Best Use of Unlocked Cash Flow

Hello everyone!  Today, I went on a run outside and had a nice deep thought about what to do with an unlocked source of cash flow.  No, no this isn’t coming from my INCREASE in housing expenses or a pay raise.  This actually goes back to relate to paying off my auto loan earlier, rather than later.  This won’t be moving mountains, by any means, however this unlocks a new cash flow for me and now the debate is what to use the additional capital that will be available on a monthly basis going forward!

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Three Painful Housing Expense Increases

Ah, the house never ends!  I seem to find myself writing quite a bit about the cost of living in a house and the controllable/sometimes not so controllable costs associated with home ownership as well.  After various discussions with people and bills being paid – I’ve decided to write about the surprising increase in housing expense over three areas of living in a house – Insurance, Property Tax & select Utilities!  Come check out the “fun”!

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Lanny’s April Dividend Income Summary

Put it on the board!  Yes, another month is down and how exciting are these times for us dividend investors?  Tax discussions, price swings within the stock market and a plethora of dividend increases to boot.  One thing that i wished that cooperated better was the weather here in Ohio – it has swung wildly from mid-40’s to mid 80’s on a few occasions.  All is okay, as the Cavs are cruising in the 2nd round and the Tribe are playing okay!  Without further-ado here is April’s dividend income summary!

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Lanny’s March Dividend Income Summary

Quarter 1 of 2017 is now officially int he books!  Here we go, the music starts, the sun is brighter and I am feeling better/more rested each day.  What else does this mean for, more specifically, US dividend income investors?  The biggest month worth of paydays has finished and I can only hope the community feels the same.  Did we set records?  Did we reach expectations or did we learn something that we can create growth from?  Time will tell when we are able to review all of the articles being released, but I am very pleased with how March ended from a dividend income stand point.  Let’s dive into the results!

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Idle Cash Sitting Under the Couch Cushion

The title alone to the article makes me mad!  It has been over 2 straight months of no additional stock or investment purchase and it is very puzzling but easy to understand why at the same time.  Each stock I analyze either has a just a tad high price to earnings ratio, or the debt I am considering to pay down just doesn’t make as much sense based on the pure numbers.  What’s a guy to do?  See why I am sitting on Idle Cash and it’s building under the cushion of my couch at this moment!  Plus – see potential ideas/moves for the idle cash I have.

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Cisco Systems, Inc. (CSCO) Dividend Stock Analysis

Whoa!  Shaking off the cobwebs on  my full-on dividend stock analysis skills here.  It’s been quite some time since I’ve independently wrote an article on one dividend stock out there.  Given that my busy season has wound down, I though tit would be a great time to shake the rust and really dive into a company that I not only own, but is a highly visible company in the market place.  With the tides in the market thus far this year, the increase of rates, the election, etc.. the stock market has never been so unpredictable.  With that, we need to have a sense of security to the cash we have saved in order to deploy the appropriate capital to a company.  In terms of security – here is dividend stock that is of high quality as it relates to network and data security… Cisco Systems, Inc. (CSCO).

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Making the Most of Your “Lunch Hour” Each and Every Day

Today, one of my co-workers was talking about his CPA exam and how he has one left to go to become an official CPA.  Definitely a hard test, and thank goodness that’s long behind me.  However, he was planning on taking it at the end of May.  Even though we are in busy season, I stopped and asked, what?  Why won’t you just put the 15-20 hours per week for the next 3 weeks and take the last part?!  It dawned on him, after I laid it out – taking advantage of the one hour that you pound food, talk about the weekend with your boys and about what you’re going to do after work on Saturday, each and every afternoon gets you NO WHERE.  If you want to accomplish things that you complain that you don’t have enough time for – make it a priority and take advantage of time, including that “lunch” hour.  I don’t necessarily believe in a lunch-hour, I merely think of – you have a day – you are expected to accomplish work, objectives/deadlines, but definitely should take breaks throughout the day to do other things, etc.. but get your work done and in public accounting – be chargeable.  I digress…I then showed my co-worker this lunch hour can produce 5 hours, at least, per week of studying, not including an early morning and then weekend studying after work and on Sundays.  It finally hit him that accomplishing this goal is doable NOW instead of “maybe” LATER.  It made me want to write about how to make the most out of what we call the “Lunch Hour”.

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