Refinancing My Mortgage After Two Years and Saving $48 per month

This is an article that I am very excited to write.  And I owe a huge thank you to Lanny for helping me make it happen.  Ever since the rate cut in July, we have all been bombarded with emails asking us to refinance our mortgage.  “Why you need to refinance with Quicken Loans.”  “You’ve been pre-approved with Chase.”  Even Ally Bank, where we have both held our investment portfolios at one time, offered us a sweet refinance deal.

With an interest rate of 3.89% on a 30-year mortgage originated two years ago, I never thought that refinancing would work for me.  But as interest rates continued to slide and the refinance market exploded, rates finally reached the level where it was economically beneficial for me to make the move.  Here is why I am refinancing my mortgage after two years and unlocking some serious cash along the way.

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August Dividend Income From YOU The Bloggers!

Markets up, markets down.  That seems to be the theme of 2019.  Oil prices have been the latest item to experience wild swings.  Further, interest rates are starting to slowly climb up once again, so hopefully many of you were able to take advantage and refinance your mortgage (I know Bert did – article to come on the topic).  Each swing, each change in the market, presents a new wave of opportunities for long-term investors like ourselves.  That’s why it is important to have a stock screener (Read our Dividend Stock Screener), establish a watch list, and most importantly, SHARE YOUR IDEAS WITH THE COMMUNITY.

What’s crazy is  how many stock purchases the two of us have made over the years that stemmed from an article we read on one of your websites.  We cherish this community.  Which is why we aggregate as many dividend income summary articles from around the community.  Here is the August  2019 version of the Dividend Income from YOU the Bloggers series.  It is time to get motivated!

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Bert’s August Dividend Income Summary

Another month is in the books and 2019 continues to fly by at a record pace.  Baseball season is winding down and football season is starting up again.  Plus,  we are approaching fall, which is my wife’s favorite season.  It’ll be even more special now that we can celebrate it with our daughter for the first time.  August was another crazy month for the market.  There were wild swings, buying opportunities, and naturally, the market climbed towards the end.  But during that time, dividend income provided us a consistent dividend income stream.  Lanny kicked off the party on this website by posting insane results (Read about his $800+ dividend income month).  So now it is my turn.  Let’s dive into my August Dividend Income summary.

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Bert’s July Dividend Income Summary

Looking back, July was a pretty monumental month for me.  My daughter turned four months old, went to an in home daycare for the first time, Cleveland hosted the MLB All Star Game, and it was my birthday!   We talk about milestones on this website a lot.  Although it wasn’t an investing milestone, my birthday did represent another milestone that I won’t talk about.  But I am learning quickly that time does fly and things can happen with a blink of an eye.   That’s why today, I am going to reflect on the dividend income received last month.  Here is my July dividend income summary!

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Bert’s June Dividend Income Summary

June was an odd month for many reasons.  One will become apparent later in the article.  The other reason…it flew by.  In the blink of an eye, it’s July.  Lanny continues to do amazing things on his financial front and I’m doing my best to follow suit.   June had some nice progress.  Let’s review my June Dividend Income Summary.

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Bert’s May Dividend Income Summary

Lanny said it best in his stock purchase article…the month of May was actually wild!  Every day presented a new twist, turn, and market swing.  I would transfer cash to my brokerage and get ready to make a purchase.  Then boom, the market would swing upward.  Despite the madness, the dividend income continued to flow.  After all, that’s part of the beauty of dividend investing.   Lanny published great dividend income results this month.  As always, he is a tough act to follow. Especially when he announces a 48.8% YOY dividend increase.  But I’ll give it my best shot.  It is time to review my May Dividend Income summary!

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