Dividend Update August 2018

Whats up fellas, welcome back to the Dividend Mascot's blog. I only have $300 left of my $5,500 Roth IRA, so this is basically the final chapter of my Roth IRA for 2018. Soon ill be moving into the next phase of my investing plan........the taxable account ;). This is where most of the dividend growth will be coming from for 2019. I hope you all had a great month as well.




Without further or do lets get to business

Roth IRA

Taxable 

Total: $61.28 (NEW RECORD now into the 60s)
YoY: 119%
Purchase: 9 shares of KO, 4 shares of K
NEW PAYDAY RECORD: $41.44 (8-15-18)
NEW CONTRIBUTION RECORD: $1,100 (Brutal determination)


So i have surpassed $1,000 in contributions with in a month, and i hit a new payday record. The Roth IRA is coming to and end and a start to a new beginning for my taxable account which im very excited to start. So heres an overview of my plan with the taxable account.

When im 40 years old 17 years from now, i want my investments from my taxable account to pay for 90%-100% of my living expenses. Bringing in like $2000+ a month which shouldn't be hard to do in 17 years, its more than enough time to achieve that kind of income. So all my basic living expenses are covered and im still going to work, growing my accounts until im 60 when i fully retire with the combined income from my Roth IRA. This is what i call a layered retirement plan, its all about making my older self's life a whole lot easier, no stressing over bills and etc. I told my Mom about this and she thought it was the coolest thing, not only that i also told her about my ultimate goal of living like Bruce Wayne (the batman) when i retire at 60 she really loved that too. Basing my retirement goal off of a wealthy DC super hero =)

RDS.A, PM, & VZ will be the starter pack for my taxable account, later on ill be adding stocks in a set of 3 paying through each month of each quarter. This will be a high yielding account with quality companies with respectful histories of paying and growing dividends. Im really excited for this guys, big dividend payments will be coming from this account.




Alright now it time to party, new monthly record, new payday record, and a new contribution record. 3 records in a single month =)

Press play to start the party =)

(honorable performance tribute to Michael Jackson)

Hope you guys enjoyed this blog, if you guys are interested in seeing more of the Dividend Mascot you can follow my Facebook fan page on the top right. Its literally the "Behind the scenes show" of my blog, my portfolio and more. So i hope you all have a wonderful day, keep on counting that sweet dividend money, and ill see you guys next time =)

Dividend Update July 2018

Whats up fellas, welcome back to another monthly dividend monthly update. Just surpassed $300 in earn dividends for the year, surpassing 2017 earned dividends of $270.03. My math predictions tells me that i am guaranteed to double what i made last year and more. If my income stays at $50 a month for the rest of the year i will hit a little over $550. We all know thats not going to happen, my income will definitely continue to increase. Everything is looking pretty good for the year, lets see if i can do $650 in earned dividends this year =)

Without further or do lets get to buisness

Roth IRA

Taxable Account 

Total: $49.30
YoY: 105.24% (i miss +200%, im getting greedy lol)
Purchase: 10 shares of KO, and 6 shares of QCOM


QCOM is almost at 1 share a year DRIP rate, buying around 88% of 1 share a year. (CSCO at 88%, WPC at 93%, O at 99%, & MAIN at 161%)  Im noticing my dividend payments are starting to compound faster with my DRIP strategy, thats looking good as well (math equations on top of more math equations).  Soon ill have $1000 left of my $5,500 contribution limit, once thats complete the Taxable account will come into play. KO and LNT will be my next purchases in August.

Well thats it for this one folks, just a quick little update. Dont worry about the income going in a downtrend thats only temporary i got that taken cared of. Next quarter the dividends will look much better =) Hope you guys enjoyed this short update, keep stacking them sweet dividends, and ill see you guys next time.

Dividend Update June 2018

Whats up fellas, hope you all had a great month with your dividend payments. This month was not bad at all now being in the $50+ range now so im feeling warm and fuzzy with my portfolio's performance =). So last month i explained my strategy with Drip ratio's, and 1 share drip per year math formula's, basically my Drip Strategy Mark II. Why is it that i call it Mark II, because my first strategy (Mark I) was to stop diversifying and just buy more shares of my current holdings, the flaw with Mark I is that i was all over the place, and i didn't have a strict organized buying plan like i do now. All of this is to better my chances of compounding my dividend income to $1,000 a month by 30 years old. At the end of last months blog i told you guys that i would add a Taxable account, this will be part 2 of my dividend strategy =) i will discuss my strategy with that after we go over the dividend income.



Without further or do lets get to business

Roth IRA

Taxable Brokerage Account

Total: $51.73
YoY: 71.51%
Purchases: 11 shares of LNT, 7 shares of QCOM



It feels soooo good getting back into my groove again, my body feels refreshed working my crazy hours again guys =). Who knows i may even surpass $1,000 in contributions with in a month ($1,000 is my current record). Ok so currently ill be funding LNT, QCOM, and KO, these 3 stocks have the highest DRIP ratios compared to the rest of the stocks that pay in the 3 separate payment schedules. As ive said before, once they reach DRIP 1 share a year i move on to the next stock with a slightly lower DRIP ratio and repeat the whole process again.

Taxable Account Strategy

Ok so i would call this the second portion of my DRIP strategy i explain in the last update. The blog was long enough last month so i decided i would explain everything else in this months update. So your probably wondering.......what dividend stocks do i plan on holding in this account. VZ, RDS.B & PM 3 strong high yielding dividend stocks and as a bonus there all cornerstones in there different sectors (Telecom, Energy, & Tobacco). I'll leave it at 3 holdings for right now make push it to 6 holdings later down the road, i want to keep this account short and simple while my Roth IRA is nice and fined tuned with 23 holdings ;) 

So once i max out my $5,500 limit for my Roth IRA, im going to bust my tail end off for these 3 holdings. I came up with a strict investing schedule that could potentially triple my dividend income in 2019. So if i make like $550 in 2018, theoretically math wise i could end up with $1650 in dividends earned throughout next year in 2019. This is how it can be done, once i max out my Roth IRA im going to funding those 3 holdings for 6 months straight then ill switch over to my Roth IRA for 6 months and repeat the process over and over again. Doing this will force my Taxable Account to grow and DRIP like crazy because theres only 3 holdings in that account.

So what are my dividend goals with this Taxable account? Well i say by 40 years old (17 years from now) i would like to be receiving like $1500+ on a monthly basis from this account as a birthday present to myself XD, this will act as supplemental income in the future. I have a feeling that im underestimating the power of compound interest it could end up higher but we will see how things go, dont plan on retiring until im 60 so ill still be growing both accounts making my supplemental income continue to grow. 40 year old self will greatly appreciate this amazing birthday present, receiving them sweet fat dividend checks =) (having them sweet shades on with a nice hat on turned to the side rollin real smooth at 40)

Well thats it for this update folks, hope you guys are enjoying the blog. If you want to see more of the "Dividend Mascot" make sure you go click on that follow button for my Facebook page. As always people, keep on drippin them sweet dividends and ill see you guys next time =)

Dividend Update May 2018

Welcome back fellas, to the new and improved dividend blog. My new official blog name is "Dividend Mascot", those two words basically described my entire blog from the very beginning to now. I decided to keep the classic name on the Facebook page but under the username @dividend.mascot. Alright alot of great things has happens during the month of May. Ive hit another monthly record AGAIN times 2 baby, and ive came up with a new dividend compounding strategy to grow my income even faster. Looking back my dividend income has increased at a pretty good rate but ive came up with a mathematical way to have it grow even faster. Before ive mentioned just buying more of your current holdings will grow your dividends much faster then to keep on diversifying, but that just hits the surface of my new strategy ;) but lets go over the dividend income first.



Without further or do lets get to business

Total: $56.17 (hits the dab, new record times 2 baby)
YoY: 251%
NEW PAY DAY RECORD: $37.05 (5-15-18)
Purchase: 4 shares of KMB



Didn't i say if i just keep on scaling up on all my current holdings my dividend income would grow faster, well there you go :) Ok so i have surpassed the $50 mark, everything is looking good so far. I have around a 70% chance of hitting $75 this year. As usual my plans are still on auto-pilot, which means ill be buying more shares of my current holdings.

College/Education

I should add in that my plans with going to college to learn the skill trade of aircraft mechanic did not work out unfortunately, i lost my morning shift due to higher seniority and had to go back to my old afternoon shift for the next 3 months. In order for my plan to work i had to work in the morning then go to my classes in the afternoon but i was smart to wait until the shift bid happened at my job to see if i was able to keep my morning shift. Im a little disappointed but oh well maybe next time, i guess this means i have no other choice then to get back into my old groove again guys. Pushing upwards of $1,000 invested within the month ( cracks knuckles & back) like the good old days =). Ive been in cruise mode this whole time, i think its time to get off the bench and get serious again.

DRIP Strategy Mark II 

So my DRIP strategy started off simple by just buying more of your current holdings, but i noticed that im not really pushing my portfolio to its full potential when it comes to the DRIP compounding rate. So in May i constructed a new compounding strategy to where i scale up my holdings to compound by 1 share a year, then i move on to another stock leaving the stock thats buying 1 share a year alone. As you can see on the chart, you will noticed some stocks are in green and theres 2 columns in gray. The stocks highlighted in green are complete, which means there compounding by 1 share a year i use even shares to keep it neat (no compound interest added). The 2 columns in gray is the core of my compounding formula, I pay attention to the DRIP ratio's of my stocks (how many shares or how much it cost to compound by 1 share/year) the stocks with the highest DRIP ratio's will be funded first while the stocks with the lowest DRIP ratios will be done. The higher the ratio the lower the cost, the lower the ratio the higher the cost. By the time i get 100% of my portfolio compounding by at least 1 share a year, the stocks i left alone earlier could be compounding by 5 or even 10 shares a year by then. By doing this ill have a much better snow ball effect for my dividend income. As of right now i would like to have 25% of my holdings compounding by 1 share a year by the end of 2018. 2019 will be 50%, 2020, will be 75% and 2021 will be 100%. Who knows i may hit 100% earlier, this ladies and gentlemen is my DRIP strategy Mark II. Ignore BP, and RDS.B there just in there in case i diversify into those stocks. My 30 year old self  7 years into the future will greatly appreciate this, this strategy will better my odds of hitting $1,000 a month in dividends by my 30th birthday, by then the portfolio will be DRIPPING LIKE CRAZY. So heres a little message to my older self  7 years into the future..........."Your welcome" =) (gives older self a firm handshake through a time portal lol)

What it felt like putting this strategy together =)

 The enthusiasm Tony Stark has for building his iron man suits is the same kind of enthusiasm i have for building my portfolio =)

Well as always got to end my blog with a lovely celebration song to surpassing $50 and hitting another monthly record again. We are now at the half way mark of 2018, im really enjoying the market this year. Im a big fan a bear markets, because i love grabbing them cheap prices =)

Press Play =)

(gotta love them dance moves)

Well thats it for this update guys, hope all of your dividend portfolios did well in May. There is alot more to talk about but ill continue in the next update. Ill be discussing my plans with my new Individual Taxable brokerage account i created with Vanguard =) so now i have my Roth IRA which is my main, then my taxable account which will be my secondary both together with Vanguard. I will discuss more on that in the next update, hope you guys enjoyed this update, keep on stacking them sweet dividends and ill see you guys next time =)

Dividend Update April 2018

Whats up fellas, back with another dividend update hitting a new monthly dividend record. Been seeing the market on a down trend so far this year, which isnt really a bad thing, because all your stocks are at a cheaper price. I noticed 4% yields popping up from stocks i never would of thought would have a yield that high like KMB, GIS, and PG for example. I love down markets, get to capture those higher yields left and right =)



Alright lets go over the dividend income

Total: $44.89 (getting close to the $50 range)
YoY: 431% (these numbers surprise me every time)
Purchase: 2 shares of IBM

Dividend income looking beautiful as always, i plan on buying KMB next. Going to keep spreading my money across all my current holdings. I don't feel the need to diversify right now im just going to stay on auto-pilot and just keep scaling up on my current holdings.

Why i invest like a retiree

 People say that i invest like a retiree and that i should buy growth stocks since im young in my early 20s. Look i understand where there coming from but dividend investing and compound interest is how i roll baby. Like look at the year over year percentage increase like that what im all about fellas, its my style i roll with the retirees they cool. I dont ever plan to touch the principle in retirement, the only thing ill be touching are the dividend payments. So even if i have a $10 million portfolio at 60 years old, ill just be spending the interest leaving the principle alone re-investing any left over dividends i dont need. Im basically building a big trust fund for the 60 year old Michael Johnson, i just want him to have a bank account filled with tons of cash with no worry of living expenses. The principle will just be a pretty number to look at every morning. To make retirement goals more clear i want to be living like Bruce Wayne (batman) when i retiree =). 65 year old self be pulling up at a car show, in a blacked out custom built hot rod with a batman design shooting big flames out the exhaust, has a sweet hat with some sweet shades on and a big smile.



When i hit a new record i always have a song to celebrate to, my retirement goals are based off the wealthy DC character Batman (im going to with that for life), thats how i want to be living like when i retire =) you know what maybe Jaden Smith can explain it better.

Press play =)

If you got this far, i got some news for you. Im planning on changing my dividend blog and Facebook page name to something that would make better since (drum roll please)..................."The Dividend Mascot" (or just dividend mascot) that title alone describes exactly how i am with dividends i couldn't think of a better suited title. Name change will be official during the next update, hope you guys enjoyed keep stacking them sweet dividends and ill see you guys next time =)

Dividend Update March 2018

 Whats up guys, welcome back to another dividend update =). Dividend income still looking good as always, if i can get it up to the $60-$70 range by the end of the year then ill be satisfied. I also got some great news, looks like we just passed the 1 year anniversary for this blog, and my Facebook page. So since we reached this milestone i have something really cool to share with you guys. Below is a video i saw when i was 19 years old, this video has literally made me a muti-millionaire (possibly a deca-millionaire). Before i said that i felt extremely lucky to start investing in dividend stocks at 20 years old. Its like every-time i mention my age people comment saying they wished they did the same thing. So heres a old Dave Ramsey video i saw back in 2015 that changed my life forever =)

I love the part where Dave says "Thats a really nice chart if i was 19" and the funny part was i was actually 19 at the time XD. After that i was watching tons and tons of videos of Dave Ramsey and investing. Then later came across Kevin O'leary from the TV show shark tank, that is when my obsession with dividends started and the rest is history. Me and Kevin are like twins lol both our mindsets are exactly the same when it comes to money, we both love to make investments so later we can just sit back and receive a check =)





Without further or do lets get to business =)

Total: $38.98 (250% YoY)
Purchase: 5 shares of T and 4 shares of GIS 
(gives T a fist bump, thats my boy 💓💓💓)


So i saw that T and GIS were at a decline so i decided to purchase both of them, T at 5.7% yield and GIS at 4.3% yield. I love capturing higher yields on dividend stocks that we know that will be around for a very long time. Like lets say KO had a 20% decline (i wish lol) and now its yielding 5%, i would go buy some shares capturing that 5% yield getting a dividend boost before it bounces back to its average price. The one thing you should NEVER EVER do is just search for high yields, your going down a dangerous path if you do that my friend. When the opportunity occurs thats when i strike. Until the next opportunity comes up, i just dollar cost average on all my purchases.

My next buy could be IBM, i need to show my other dividend stocks some love. I had a lot of nostalgia searching for that Dave Ramsey video, when i was 19 i didn't think i would be this passionate about dividends. Anyway guys i hope you enjoyed this update, keep on cashing them dividends and ill see you guys next time =)   

Dividend Update February 2018

Whats up fellas, im back with another dividend update. I be hittin the dab looking at that chart, i almost hit a new dividend record already. I went hard for the month of February hitting a new contribution record within a month. I have a video of a character showing my determination for February. Getting back into my groove again, after 2 month of rest im getting back into my 14 hour days again, but i do have some news which ill get into later on in this post.

$1,000 in contributions on $10/hr in 1 month 

(character with dark black eyes resembles my determination when im my good old groove)

Probably the highest i can go for right now, as of right now my limit is $1,000 in a month when im in my groove...........but i want to go ever higher ;) which is why i some news to discuss once i go over the dividend income. btw i just got a raise going from $9.47/hr to $10/hr, i will also talk about my job along with the news. Ill be honest when i started this account in November of 2015, i never thought i would ever invest $1,000 in a month but overtime i just pushed harder and harder little by little. Now a days its 2nd nature, when i started my budget was $100 a month, because of a Dave Ramsey video i saw when i was 19 years old. I wonder how Dave Ramsey would react to this lol he probably be like "Good lord kid?!?" i would respond saying "sorry Mr. Ramsey but i cant help it lol", alright enough chit chat lets go over the dividends =)

 Without further or do, lets get to business :)

Total: $43.19
NEW PAYDAY RECORD: $29.03 on Feb 15th (hits the dab)
Purchase: 11 shares of OHI, 3 shares of CVX, and 5 shares of WPC


Alright so i started off funding my 3 big boys early on in the year, to get that compound interest rolling early. My yearly strategy is to get the dividend momentum going super early in the year with my highest yielding stocks. The year over year for February 2018 is 412.94% increase which is awesome, but January 2018 was even more insane having a YoY of 3440.24% =D. My next purchase will most likely be CSCO for March update.

Big news and changes 

So i said that the highest i could possibly go as of right now without hurting myself is $1,000 of contributions with in a month, and i said i want to go even higher. The only way that can happen is that my pay has to go up. Which is why im announcing that i will be going to trade school to become an aircraft mechanic. Hope to working for a big Airline like American Airlines, what my job is currently is that i work for an airline called American Eagle. I work outside loading your bags on to the plane, ive pushed planes out the gate, pulled in planes into the gate, and even marshaled in a planes with bright orange sticks,  ive done it all. Ivw worked in the airline industry for around 3 years. I worked for Spirit Airlines for 2 years, and now im currently at American Eagle about to hit my 1 year on March 22nd. I plan on getting my A&P Technician license in a little under 2 years, i can have a job set for me right out the gate at American Eagle starting at $17/hr for the first 6 months then i get a $3 raise making $20/hr. Shout out to any aircraft mechanics reading this ;)

You guys saw what i was able to do on $9-$10/hr just imagine if i was making like lets say $30/hr........i dont even want to image what kind of numbers i can do with my Roth IRA with that kind of income. Just thinking about it give me goosebumps lol so that means i will not be able to get into my groove again for a while :( sorry guys. To spoil the big surprise i was planning on maxing out my contributions with in the first 6 months of the year, that would of been a great show, but the sacrifice must be made. Ill still be buying dividend stocks but it will be like $350 a month in contributions. Even at that im still at more than 3 times the recommended amount to invest a month to be a millionaire by 65 if your starting at the age of 25.


Well guys thats it for this months update, i hope you guys enjoyed keep on earning them sweet dividends and ill see you guys in the next update =D