Tuesday, July 8, 2014

Monthly Update: June 2014

Half of the year has gone and we come to another monthly update. Things are coming along quite well and I have been shifting my equities to capital gains positions while Lending Club is working its magic with income.

Portfolio Acitivities
$500 deposited into the Investing Account
Sold WMT @ $74.93 (+34.65%)

Sold CIG @ $8.10 (+47.38%)
Sold MCD @ $99.90 (+12.57%)
Bought 10.3121 AFL @ $62.65
$200 deposited into Lending Club

Portfolio Income
Dividends ($83.64)
     AFL: $2.15
     IBM: $6.04
     MCD: $2.23

     WMT: $2.15     
     ARCP: $6.35

     VTR: $12.03
     PSEC: $11.93

     TCPC: $25.53
     COP: $2.51
     NDRO: $2.56

     WHZ: $30.49     
     BLV: $2.75
     JNK: $4.65
     PCY: $1.98
     Interest from Cash: $0.78
Lending Club
     Interest: $24.15
Rental Income
     Townhouse 1: $621.41

New Record: I hit a new record of non rental income. $107.79. Lending Club is really doing well for me.

Taking Profits: I sold off CIG for profit taking, WMT to free up cash for a purchase coming this week, and  MCD was sold on a stop loss order. 

Small Deposit month: I relaxed a bit this month and vacationed a little bit with the family. As I cut my budget really tight with portfolio deposits, that was the only real place I had to pay for it from my budget. Next month however my company will buy back its vacation time and I should be able to sell 40+ hours. I plan to make up for my June's deposit at that time.
Additionally, I have a deposit landing July 1st which technically is next month. I'll have a 3 paycheck month in July though so it should work out.

Still a partial rent month: Had a few finalized fees associated with getting a new renter (general repairs and paying utilities for the couple month's vacancies. Next month should be a regular full month.

Disclaimer: The investments and trades discussed are not recommendations for others. I am not a financial planner, financial adviser, accountant, or tax adviser. The financial actions I talk about are for my own portfolio and money and only suited for my own risk tolerance, strategy, and ideas. Copying another person's financial moves can lead to large losses. Each person needs to do their due diligence in researching and planning their own actions in the financial markets.


  1. Everything looks solid for June, July represents a 3-paycheck month for me too.

    What are your thoughts of always having your notes on LC up for sale for like 4% markup? I like to sell covered calls, and this reminds me of the strategy... is this viable or really a waste of time? Maybe more effective on the 50$ plus size notes.

    1. I'll scan for notes selling at 3% or less and buy those first.
      At the 40-50 month time frame left on notes I look at, that is about $22 in principal left so 3% is $0.66
      Thats 2 months of interest I lose and have to wait before I start making any profit. I can understand people wanting to flip notes for a profit but I'm not gonna pay much more.

      Sometimes I'll go up to 3.99% markup if it looks like a good note but never 4% or more.

  2. Looks like an interesting mix of stocks. I like how your income comes from various sources. Solid month for you and congrats on the new record


    1. Income diversity is something I think the dividend growth investing community may not think enough about. I see many going 100% in stock, 0% cash, 0% anything else.
      Many of us are trying to get away from a day job and that trap but in a way we are placing ourselves in another trap of single income source. What would happen if dividend tax went back to 50% or more like it was in the past?

  3. Thanks for sharing your dividend income with us. $80+ is real hard cash and it will only grow over time. Keep at it. Nice to see multiple income streams from your rental and lending club too. I'm just in stocks. Look forward to your next update.