Bert’s Final 2016 Goals Review

Final dividend income totals have been tallied.  Final purchases were made (or not made).  Now that the ball dropped and the calendar turned, the book on 2016 is finally closed.  A few weeks ago, I published my 2017 investing and life goals so I can hit the ground running in 2017.  However, I can’t ignore the fact that I had 2016 goals to complete.  I performed quarterly updates to monitor my progress; so for one final time, I will publish my 2016 goals review.  Let’s see if I was able to meet my goals in 2016!

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Portfolio Update – Introducing Our Family Portfolio

For the last few years, I have reported religiously the happenings of my portfolio and every cent in dividend income I have received.  Looking back, it is insane to see how fast my portfolio has grown in such a short period time and I love seeing similar growth rates in so many other people in the dividend investing community.  Man is it a lot of fun!  But there has been one key piece of the equation I have kept under wraps from all of you…the happening of my wife’s portfolio and the impact it is having on our “Family Dividend Income” and not just mine.  So for the first time on this blog, I would like to discuss my wife’s investment portfolio and briefly discuss how I will begin reporting things differently here on our blog!

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Is This Stock Market Begging Me to Pay Down My Student Loans?

Each day I watch the stock market in awe.  At 4 PM EST, I read a headline like “Stock Market Sets New Record” and when I log online in the morning I am reading an article about how the market is up in the pre-market once again.   By the end of the day, it is like de ja vu and I start the process all over again.  This market makes finding stocks the meet our stock screener difficult, how could it not?  Well, I have been thinking a lot about where I want to allocate my capital recently and what I want my next move to be.   After doing some research on various blogs, including some articles written by my fellow Diplomat, I find myself considering the option that the title of the article outlines.  Is now the time to accelerate the payments on my student loans?

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Lessons Learned About Setting Goals

It is that time of the year.  To me, December means finishing out the year strong, racing towards the finish line, and setting the table for a successful year going forward.  For the last few weeks, I have been thinking long and hard about my life, investing, and our blog goals.  What should I focus on?  Where should I be at this point next year?  Questions like these have racing through my mind and I am trying to process and make sense of them all.  I’ve been thinking a lot about the goals I have set from the prior year and trying to leverage them as much as possible, including both the successes and the shortcomings.  I thought it would be helpful for me, and hopefully some of you, to write down my thoughts and lessons learned over the last few years about setting goals.   Time to dive in.

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Bert’s November Dividend Income Summary

The crazy, turbulent month of November 2016 has finally come to a close.  But you know what November coming to a close means, right?  The best darn dividend month of the year is set to begin and I am as intrigued as every what December will have in store for us.   Before I begin looking too far forward, it is time to summarize the past month and the dividend income I earned.  How did I perform compared to November 2015 and was I able to achieve a higher year over year dividend growth rate compared to Lanny?  Time to find out!

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Bert’s November Dividend Stock Watch List

Lanny said it best, the post election stock market has been crazy.  A lot of industries that have been trading at a discount, financials and REITs for example, have soared while other stocks that have traded at highs over the years are approaching buy-able levels again.    Recently, I was able to knock out one of my 2016 investing goals by crossing $3,250 in projected dividend income; now, I have another goal in sight….investing at least $20,000 in “New Capital” into the market.   I’m ready to keep the pedal to the metal and take advantage of some more opportunities that Mr. Market has presented us.  Time to check out my November Dividend Stock Watch List!

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One Downside of a Roth IRA

I’m starting with a disclaimer here.  We could debate for hours the pros and cons of a Roth IRA; Heck, Lanny has written about both sides of the Roth vs. Traditional argument already…first about maximizing your Roth IRA contributions for 10 years and then writing about his plan to use a Traditional IRA going forward during the summer.  What am I proving here?  There is not a one size fits all approach and using a Roth or a Traditional account may (and should) change as your financial situation changes.   This last week I experienced one of the downsides of a Roth IRA and I wanted to share it with all of you.

Roth IRA

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