2014-10 Dividend Income Report

Here is the dividend income report for October, 2014.

The monthly dividend income came out to $243.87. The yearly income total for 2014 through the end of the month was $3,236.89.

The income for October, 2013 was $184.81, and the yearly income total up through that month was $2,811.61. I made $198.43 in July, 2014 and $196.43 in April, 2014. I bought more Chubb; I now own just over 100 shares of CB. I think that going forward I will make at least $200 in January/April/July/October going forward. I might make less in January since Coke (KO) pulls its January dividend forward into December.

I have started keeping track of the three-month and twelve-month moving average of my income. I did this for a few reasons. Some stocks do not stick rigidly to a schedule of paying out every three months. I think ETN changed its schedule a while back, and VOD only pays twice a year. I also make a lot more in March, June, September and December than they do in January, April, July and October. I think that comparing moving averages will give a better idea how my income is changing over time given all these differences.

I have also decided that I will not try to get more balance in my monthly income. I wanted to buy more stocks that pay in January, April, July and October to make those months closer to the other months. I have a spreadsheet that I use to keep track of dividend announcements and payout amounts; it includes the stocks that I own and many I am looking at. I have noticed that a lot more stocks pay out in March, June, September and December than in January, April, July and October. Why fight the trend? Why not just go with it? I think keeping track of moving averages will smooth out these differences.

Which is the whole point of moving averages.

The 3-month moving average for October, 2014 was 368.19, and the 12-month MA for October, 2014 was 340.32. For September, 2014, the 3-month MA was $353.04, and the 12-month MA was $335.39. For Ocotber, 2013, the 3 month MA was $295.19, and the 12-month MA was $291.08.

Here are the stocks and the income amounts for October, 2014:

  • Automatic Data Processing: $27.69
  • Coca-Cola Co: $33.23
  • MDU Resources Group Inc.: $9.87
  • Kimberly-Clark: $46.79
  • Chubb Corp: $50.47
  • Illinois Tool Works: $26.00
  • Piedmont Natural Gas Inc: $19.14
  • Sysco Corp: $16.18
  • RPM International Inc.: $14.50

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2014-09 Dividend Income Report

Here is the dividend income report for September, 2014.

The monthly dividend income came out to $536.75. The yearly income total for 2014 through the end of the month was $2,993.02.

The income for September, 2013 was $395.65, and the yearly income total up through that month was $2,374.05. The yearly income this year through September beats the incomes for 2012 and 2013 all the way through to the end of November. I guess if I can keep working and adding money to these accounts, I could have enough dividend income to live off of in about a decade.

Here are the stocks and the income amounts for September, 2014:

  • AFLAC Inc: $38.37
  • American States Water Co: $23.26
  • Black Hills Corp: $13.59
  • Bemis Co Inc: $27.10
  • ConocoPhillips: $77.62
  • Vectren Corp: $20.36
  • Questar Corp: $10.38
  • Johnson & Johnson: $23.78
  • Chevron: $24.24
  • Emerson Electric Co: $23.06
  • Sonoco Products Co: $21.28
  • Exxon Mobil Corp: $75.54
  • Archer-Daniels-Midland Co: $15.42
  • 3M Co: $11.25
  • Walgreen Co: $19.13
  • Dover Corp: $9.04
  • Consolidated Edison Inc: $18.64
  • Kellogg Company: $49.33
  • Valspar Corp: $15.08
  • RLI Corp: $20.28

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Thoughts On Scotland, Water and the Future

During the decade or so I was living in Chicago, I thought that I was going to be in Chicago for the rest of my life. Then I wound up in Texas. But I do not think I will spend the rest of my life here.

One major reason is water. There was an excellent article in Men’s Health called “Who Stole the Water?” about water in Texas. Governor Goodhair is telling everyone to come down here, but not telling people that the water is running out. And since this is Texas, nobody wants to spend any money. As I wrote before, when you want to point out magical thinking, you say, “X does not just fall from the sky.” Water actually does fall from the sky, just not when and where you want it to.

I think Texas will not do well in the future. Climate change will hit Texas hard. It is already too hot for me already. According to the Drought Monitor, Illinois is doing fairly well. So I might go back to Chicago. Or perhaps up to Canada. I had thought about Portland or Seattle, but it looks like the northwest is getting a bit dry as well. I always thought the northwest was the best place to be to deal with climate change. Plus I don’t understand how Portland can have a drought. They are right on the Columbia River. Are they starting bonfires every time they light a joint?

I am toying with the idea of checking out Scotland. Part of my family is from there. Part of my family is also from Ireland. (Being Scottish AND Irish is NOT the same as being Scots-Irish. Scots-Irish are Lowland Scots who moved to northeastern Ireland. Some of them were not Scottish at all.)

My mother offered to take me to Scotland for a few weeks. I have not given her an answer either way. She is retired, and needs her money more than I do. But all the news about the independence referendum has got me thinking about looking into moving there. It would be a long shot. If they become independent, they will probably allow more people in. I hope they need software developers.

Another reason to go would be to find a wife. I have not had much success with women, so the idea that one woman will choose to do something that no woman until now has chosen to do is pretty slim. Plus, I do not want to break the chain.

I do not know too much about my family history. My great-grandmother came to the USA from Ireland with her parents when she was very young. She married an Irish man. All of her siblings went into interracial marriages. Polish and German I think. My grandmother married a man who was mostly Scottish with some Irish. Again, her siblings got their swirls on with Polish or Germans. Same with my mother’s siblings. And now my siblings are in interracial marriages. My sister-in-law is badda-boom-badda-bing, and my brother-in-law does not speak any Polish but has a last name with five consonants in a row that none of us can pronounce. (The “ski” at the end I can say.)

So if the chain is going to continue, it is up to me. Women have picked guys who beat the crap out of them over me. They can write me off in two seconds knowing nothing about me, yet somehow everybody fools everybody else. I do not assume that I will rank any better over there, but I could not rank any worse.

I did look at Craig’s Lust for Dublin, Glasgow and Edinburgh. There are a LOT of American women who are interested in Irish and Scottish men. I am guessing it is the accent, because being Irish and Scottish has not worked at all for me. Seeing some of these ads gives me pause. Moving to another country is a lot more difficult than moving to another state. Moving inside of Chicago was a major hassle. Some of them are really delusional. One said “I want a older rich man who can come t the states (florida) and take me to vegas and marr and take me back to their country. And live happly forever.” Another said she was part Irish and part Croation. She’s soooooo Croatian, she doesn’t need to spell it correctly. Why place a personal in another country? What do these women think will happen? Then I think to myself: I am reading these ads, so maybe I am a bit off the wall thinking about this as well.

My employer does have an office in Edinburgh. I am guessing that the clients are probably in the financial sector, which I have heard is pretty big in Edinburgh. Many financial firms said they would leave if Scotland voted to become independent. (After that news came out, the “No” gained a bit in the polls; it makes me wonder who does Scotland really need to be independent from?)

Lately I have been spending more time learning some new software languages. That is one reason I have not posted here as much. I need to get a Plan B ready. So I guess my future might lie in Chicago, Toronto, or Edinburgh.

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Star Trek Videos Are Back

It looks like most of the episodes for the different Star Trek series are back up at the Star Trek site.

Lately I have been watching some videos by a trader who goes by the handle Aileron. (He used to go by “Airelon”, but now he seems to be going by “Aileron”.) I came across his now-defunct podcast a few years ago, and I liked it. He has a few playlists on getting started trading. I am going through the ones on money management now. He also has a forum and a website. I will get back to Deep Space Nine when I am done with the money management playlist.

My cable bill also went up. I will have to look at my bill. It was only ten dollars, but then again that is a lot for a $48 bill. I will call them to see if I can get a better price for just internet. When I was in Chicago, Comcast was charging me $70/month. When I got to Austin, TimeWarner was charging me $34/month, then $48, now $58. Their P/E ratios are a bit high, and their yields are a bit low, but maybe I should just buy some stock in the cable companies.

Anyway, I look forward to seeing what unfolds in Deep Space Nine (although I think I have an general idea). Then I will finish Voyager. I might also watch Babylon 5. I was at a Meetup event this weekend for a sci-fi meetup, and we watched a few Babylon 5 episodes. The host had met JMS, the creator of Babylon 5. I saw a few episodes in college, but since I have never owned a TV, I never got really into it.

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2014-08 Dividend Income Report

Here is the dividend income report for August, 2014.

The monthly dividend income came out to $323.94. The yearly income total for 2014 through the end of the month was $2456.27. There was a VOD dividend in August. Without that, the total for the month was $286.35, which is more than May’s total of $280.01.

The income for August, 2013 was $305.11, and the yearly income total up through that month was $1978.40. There was a VOD payment in August, 2013. Without VOD, the income that month was $249.23, which is more than the May, 2013 total of $242.65.

At some point I might buy more T or VZ, or both, to get them up to 100 shares. I think some of the ratios for VZ look better.

Here are the stocks and the income amounts for August, 2014:

  • AT&T: $27.41
  • Verizon: $7.42
  • WGL Holdings Inc: $14.30
  • ABM Industries Inc: $8.51
  • Lowe’s Cos Inc: $12.20
  • Vodaphone: $37.59
  • Clorox Co: $40.55
  • Air Products & Chemicals Inc: $11.94
  • Abbott Laboratories: $11.56
  • Colgate-Palmolive: $38.53
  • Hormel Foods Corp: $9.43
  • Northwest Natural Gas Co: $26.03
  • Procter & Gamble: $36.22
  • Texas Instruments: $16.20
  • Eaton Corporation: $26.05

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Conversation With A Libertarian

I was at a conference in Minneapolis recently. I talked to a lot of people. One guy said he was a libertarian. He seemed like a nice fellow. He may be a guy who can say he is a “true” libertarian.

A lot of times, people who call themselves “libertarian” are using that term to put lipstick on a pig. Frequently they are racist or homophobic, or really just don’t like paying other people a day’s wage for a day’s work. There was a good article on Pando pointing out that a lot of people think of themselves as “libertarian” without realizing that other people call themselves “libertarian” and have some pretty nasty ideas.

So this guy said he was into Bitcoin. I just kept nodding as he kept talking. But after a few minutes I thought this guy might be sincere about libertarianism and freedom.

He worked for another crypto currency and got paid in Bitcoin (using a three-day moving average). He was involved in a Meetup in the Bay Area about Bitcoin. Two of the other organizers were on the far left politically. He reported his Bitcoin income to the IRS.

He even said that Bitcoin may not replace fiat currency, but complement it. He also said that Bitcoin itself might be replaced by something else in the future. A lot of Bitcoiners (like a lot of gold nutjobs) think that all we have to do is go to Bitcoin and everything will be wonderful. Just press this magic red button one time, set the dial right there, and everything will be okay. The fact is if you change the rules, then people just find new ways to cheat. Plus they seem oblivious to the idea that changing society in their image might hurt other people, even if other people think society is just fine. A lot of Bitcoiners sound like the Underpants Gnomes from South Park: 1. Dislodge fiat currency. 2. ???? 3. Utopia. What is step 2? No idea. So for a supporter of Bitcoin to say that Bitcoin might not be the final answer is surprising.

He also talked about how Bitcoin can be used in Africa. Apparently cel phone minutes are used as a form of currency. He pointed out that the banking system in many African countries is not that great, and that Bitcoin can do some good there. (The conference was a few weeks ago, and I honestly have forgotten some of what he has said.)

A lot of glibertarians are pretty racist (see the Pando article I linked to above). So here was a guy who actually thought that he was doing something to help people in poor countries. He seemed pretty sincere about it.

I am still skeptical of libertarianism in general. But I will say this encounter opened my eyes a bit.

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Voyager Is Offline

There are now only 13 episodes of Voyager available on the Star Trek site. I will wait a few months to see if they will bring the episodes back. I still have not seen a big chunk of Deep Space Nine either. CBS has taken episodes offline and brought them back before, so I will wait to see what happens.

If they do not come back, I may have to break down and spend money to watch what I have not seen. I might try Amazon Prime. Someone at work told me about this. It looks like you can get a LOT of stuff for $20/month.

I was hoping to get more Star Trek for free. It looks like Comcast will be buying Time Warner Cable. I am pretty certain my cable bill will go up. I know Netflix has had some conflicts with Verizon. I wonder if anyone is on Comcast’s hit list. It would be nice to be able to watch stuff without dealing with all the corporate shenanigans.

I mentioned before that I didn’t think they needed to bring on Seven of Nine to make Voyager fun to watch, and that the other women on the show were pretty damn hot. Well, I think Kes and Torres (forehead, temper and all) are hot. But still, Seven of Nine does have an amazing body. The chest is nice, but for me the waist and the figure are what capture my attention. And the legs. And the rear.

I did not watch Voyager when it was first running, since I did not have a TV. I knew a woman at the gym I went to who was upset that her husband became a huge Voyager fan when Seven of Nine came on. She was very attractive in her own right. I told her that I thought she was at least an 8. She didn’t get it at first.

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Random Rant

I am not too thrilled with my job these days.

I work at a large consulting firm that was spun off from one of the then-Big Six accounting firms.

I work with a “business rules engine“. Nobody seems to know what on earth this is. One time I told someone the systems I help create implement health care policies for states, and he thought that I made the policy. I told him the state governments create the policy. Another guy thought that I did something with firewall rules.

The Austin office mostly does government work. I can’t say why, but I would prefer to be in the private sector. Plus I don’t really like the technology that I am working with. If I tried to get another job, I think all the offers I would get would be for what I am doing now.

I am not too confident in my status at work right now. I was on one project for a year, and since January I have been on four different projects. Perhaps they are sending me a message. I have never really liked any job that I have had. The benefits are nice. They were nice at the large, multinational bank. But there I did not really like the technology I worked with either. I spend some of my own time learning a new (to me) programming language that I would like to get a job in. I know it is odd to some people that I spend all day at a desk in front of a computer, and then I go home to sit at another desk in front of a computer. But if I don’t learn on my own, then I will never get a job in it. A lot of people who do not work in technology either think that it’s all the same, or that you can just go out and get any old technology job any old time. It is not like that at all. At least it never has been for me.

Granted, I do not work as much as I should on my own. I will drive home on Friday, and think about all the things I plan to do, but spend most of the weekend pacing, looking at other sites, or just not doing much of anything. I don’t go out too much. That is partially by choice. I do not like spending money. But it not conducive to meeting the ladies. I don’t meditate as much as I would like or as much as I plan. I don’t work out as early as I would like. I would like to do it when I wake up, but, as stated, I just put it off. Some days I don’t do it at all.

WRT working out, maybe I am worried that the neighbors will complain about the noise, and I will have to cut it short. Or maybe I have this weird fear that I will weaken the structural integrity of my apartment. Granted, if that is the case, the people above the people next door are really hurting this building.

Speaking of the ladies: I go to meetups, some tech related, some not, but they are still mostly guys. Even the non-tech ones. The non-tech ones are usually related to atheism, skepticism, or geek culture. I seem to go for activities that elicit little to no interest from women: atheism, martial arts, science fiction. Maybe there are plenty of women in those fields, but I have just spent my life in cities where women only care about going to church, getting drunk, or going shopping. (I don’t know about other countries, but if you do not have a religion or drink booze, the USA is a large empty space.) I know that some people get married and have children, but somehow I think that does not explain the imbalance.

When I was in Chicago I did ask a woman in the Chicago Skeptics what the heck women do with their time. She said that a lot of women feel socially isolated because their husbands/boyfriends go out and leave the ladies at home. So much for pairing off and having lots of hot sex. I guess I am even more disconnected from humanity than I thought.

It has also occurred to me that maybe I am not as smart as I thought I was, or as smart as people have been telling me. I don’t seem to get the hang of things at work as quickly as others. I have been going to a few meetups centered around board games. Usually I come in last. A few times I won at Thunderstone, and I won twice in a row in Ticket To Ride. (I have retired with my record intact.) But at just about all the others I do terribly.

Anyway, I hope I don’t get caught in The Chasm Of Death: Let go from my job before I have enough skills in the technology that I like to get a job in it.

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2014-07 Dividend Income Report

Here is the dividend income report for July, 2014.

The monthly dividend income came out to $198.43. The yearly income total for 2014 through the end of the month was $2132.33.

The income for July, 2013 was $180.57, and the yearly income total up through that month was $1673.29.

I do not own too many stocks that pay dividends in January/April/July/October. I own about half that pay out in those months as I do that pay out in March/June/September/December. I have a buy order on Chubb that closed about 20 cents above my price, and according to Yahoo got within about 12 cents of it. Loading up on stocks that pay out in these months is a priority, but not as high as getting 100 shares of the stocks that I already own.

I might look at the list of dividend payers sent out by David Fish, and see if there are any stocks that pay in January/April/July/October that look compelling.

The S&P 500 actually went down a couple of days this week. I think the correction that everyone has been talking about might be starting.

Here are the stocks and the income amounts for July, 2014:

  • Automatic Data Processing: $27.53
  • Coca-Cola Co: $32.99
  • MDU Resources Group Inc.: $9.82
  • Kimberly-Clark: $46.44
  • Illinois Tool Works: $22.41
  • Chubb Corp: $10.91
  • Piedmont Natural Gas Inc: $18.96
  • Sysco Corp: $16.06
  • RPM International Inc.: $13.31

 

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More Thoughts On Snowden

I have had a few more thoughts on Edward BenedictArnoldovich Snowden a few weeks ago.

He said that he thought about exposing the NSA spying when Obama was elected, but decided to wait hoping that Obama would change things. Once again, either this guy is lying, or he is really really dumb.

There were plenty of other issues on Obama’s mind when he was elected: The stimulus, Gitmo, health care. The NSA was not on my mind, and not too many people were talking about it. Maybe if someone had brought it to his attention, things would have been different.

Plus, if you truly are sincere about getting the government to do things differently, then the best time to bring something to the public’s attention when we have a new president. Particularly when the presidency changes parties.

So why did he wait? Perhaps he was lying when he said he hoped Obama would change the NSA, and did this to make the US look bad (which I bet suits Russia just fine). Perhaps he is just not that bright.

Plus, as many commenters at Little Green Footballs have pointed out, before these leaks, the stuff inside the NSA stayed inside the NSA. The only way Snowden got some of it out was by convincing other people at the NSA to give him their passwords. But now these docs are outside the confines of the NSA because of Snowden.

Also, I and others have noted that if his intended destination really was Latin America, why didn’t he just go to Latin America from the beginning? It seems to be working out for Glenn Greenwald.

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