Roaming Returns

095 - Our Conservative Portfolio Dividend Payouts For Q1 2025

• Tim & Carmela • Episode 95

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With the market’s in panic mode, this is a great time to show  that focusing on dividend payouts and share increases is a much better way to track your portfolio. Not it’s ever changing value. 

When we recorded, this portfolio was around $173,500 and has dropped significantly with the market downturn. 

But guess what? None of that affects the $4,600 in dividends we collected or the shares added. 

Tune in to see what stocks we sold, which ones are new, and the number breakdowns across the whole portfolio. Tim also shares his insights and recommended buy up to prices. 

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Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here.

Episode music was created using Loudly.

Welcome to roaming returns a podcast about generating a passive income with dividend stocks so you can secure your finances and liberate your life. 

With the market’s in panic mode, this is a great time to show  that focusing on dividend payouts and share increases is a much better way to track your portfolio. Not it’s ever changing value. 
When we recorded, this portfolio was around $173,500 and has dropped significantly with the market downturn. 
But guess what? None of that affects the $4,600 in dividends we collected or the shares added. 
Tune in to see what stocks we sold, which ones are new, and the number breakdowns across the whole portfolio. Tim also shares his insights and recommended buy up to prices. 
The spreadsheet is linked in the show notes as well as the video where you can follow along visually if that’s easier for you.
So we are back with the mucho Anticipated someone that everyone seems to like I guess I don't know because real money real money They like to see like what we got going on And I think it's cool having two different kinds of how much our portfolios generate and blah blah blah blah blah blah blah blah blah Yeah Quick thing the markets volatile as we've indicated the last couple podcasts So if you can't handle volatility just stick your money into THTA Or I did find a new one this week that trades in short-term treasuries. It's called weeks. W-e-e-k.
I know it's weak. W-e-e-k It's pricey. That's like $100 a share, but like it trades in Treasuries and gives you a weekly a dividend That's another one where you can park your money if you can't handle the volatility because it's the same thing as THTA It's just cost more But it's up to you or you can put it in bullet shares.
Whatever you want to do The reason that that's really good is you can get in at really low prices while everybody else is panicking after everything plummets Buy up everything on sale. Yes. I wish we had more of a cash fund, but it's kind of hard because the drip reinvesting Allows you to essentially I'm working on it.
I'm working on it. So divvies we're gonna talk about the divvies We made the quarter from December January and February Quick reminder the quarter that was September October and November. We made in this portfolio $4,611 for those three months and we made 1926 in September of last year.
We made 1050 in October and we made 1163 in November. So just Remember those but I'll bring them up again later on as for the portfolio itself. There was some movement We did sell all of our shares and EQ and are that if you remember that was the Norwegian oil company that I said I I'm not too sure about because all the crowd all the crazy shit going on We got out of that one and we directed it into other investments we also got out of Pfizer PFE because I read a report on Pfizer how they lag behind all the other pharmaceutical companies when it Comes to using AI whether it's AI for marketing or AI for actual drug Creation and testing and stuff like that.
Whatever the case may be Pfizer was well behind the other pharmaceutical companies so we took the money from Pfizer and we put it into Bristol-myers and OGN yeah, and We sold all of our shares in the bullet shares. We were holding BSJW in this account. We sold all that and we then transferred that money into THTA if you recall THTA it deals in treasuries and it writes options on the S&P And pays out 12% pays out 12% so it yields more and it has it has minimal movement like The bullet shares in THTA kind of moved the same so I figure why not get six six percent more yield for something that has the same volatility and beta as Treasuries which is nice.
Um, those are the three we sold all we added to this portfolio this quarter We picked up Ozark Bank. This is one of the ones I found in my top ten list when I was creating it for the email OZK it it's raised this dividend like 52 straight years or something And it yields love when we got it it was close to 5% it was like 4.8 or something like that So we got into that I did make a mention in the email and I do believe I said it in one of the podcasts that that Consider that one look it up See if it fits your metrics because I do believe the financial sector is going to be pretty good in 2025 So I picked up a good dividend grower and the financial sector. We also initiated a position in UPS UPS after its earnings it said something that the market got spooked by Nothing to be worried about but it tanked it was down like 30% So we picked it up when it was around though one.
I want to say the 117 mark it went down I think it's like 112 now, but it's another one that you can pick up It's a another one that's grown its dividend for I don't know 20 some years. I forget the exact number But it's another dividend grower. Its margins are getting kind of tighter though.
So don't expect like ridiculously Like five or ten percent dividend growth or increases every year. It's gonna be more along the line of 1% if that yeah, they'll drop it while they have that margin shrink But then they'll probably boost it back up after things but it's like we just got our dividend UPS and it was 164 $1.64 per share, so it's pricey, but it's it's you get a pretty good chunk of change. We also Initiated a position at ADM.
It's another dividend King It deals in just the industrial stuff, I believe I don't know I really couldn't tell you what it's in I just know it's a dividend King to have good margins and It was yielding around like four point two five percent. We got in it, which is super high It's normally like in the two two and a half percent to maybe three percent range. So we got it at a pretty good discount THTA which I mentioned we also initiated a position in AIPI Which is although the REXSshares that we went over in the REXshares video that deals literally with the 25 AI companies it yields between 30 and 40 percent depending on the month It is a variable dividend, but it's been paying out pretty good.
And the last position that we Initiated in this list last quarter was Skywalker Skyworks SWKS. It had an earnings report That's the one we talked about where Apple said they're gonna be buying 25% less Chips from Skywalker Skywalker and Skywalker's shares tanked by like 40% So it doesn't make sense that the revenue is gonna decrease by 25% why the pullback was so much So we picked it up We got it The dividend was around 7% when we got it and normally the dividends in the like the 3% range So it's vastly undervalued. So that's another one to look at But those are the ones we picked up The numbers for this coming up here like there did they do some wonky shit with a couple of them up ABR, Hercules capital HTGC, and UAN the fertilizer one we have for whatever reason they don't pay their dividends in quarterly installments like it's supposed to be a quarterly dividend, but like they do a April I think they do a March a May and August and a November one So they do every three months except for from November.
It's four months instead of three. So like we're missing February It should have been these three should have paid a dividend in February had they done that or we would had 492.37 more in our monthly total for February, but because they're Pushing them back a month. So our March one's gonna be like four 92 high so so I feel like we should encompass that into this to kind of like whatever or we could balance it out Later, but that's just so that's so odd.
Do you remember them doing that last year? No, so I don't know what's changed I don't I don't really understand Whatever. Okay, where he's a crap. Okay, so without with all that administrative crap, by the way, let's get to the actual Spreadsheet so you guys can see what I'm babbling about here if you remember last year there was a lot of I think we had Seven or eight more that were overvalued the end of the quarter.
We have 15 that were overvalued this time. We have one 11 12, so we lost three So we have three less so like because of the crazy shit going on in the market. The prices are actually Becoming more favorable for people to invest in things Most of these are gonna seem familiar like JEPQ we've held forever This which is the top line there.
The price has gone down significantly. The yields went up a little bit It was in the eights and now it's in the nines We did collect three thirteen eighty for the for the quarter which gave us almost fifteen hundred for the entire year those twelve months and we were able to actually Accumulate 27 additional shares and JEPQ that one. I would not buy right now I would hold off on that if you're in it, I would think about turning the drip off It is it's up to you Like it's kind of overvalued like the buy up to price is like if you're starting a new position I wouldn't go above that price You can make the determination on your own if you think the price is going to go up or down from the 55 98 This was take I did the I did these March First is when I got all these share prices.
So this is as of March 1st, so that might have changed this last week I don't know what the price is last week was pretty pretty pretty down. So you'll have to double-check these but then you see XYLD the next one's another one that we've held in this portfolio for a while and this is one of the this is one of the ones that people who are investing for the retirement account kind of Bicker with me about they're like it's kind of risky to have in a retirement account because it's a covered call strategy Which means you're not getting the price appreciation that you would if you just did a S&P index fund But you are getting the 12% yield in income and I'm like, dude I want the income more than I want the appreciation of the actual share price again up to you like if you have it in your if you have your retirement account and you want to actually have more price Appreciation for the time being you buy all means you could pick up like a Schwab S&P fund like SCHD It yields like 6% and it covers the S&P. I Personally like the cover call approach.
I love this one. This one's been super good for us. You notice in December It says we didn't have a dividend, but you know, it's in January.
We had a huge dividend. That's because they Report I guess they paid you for the December dividend in January But like I didn't I'm not gonna compromise like the integrity this by saying that well This should have been this much because it paid that much in January. Just know that December payment is actually in January That's why January is so big.
It's normally like $100 again weird things We made four hundred and six almost four hundred seven dollars in dividends for the quarter in that one We accumulated 30 almost 35 additional shares like that We just keep accumulating that one like these these these top few here we just keep getting shares like left and right and that's the whole purpose of the Drip, the dividend reinvestment is you just keep accumulating shares. Yeah, and I'm not sure you need what the hell's this asshole That's climbing the ladder. I'm trying to paint the wall over here the whole purpose of Our approach is you want to accumulate the dividends until you need the cash and you literally just click that button to turn the drip Off and you're getting all that cash each month or each so you don't have to sell off your base shares and that's why our approach is so much different than the average persons or like the Freaking experts pimping whatever their retirement approaches.
We don't want to have to shell the base sell the base shares Sure growth growth stocks are cool. There's a but we have like five growth stocks in this portfolio. Like we have ASTS we have STM we have But you still have to sell growth stocks. PLTR here, but like we don't they're not included in this chart because they don't really pay a dividend and I'm well I'll just sell those whenever the times right like normally what I do with the growth stock is once it appreciates enough I take my initial investment out and I dump it into one of these and then I just let the profits from that growth just keep doing what they're gonna do, but it's more of like a Cash churning process so that you can dump more into the dividend stocks That's just when Tim happens to see something that's really really low-valued or he sees a really big potential for he's got some extra cash To throw that direction But if you don't have that definitely just stick to the dividend approach because this is really where the magic happens You don't have to sell anything to have your freaking monthly payments hit.
That's the one big thing I don't like about the index fund approach Especially with an uncertain market. You never know when you're supposed to get out or when you're supposed to hold This is just so much I think this is like it's such a more beautiful process. The next one is ABR. ABR you see it had it went through a pretty steep sell-off.
It's like a $12 now It's yielding 14% you see that we had no dividends collected in December January February Which means we're gonna have one in March and we're gonna have one in May So we're gonna have two dividends in the next quarter report So though that is so weird that like it's a quarterly and it didn't even have any during so just remember that we this should have Been like a hundred twenty eight dollars that that should have been in there, but it wasn't forever reason So we only got five hundred and fifty four on that one for the year what it is what it is But we accumulated 50 almost 51 additional shares a lot. It's a lot of figures like that's Probably like I want to say 20% of our ABR holdings right now or a div Shares we got through drip. It's getting up there But that is one if you remember that Tim we actually sent out a special email saying hey this thing dropped off a cliff Don't panic with the news.
This is actually not a big deal by it by the dip by the dip I think that 14 I do believe the fourteen point two zero yield is gonna be cut So it is what it is They're probably had ten or twelve years of dividend growth But I do believe they're gonna actually cut their dividend in the net in the next Either this this well in 2025 when the next three quarters are gonna cut their dividend because their payout ratio is pretty high and Their earnings per share is not actually covering the Ford. I want to say 43 cent dividend, it's like 40 cents right now. So I do believe they're gonna cut this one Are they being really impacted by the tariff situation? It's interest rates more than terrorists.
Okay, okay They can't Refinance their debt because the interest rates are just as high as they were whenever they got the debt so they're waiting for the interest rates to drop so they can refinance their debt and actually save money and because They deal on mortgage REITs So they're kind of they're kind of F until the interest rates come down So I do but I do think they're probably gonna cut it from 43 down to probably 28 30 cents around there So it is what it is, but the but the dividend will then be jacked back up as the interest rates get, you know Get more. What does that stabilize? Three or four percent range once that happens and they can actually refinance their debt there and they're they'll probably bump their Dividend back up at that point, but I do I foresee a dividend cut coming in a BR So if you haven't bought into it, I wouldn't buy into it just yet because once they cut the dividend Price is going to go down The fourth one's a mainstay Hercules capital. It's overvalued.
Don't buy it. In fact, I actually have a a In the van life portfolio. I have a sell order in to take take some profits in this one So it's just it's it's getting too high too high and mighty.
That's another one If you see we didn't collect the dividend in December January or February So we'll have one May that one we actually accumulated nine hundred thirty one ish dollars and twenty four additional shares But that one I've been tinkering with left and right there was one quarter where we actually didn't accumulate any shares It was overpriced. So I just took it in cash but that's 930 for the year and Current yield when we did this was nine point two nine percent. I think it's about ten percent now I think it actually went down to like nineteen dollars around there It's still still I even at nineteen it might be below the nineteen fifty, but I still would hold off on that one For Month or two if you haven't bought into if you've bought into it, don't panic sell just Turn your drip back on and just accumulate the shares and you're gonna be getting two dividends the next three months Oh and as always guys if you guys are listening in the car on the road and you're not watching what we're doing right now On the YouTube video We will have this chart linked in the show notes so that you can browse it at your leisure and see for yourself dig around Check stuff out.
Next one is NBXG. It's one of the main another one that's been around forever It's basically they just it's a close-knit fund that just accumulates different shares of different companies. I really like them it is Probably one of my favorite closing in funds.
It yields nine point two percent. It's a little bit overvalued Even if it pulled back to say twelve fifty or twelve dollars I'd still would hold off on that one if you haven't bought into it I think you could probably get it cheaper down the road because I think we're going to if not go into recession It's gonna be pretty close so the prices are gonna keep dropping well the fact that people are even talking about recession people are getting more and more panicky and Things are dropping on even just like a fraction of news Because the interpretation is so skewed to the pessimism side the beauty of this one is I mean, it's a monthly pair You see we got 62 62 63 We only got 776 for the year. But like you see the how many shares we've added this year 67.5 that is Do you say 15% of our total our total position and NBXG is actually from dividend reinvesting So that's pretty sick.
Yeah, next one is Starbulk. It's a Carrier ship it transports like oil and dry goods and bulk goods stuff like that across the oceans. It is Vastly undervalued.
I think it's actually lower than the 1563 now. This one is Its finances are pretty good, but you have to remember when you're dealing with cargo ships the finances can turn on a dime like you can go from where they have four or five six dollars per share EPS and it Can go to like nothing like ten cents like within a quarter because it's just not very reliable Like they basically make money when they can ship stuff, but if no one if there's no Demand demand for their for their shipping they just eat they just have these 40-some vessels. They're not doing anything So they're the revenue just gets decimated and I could see that being a big issue with tariffs Constantly back and forth.
So with this one, we've made a pretty good money a pretty good amount of money I will 8 to 8 28 and we've accumulated 41 additional shares. I Yeah, I believe this one will probably be in this portfolio forever until her mom dies Honestly star bulk, I like it. Next one is Trinity capital.
That's one that we've Actually taking profits a million times the van life portfolio. We've actually taken out our initial investment Everything is all profit in the retirement portfolio. We've only taken out about half.
So we've taken two profits on half of it Oh, so you weren't able to get the full thing out Trinity had good earnings and it shot up pretty good So we were able to get out completely. It's a it's a BDC. BDC's are gonna be pretty they're gonna be popping off this year if you recall I back in November at November I said BDC's are gonna have another good year in 2025. Yeah the prediction because There's no idea where the interest rates are gonna go So people like if they knew the interest rates were gonna be cut say two times or three times in 2025 They would just wait for the interest rate to be cut before they borrow money from a BDC But because nobody knows when rates are gonna be cut if they're gonna be cut or if they're gonna go up It's just basically if you need money, you just get it out and then you'll just refinance the loan later So BDC's are gonna be pretty sick this year.
This one generates of again almost $900 and In dividends for the year and we've got almost what should it like 12.5% yield. We got 35 additional shares So like that's just this one is like because we got I got this one in The van life before I got this one. It was it was like $10 and in the retirement portfolio I got it around 11 and 50 ish and it shot all the way up to like 17 something That's when I started taking profits So this one is vastly overvalued like if you're in it awesome If you're not just ignore that we even brought this one up Like it's gonna take probably three or four years for it to get down to where it actually makes sense to buy it Yeah, just stick it on your watch list The next one is if you remember we talked about queer tip will QRTEP like change their name and didn't tell anyone When I was going to find out the dividends, I was like, what the hell is this this QVCGP crap That's so much.
That is so not easy to say compared to courts up But this is a preferred share if you love if you've been flipping around the TV late at night and you see QVC and they're like Trying to sell you some bullshit shirts with like like flowers on them Well, I will say QVC and the actual ticker thing makes sense or they're trying to sell you whatever like if you just scroll around That's a QVC thing This is their preferred like they actually to raise capital to keep their common stock Listed on the the exchanges they have they've been raising money and they've been doing it through preferreds This is a preferred that's normal. Like it was sold at $100 per share and it's currently at 32 33 dollars per share. So it's $67 around they're undervalued and it pays 22% if you don't remember about preferreds like if if they were to go bankrupt that put like the They would liquidate all of the assets and they would pay out the preferred shares first first So like you get preferential payouts you do but you don't get any say in anything that goes on So who cares but we've we made $1,200 in cash.
So like this one here is literally paid back So we got this three years ago and like between that like we get $2 a share per dividend every every quarter So we're getting $8 a year in dividends and it's not always been 22% there was a time there and it was like 40 45 percent That's how low it was trading So we've literally actually made all of our money back in this one If you're interested in I would start small I would put in a couple hundred dollars maybe a thousand and go from there and just kind of add to it when you have Cash, whatever else but you don't keep the drip on in this one You just use it to funnel into other one This one here is literally just you're just collecting $2 a share like don't reinvest in this one It doesn't make sense because there is the possibility that it QVC could go up in smoke Yeah, yeah, because I don't know who the hell even to me this like all the shit people Like all you guys are in some risky shit You're in like yield max this and you're not like and they're like that preferred share is pretty sick I'm like do that preferred share is way riskier than the yield max stuff That is probably one of the most risky investments in the whole of conservative portfolio. Really interesting I mean that does have a super high yield. The next one is UAN.
It's our fertilizer one. I love it Probably another one that will be in the portfolio forever It it yields this currently 8.8 But it's a variable dividend like they basically take their profits and they pay out like 75% of their profits So sometimes the dividend is $1.75 other times dividends like $10. You never know what dividend you're getting with this one It's kind of a kind of fun to your own veteran keep you on your toes Yeah, so you're saying this one's a little overvalued right now.
Yeah, it's vastly under as vastly over vastly. Sorry vastly Again you see there's no dividend. So we're gonna be Dividend in March and a dividend in May and for this one face So we've only got six shares for the last year in this one.
But again, this one's awesome But we did get 371 if you know anything about like what the problems in the world are one of the biggest problems is Finding enough food to pay for all the people that just keep procreating one of the ways they actually Grow food is with fertilizer and there's only a handful of companies that are actually reputable fertilizer Companies on the stock exchange and this is one of them There's another there's two other ones that I can think so you don't see the demand for this thing going away anytime soon No, this one's good. Like no That's why it's gonna be in the portfolio to tell her mom that her mom dies because this one and we inherit her portfolio It is what it is. Okay this ball speaking of you max Next one is the risky thing the video max to me.
This is probably the best yieldmax NVDY. Right yield 110% the reason I say that is not because the share price goes all over the damn place like there's sometimes it's like in the 30s and sometimes it's in the like the 1314 $15 range that's not what makes this one the best one this one's good because you get every say the price goes from 1814 to say $17 in March your dividends probably gonna be enough to cover that loss So if it went down to 17, I bet your dividend would be a dollar 14 They they actually are pretty good about making sure that you're not losing any principal in this one Unlike the CONY experiment that we're running right now Because it's there they've done a synthetic option position on Nvidia Shares, like I don't ever see this one going belly-up because it's just Nvidia's like, you know The sixth wonder of the world and it's never gonna go anywhere for like the next 10-15 years and we're collecting December $90 January $140 February $139 we're collecting the shit ton of money in this one. Like you see that it's 1391. That's on less than year That's on less than $3,000.
That's insane $1,391 on And normally I tell you Yieldmax to turn the drip off but like on the Nvidia one like anytime it drops below 20 I turn the door and any time it's below like I'm gonna say 2250 around there I turn the drip on and I collect it in shares because it pays so much like it's been pretty consistent like dollar to dollar 50 in that range And we don't do that for most of the yo max and we've collected $1,400 in dividends. We've basically Even with that metal modality 55 56 Share drips from that. That's crazy.
And you don't even have that on all the time. No, that's from the last year. That's crazy The second best yo max is the one right below at Ymax.
It's the one that basically encompasses all of their different You know, it's the index fund of the Yieldmaxes it Doesn't yield near as much as the other yo maxes by like a pair It does pay weekly and it pays out a lot a lot a lot Like it was paying out say we're gonna say like 80 to a dollar Per month when it was doing monthly and since it went to weekly it's been it's been between 75 and like 225 It pays out a lot this one You could pick it up whenever and whenever just because like to me if you're thinking about investing in yo max This is probably the way to get started I was gonna say this would be the best way to start because you see the weekly payouts and then you can just turn the Drip off and funnel that into the better stocks and start seeding that portfolio a lot faster I think you probably because don't this 40 of this 50% yield over here is just based on like they're a lot like they the Last, you know 12 months. Yeah, I'm pretty sure that if you put say $5,000 in this you would take you Okay for this one here You see the 50% that the y-max it makes you think that would take up to two years for you to get your initial back And I'm pretty sure you can get it back in like less than 15 months Just that's how much it pays out You see that it pays out almost as much as NVIDIA and the videos at 110% and this one here is that for at 50%? So yeah, the video paid out almost 1,400 and why max paid out like 1250 and this again Like if it drops below if it drops below like 1550 ish I turn the drip on and if it gets above 1550, I turn the drip off and you see doing that fluctuation I said, I've accumulated just as many shares I did five shares for the year doing that approach without it the drip even being on the whole time That's pretty swanky. And this is the last yield max in the retirement account.
It's the y-mag. It's basically the Magnificent seven they have Synthetic options for all the Magnificent seven. So you said this one wasn't performing.
This one's kind of shit Yeah, are you gonna are you thinking about getting out of this one? So how much do we have left in it to get out your mom's in it like, um, she paid back yet No, like I put like 1700 in it. So it's been a while It's gonna be probably two or three years before I get it up because a big if it drops below like 17 dollars I turn the drip on if it pops above that I turn it off Like I know what I say Like it for you people that are worried about like riskier assets leave the drip off until you've accumulated all of your initial investment But I've started to see like when it there's like price patterns bands in this here so if it drops below a certain price I'll turn the drip on because I'm gonna keep it a shit ton of shares and if it gets above a certain price I turn The drip off the goal is to eventually pull out the initial investment and I can just not even worry about the drip But when he does that he's lowering his cost basis as well So it's like because Tim's in the portfolio. So frequently that makes sense if you want to do that, too By all means but it is a lot more maintenance and upkeep This one is also a weekly payer along with Y max The Ymax is paying like, you know between 14 and 30 cents a week and this one's been paying between like 5 and 14 cents That's trash.
So it's kind of it's kind of asshole. Yeah, that one that's trash, but it is the magnificent seven So it is what it is. I could turn around if we ever get out of a recession.
Next one is a See closing the fund that deals all in bonds. Why why why it's a bond fund and We did in the van life one, I kept I kept your mom's because it's just a bond fund it's paying 50 bucks a month Yeah, so And it's pretty safe So like you see like that that share price like just doesn't fluctuate very much between like say $10 and $15 I know that seems like a lot. That's like 50% Between yeah, but if it trades in a band and it's like re dripping and everything.
That's actually not a big deal This one we've got 55 additional shares in this one We've left it's almost $600 and it's just last year. It's just been chugging along. We got the buy-in price for this one is $9 so like and as long as it's above $9, I'm golden it can do what it wants to do That is the nice part of getting that like price buffer when you buy in God, we got a lot of like in the retirement fund once I figured out what the hell I was doing We got a lot of that was the big that was the big really really really really good prices I got a lot of these after COVID. But this was that was the really big difference that turned things around for our investing approach as a whole was hand Tim figuring out How to actually evaluate to a couple dividend investing with the value investing Next one is an insurance one AFG It the reason I got they've they raised their dividend every year So they're a dividend grower But in the meantime, they throw off special dividends at least once a year when the special events are between five and like $20 a share. I know it only yields 2.5, but for a retirement account that's willing to dump you a bunch of money in special dividends, I'm cool with it. It's gone nothing but straight up, so it is what it is. I like it.
You're not getting a lot in the regular dividend. You see $20 is next to nothing. But you see how if you take 20 times 4, that would be $80, and we got $339.
Then we got some big, huge special dividends in this one. So the year was $339, and just that quarter was only $20. So that must be thrown off a hell of a lot.
And those special dividends are not included in the actual yield at 2.5%. I would literally pass this up. You must have found this during one of the dividend pools, ex-dividend things for a special. Yeah.
So that's why we do that weekly chart stuff. We discussed it last week. If you go into the dividend.com, the ex-dividend calendar, and you go down, I remember I said there's a three-month, there's a one-month.
Well, sometimes they'll have those listed in there. They'll say O, which is other, which is basically a special or extra or whatever it is. And when I saw one, it was like, I think it was 18.
I was like, it seems paying off an $18 special dividend. I better check it out. And I checked it out.
I was like, oh, I likey. You're not getting a lot of shares, but whatever. This one is an insurance.
As long as boomers are alive, insurance is alive. So it is what it is. Next one's like the bomb.
ARCC, that was the top dividend in our list that we launched on Friday, our top 10. It is the largest by market cap BDC and it's awesome. It doesn't yield as much as other BDCs.
Other BDCs, you can get like 12, 14, 16%. This one only has 8.3. But it does 8.3, but it's really, really, really, really well ran. So it is awesome.
Really, really. Yeah. You got 136 in this one, 527 for the year.
We got 25 additional shares. Again, this one's probably going to be in the portfolio till her mom dies. If you can get this one around $20, it's a steal.
Yeah. So right now it's at like 23-ish. You'll have to wait a little bit.
But honestly, the way the markets are going with this panic and all this crap happening, just keep an eye on it. Put that on your watch list. Closing the fund NLR, it is the uranium one that we got last year because I expect the uranium to pop off this year.
It's vastly undervalued. Speaking of which, I was just talking to a dude who's working for like AI building this and this and that. And there's talk in the underground of them actually attaching many nuclear reactors to these AI freaking industrial park things.
So, dude, it's coming. It's coming. This one I just add to and I have extra money.
I put in like $2,000 and every time I have extra cash, I'll buy an additional share or two. It is at like $80 a share. It should be, like my buy up to price is $85, but this one should be like in the $125 range.
So it's vastly undervalued. It doesn't yield too much, the 0.69, but I expect the price appreciation to be a lot while you're waiting on the AI revolution to occur where they're using a lot of uranium. And the problem with this one is it only pays out a dividend in December.
You mean one time a year? One time a year. It's an annual payer, but you're not really in this one for the yields because you see it's less than 1%. You're in this one for the price appreciation.
It's a close-knit fund that holds like all the best uranium. I was going to say how many, was it like 30 companies? I forget. 27, 30, 26? I forget.
But that's like you're not, you're putting all your eggs, not in just one. You're getting like a pool of them. So one of them will hit and you'll get it in the fund.
So I love the approach of this. So yeah, not dick for dividends, but you're getting something which is better than nothing. Next one's about to be sold.
MMM. Like I'm torn on this one because we got it at such a good, we got it at $88. This is when like all hell broke loose. We got it at $88 and it's currently at 155.
It's almost like 100% gain, but it doesn't yield crap. It only yields 2% and they cut, they, if you remember last year, they cut their dividend and they ended their 66 year streak of dividend growth. Well, actually, if you want to tie it into the last couple of episodes we did, they did a stock split.
They did a stock split and then they did a spinoff with their pharmaceutical part. They spun their pharmaceutical part off. So triple M's just like the industrial tapes and shit.
But because it's a dividend paying stock that did the split, that means they are obligated to pay the same dividend to all the extra shares that went into the mix, which then put crunch in their profit margin, which is why they had to cut the dividend. So this one started, they raised their dividend by, I think, 12% this year. I think they're probably going to start re-upping it.
So that's why I'm kind of like, do I really want to get rid of it? I mean, I don't want to. Still cannot believe triple M lost or left their king status. I just can't.
So if you're in this one, good for you. If you got it for $88, high five. Just hold this one.
I would just hold it and see what happens. Well, it depends on your approach, right? We put a few thousand dollars and we only have 25 shares. But it depends on your approach, right? If you're looking for the long term stability.
It's a long term dividend growth. That's why it's in the retirement account and it's not in our van life one. Because we want higher yields.
I have no desire to wait 17 years for this to get up to like 6% again. Yeah. But I do think they'll actually get to a point where they'll have to split their stock again within the next decade.
Because their profit margins and their revenue is so sick that they're going to probably have to split their dividend, split their stock up again. They're going to have a dividend problem again, aren't they? No, that's why it's this little sissy amount here. It's not 6% or 7%.
Oh, so they did like a massive overhaul in preparation for like the long term. They did a humongous cut. So they knew they were going to have to cut it at one point.
So they did a massive cut instead of smaller cuts to screw up their ability to hit king status again. Yeah, OK. That makes sense.
Next one's a new one. We haven't really got a dividend for it yet. But like I said, it has 50 some years of dividend growth.
It's the Ozark one. It currently, at the current prices, yields 3.5. If you can get it below 50, awesome. Then this should just be a hold and turn the drip on and see what happens.
We bought it in January. Again, king, which means constant dividend growing. So even though it has that super low yield, if you get in a certain price, that's your basis point.
And every time that dividend goes up, you actually increase your yield year over year for the rest of inception. It's a really, really well ran bank. If you're not familiar with it, it's a bank that's in Arkansas.
Is Arkansas? It's Missouri, Arkansas. It doesn't say Arkansas is where the Ozarks are, isn't it? Missouri, Arkansas. Yeah.
So this is a bank down in the south that's really well ran. Impeccable loans, impeccable balance sheets. There's nothing about this one to even be alarmed about.
You hear all the time that, oh, such and such bank's going to go under. You'll never hear that about this one. I don't even think most people have heard about Ozark Bank.
This one's insanely. Whoever runs this is a king. Jean ass? They're a king.
Next one is one that'll probably be sold in the next five years. Verizon. It's Verizon.
That's because we believe the Starlink is going to disrupt. It's going to disrupt all the phones. The tower.
Now granted, Verizon and T-Mobile and Sprint. That's not Sprint anymore. AT&T.
And AT&T, they all have contracts with Starlink. So like that could help them. Yeah.
But I just would rather be in Starlink than Verizon. So when Starlink comes out and it hits a good price, I'm going to probably sell, liquidate this one and dump the money into Starlink. It is good for what it's for.
It's 6.2% yield and it grows its dividend. I think it's 21, 22 years it's grown its dividend. I think this one's actually an aristocrat.
We've got 10, almost 11 shares this last year. Just turning the drip on and letting us see what happens. So this next one is vastly undervalued.
Like 60% undervalued. And Tim talks about this one all the time. CIVI.
It's CIVI. It's an oil and gas refinery transportation company. Their dividend, it says it's a 10% yield.
But again, this is one that when they have profits, they throw off a special dividend. So like their base dividend is 50 cents per share. But they throw off two, three, seven, eight dollar specials whenever they have extra money in their profits.
So like this one, it's nice to get the 50 cents per share. But at the same time, you kind of expect there to be at least one special dividend per year. And I'm waiting.
We'll see. I like it. If you can get this one like where it's at now, I think it's like 29, $30.
That's a steal. You're saying that it's like valued at 60. That's severely undervalued.
At least 60. That's for a good profit. This would be the one to pile into from what I've seen so far.
Every time I have extra money left over that I don't feel like dumping into the cash reserves, I buy a couple shares of this. I've been picking up one, two, three, five shares a week for like the last four or five weeks in this one. One, two, three, five.
Just because it is nice. So it looks like we got a dividend payout in December for $61.50. And we didn't have any the other two months. And that's all we've had.
Because this is fairly new, right? It paid out in December. But I've been adding to it every week. So the next dividend is probably going to be like $100, $110.
That's how much I've added to it. Nice. Next one's the OGN.
That's the female pharmaceutical company. They do like all female stuff with like birth control and female health and things like that. Really good yield.
Really good price. 7.45% yield. It's around the $15 mark.
Tim's showing it's undervalued a little bit. It is undervalued. It was trading at like $22, $23 like in December.
Yeah, so it's undervalued. It's actually pulled back a lot from where it was. It was getting so high that I was thinking about actually taking profits in this one.
But I didn't. Really? Well, I guess you're glad you didn't with the market pullback. So we got 10 additional shares.
And this one will probably be in the account for as long as BMY is. We'll get to BMY in a minute. So the next one to be sold on this one is either going to be Triple M or BTI.
BTI, if you're not familiar, is the British tobacco. They make... Oh, you're going to sell one of your tobaccy companies. They make cigarettes.
And the reason why I'm going to sell it is because their profit margins went to shit in the last like 12 to 16 months. Oh, I'd say that's higher risk than the Triple M then. It's overvalued by a lot right now.
It only yields 7%. I mean, yields 7% only. But like for as overvalued as it is, you think they have a higher yield.
We get a pretty good dividend from this one. Like we got $500 this last year and that's pretty good. And we got 14 shares.
But like it's overvalued. The profit margins have actually shrank a lot. Their payout ratio is really, really high because their profit margins just shrank.
Their revenue has been pretty consistent and their debt's been pretty consistent. But it's just their margins are shrinking. And if you like margins mean dividend payout, dividend growth.
Yeah. And if they don't have it, they cut it. They have a negative... Or they borrow, which is not good either.
They have a negative profit margin. That's like a huge red flag to get rid of it. This is the next one is one that we've been in a while on this account.
But like once it had its pullback from like the one... Oh my God. Is it really this low? 130 to 140 range. We bought it up like hand over fist in the Van Life account.
So it's the IIPR. It's that marijuana one. It's a marijuana REIT.
So if you're driving down, you see all those CBD or... Distributors. Distributors for marijuana. If you have your green card... Dispensaries.
That's what it is. If you have your green card, chances are... Your other green card. That this company owns the store that the place is renting from.
They pay like... This was like in the $130, $170 range, right? And it's down at $71 right now? It dropped a lot. Whoa. It had a very bad earnings and people got spooked.
And once people get spooked, they do the panic selling. But this is a prime example of why we touched on it before. But like when all this shit went down with IIPR, it literally went from like $130 down to like $99 in two days.
And if you had a stop loss, you would have been selling at probably the $100 range, not your stop loss of like $115 or $120, whatever your stop loss would have been from when you got in. You just read an article about that. They call it slippage.
I didn't realize there was a technical term for it. If you want to like blow your mind sock, if you're not aware of like why stop losses are bad, look up the word slippage. It happens in crypto all the time.
I didn't realize that's what it was called in the stock market. Slippage is like there's... Whenever they're selling stocks... They can't guarantee your stop loss price. There has to be someone selling the stock and someone buying the stock.
That's like common sense. What happens in panic selling is there's so many people unloading the stock and there's only a few people buying the stock. So they'll take all these millions of people over here and they'll try to match it up with like these five people over here buying.
They have to drop the price to incentivize the sellers to sell. Whatever these people are buying at, they don't guarantee that your stop loss will be met. What they do guarantee is that you'll get the closest price to your stop loss that they can with those sellers.
So if the seller... With the pool of buyers they have. I'm sorry, with the buyers. So if the buyers are like straight say, we'll give you $70 for it and they're the only buyers and you have an all hell broke loose and your stop loss will say $130.
If you're next up on the list, you're selling it for $70. Yeah, you're getting screwed. And this is why we continue to say we do not recommend stop losses.
Unless you're in your account every day and you're monitoring things like that and you're looking at earnings. If you're doing that, you shouldn't have a stop loss. If you're looking at earnings report and everything.
I mean, it could do a stop loss because you're actually taking care of it. But if you are setting it and you only visit your account like once a week or once every couple of weeks, stop losses are horrible ideas. Yeah, that's more risky than being in a stock market.
But we got a really good dividend on this one and that used to be 6% over there. And just because of the pullback, it's up to like 10.5%. So like this is another one that as long as people are smoking reefer and it's legal, I'm gonna be in this one because we got this one at a ridiculous deal. Yeah, I don't see that going anywhere.
This one should be like 105 to 115. The fact that it's trading in the 60s and 70s is criminal and if you have money, I would recommend buying that. I don't know if I call it criminal.
I call it a steal. It's a steal. But it's criminal.
You're stealing. Wow, okay. Next one, Bristol Myers.
That's one, if you remember, I said one of my five stocks for the next decade. This is one of them. This one, they have so many things in the pipeline.
They're using AI and anytime they see a competitor that they like, they just say, hey, we'll give you a billion dollars for all your shit. And they're like, okay. So they just been scooping up like different things.
What the problem with pharmaceutical companies, if you don't know, is they have a calendar of how long their prescriptions are good for before they reach the end of the calendar, then generic companies can make the same medicine for cheaper. So they only have a certain amount of time. You're talking about like the patented name brand crap? They have a certain amount of time.
They can sell their, like say for the COVID, they can sell their COVID stuff for a certain amount of time. Then after the X date, whatever the date may be, then all the generic companies come in with the same exact chemical structure and sell the same medicine. So it's like patents.
So what happens is when the patent, like whenever that period's over, they either have to have new prescriptions in the pipeline or they have had to bought up different people that have new medications for them to actually fortify their- To suppress the generic? Okay, that makes sense. That has to be a competitive market space. Screw that.
So I really like this one though. I mean, it only yields 4%, but they have 20 years or something like that of dividend growth. So they're a dividend achiever, whatever.
But you do have that they're overvalued right now. They're vastly overvalued. So like this, put this one on your watch list.
If it drops below, say $53, pick it up hand over fist. Yeah, I'm assuming you actually turned the drip off, but we only accumulated like four shares in the last year of that one. Yeah, next one's a dividend king.
Black Hills (BKH). It's been almost 60 years of dividend growth. Yields 4.5%. It's an electoral company out in South Dakota, North Dakota, Wyoming area.
Awesome. It's like we've just been collecting money. I got this one at $39, $41.
Holy crap. It's at $61 right now. High five, Tim.
This one's just gone crazy. And it's overvalued, a little bit overvalued. I wait till it drops below $60.
It will. It will with this market. Oh, yeah.
If you notice anything about utilities is they're cyclical. Like in the cold months, they're higher. And then in the spring, they're lower.
And then in the hot months, they're higher. And then in the fall, they're lower. So we're coming up in a period where this price will drop below the $60 where you can pick it up.
And then you'll get a boost in the summer when it's hot because people run the air conditioner. And then it'll drop down a little bit in the fall when people don't use anything. Yeah.
So cyclical. Just stick it on your watch list. It's a really good one.
I like it. The next one's an electoral company, too. That's ES.
It's Evansource? Something. Eversource? I don't know. It's energy source.
It's really undervalued. That $70 is not even right. Most of the people I see, they have this as their target price is like $100, $110.
Yours is only $70. Well, I figure that if you get it before $70, you're getting a 5% yield. And then- Because you're looking at it from the yield cutoff perspective.
Doesn't- You don't accumulate a lot in these electrical- The last three- But they are kind of like hedges. We haven't accumulated a lot of shares in those last three. Bristol Myers, Black Hills, and Evansource, Eversource, whatever it is.
And you're making a dividend while that's happening. Yeah. Everybody else panic and jump and ship.
But everybody- I hear people now talking about getting into energy. And it's like, we've been talking about utilities and energy for like two years. Yeah, we've been in those for a while.
So I like it. I think this one, if I had to redo the top five for the next 10 years, this would be on the list. If it's not, I don't remember if it is or not.
I can't remember either. But this is a really good one. They're really well ran.
We sold this one. So Pfizer, if you want to get- Oh, you're talking about Pfizer? Yeah, if you want to get into it, it's a good price up to like $29.50. We sold that back at the end of November. But like, I don't- I don't know that I'd get into it though.
Because I'm starting to see articles about how there's all these lawsuits now with COVID fallout and yada, yada, yada. So again, you couple that with the AI component, that they're behind the eight ball. I don't know.
That seems too high risk for me. But people want to be in pharma companies. Yeah, I know.
So and this one yields like what, two and a half, three percent more than Bristol-Myers. Yeah, you could. But I'm looking at things from a future perspective.
But OGN yields more than Pfizer. I was going to say, there's other options. But like, I don't like it.
Other people do. If you like it, cool. Each is their own.
It's a choose your own adventure. This is what we're doing. We held it for over a year and made pretty good money on it.
But we did. Once I saw that they're behind the ball and AI, the AI is going to be it. Like every business is going to have every business aspects of AI and everything.
So if you're behind the eight ball already, you're going to have to overpay to get caught up with your competitors. If you're overpaying, your revenues are going to shrink. Your profit margins are going to shrink.
And then you're going to be playing catch up. It just doesn't make sense in your finances. So not at all.
Next one is a mining company of some sort. V-A-L-E. Wait, Vail.
I think that's the wood. I think that's the pellet one. I think that's wood pellets.
It's not done shit since we bought it. But it does throw off about ten and a half percent yield. I was going to say, that's a good chunk.
OK, so we haven't gotten any dividends for this quarter. I'm assuming this is one of those stupid ones that bumped it into March. It's not.
No, this one is a buy yearly. This is when they have money, they pay a dividend. Oh, I just like the wood pellets because I do believe the pellet.
When did we buy this? Because we've only got twenty seven dollars for the year. Yeah. OK.
OK. Yeah, it's pretty good. I have no words.
It is what it is. Tim doing Tim things. It could be a woopsie-daisy, but I don't know.
This one here is a mining company, and they're pretty sick. I like them a lot, actually. Only yields ten percent, but.
Only ten. Like for whatever reason, Vanguard won't let me actually reinvest the dividends in this one. So it's been in all cash since we bought it.
Really? Yeah, for whatever reason, I cannot get the drink to work. I can see that with like Vanguard, but. Horrible as Fargo.
But I can't get the drip to work on BSM for some reason. So it's all been cash and I've just been like, all right, whatever. Cool.
So we made two hundred nineteen dollars last year. We had fifty four dollars for the quarter. That's still pretty good.
Well, fifty four fifty four is one hundred and nine fifty. So one of my fifty one or nine fifties to nineteen. So that's four equal payments of fifty four.
Seventy five. Yeah. Hasn't cut its dividend yet.
So that's that's that's always a win. It's always a win. Next one is one that I'm sure everyone's familiar with.
EPD. That's one of one of the ones that people say to get into whenever you're thinking about getting into the gas oil sector. However, they they raise their dividend every year.
I think it's at 19 years now, 19 or 21 or 18. Overvalued. It is slightly overvalued, but that's only because.
You're super strict. Yeah, like just based on the price accrued, this one could you could probably get it up to forty dollars. I just like my my buy of two prices.
This column here is almost linked with this column here with the yield. So we're looking at it from the yield perspective. That's kind of how Tim comes up with that, because he's like, it's not worth my while, but the yield isn't.
It's not I'm not saying that I don't I think the high price of the EPD in the next 52 weeks is going to be thirty two dollars. What I think is for you to get your best yield of six and a half percent, you couldn't you couldn't go above thirty two dollars. You could obviously buy it at thirty five for like a five point eight year or whatever.
But I just why they're tied together. I want to get the highest yield I can with like the most reasonable price. Yeah.
So he's trying to do that. And then he's looking at it from a sector perspective and he's looking at what the other options are. And that that's like his cap out price.
That's how Tim does it. But it's done well. Like if you want to buy it, you can just be getting like a I don't know, six and a half or I'm sorry, six and a quarter year.
That's not terrible, much different than six point five. But we got fifty five dollars for February and then one hundred sixty three for the year last year. I think you picked this up through the year, right? Yeah, I got that.
And it's all we've almost had it for a year. I don't know. I have to go back and check it out.
Next to our tax free municipal bonds, the fact that the fact that we can get a seven percent yield on a muni bond. That's unheard of. It's crazy because if we if we if you're if her mom was loaded, that seven percent would be twelve, 13 percent with the taxes included because you don't have to pay taxes on this.
Oh, yeah. If this wasn't in a pretax or a non taxable account, that would be actually a lot higher. But I just like it because it's super consistent.
Like it doesn't there's like low beta. It doesn't deviate from like its price band like at all. And you get paid.
You get paid every month. Like I was twelve, twelve, thirteen, twenty five, twenty six dollars between the two of these every month for basically no price. Anything.
Are they like the same company, NAD, NZF? They're the same company holding different. They have different muni bonds, different ones. And I think it's duration.
And so when you pick up a handful of those 127 bucks, that'd be a way like if I was going to combat inflation with a ultra conservative portfolio, it would be a whole shitload of closing the funds that held muni bonds. And it would be probably three or four ETFs that just held treasuries like the THTA and WEEK. Like that's how I would combat inflation and my complete fear of losing my principal if I was a crazy person that needed a crazy person that was worried about that type of stuff.
It would be that's that would be my conservative. And we're talking that's still what's said be nine percent. If you divide the money up evenly between the THTA.
Yeah, it would be like nine percent. We can and NAD and NZF, you'd be getting like nine percent yield on like super, super conservative things to me. But my risk appetite is a lot higher than other people's.
TRMD is a preferred share and it is a shipping company that transports oil. And it's been absolutely miserable since we bought it. Has that yield changed? 33.45? It was like 27 percent.
It's down that much. But this one, 33 percent yield for preferred is crazy. It's undervalued.
It's a preferred too. Holy hell. Yeah.
But you said it's been terrible since we bought it? It's been terrible. You mean price wise or dividend payout? Price depreciation. The dividend payout hasn't fluctuated at all.
It's a preferred. So you're getting the same amount every quarter. So it pulled a Coney.
It's just like kind of went straight down, even though it shouldn't go straight down. But I mean, if you're reinvesting, you're getting very, very lower. I'm hoping that it goes up at some point because it should.
Now, I imagine that's impacted severely with the economic situation that's happening. I don't know. He was going down long before this went down.
We will find out. But 33 percent yield on the preferred is pretty nice. Again, like if the company went bankrupt, they would liquidate the things and they would pay out.
You first. The preferred. So actually the private investors and then the preferred and then it would be common stockholders.
So there's a chance that you get back a portion of your initial investment in this. Versus zero. So next one's a mining company that we like.
It pays a dividend whenever it has money. It hasn't had money for a couple of years. But it's still water, still water mining company.
I like it. They're one of the largest. Why does that say zero percent yield? Because it hasn't paid out a dividend in a year.
Why'd you buy it? Because it was super, super duper underpriced. That price should be like a 319, 319. That should be like in the 20s.
But because I don't know if they're paying out a dividend. I have a like a low buy up to price because like what's the point of buying it for, say, twelve dollars? We don't have an idea if you're going to yield or not. But this one should be in the 20 to 25 dollar range.
It's still water. So that's what my brother was talking about. Yeah, this one could do some interesting stuff.
But if you're not like if you want reliability and stuff, I don't know that I'd get into this one. This is more of one of our hunch things. Yeah, this is a gross stock that pays a dividend every now and then.
Whatever. STWD is a REIT. Steward.
It's been okay. It's just been I think we've lost like a hundred dollars in it. We held it for a year.
We only got a hundred dollars. We're kind of breaking even. But it does yield nine and a half percent.
So hey, that's something. I'd rather have Arbor, but that's me or IIPR. But I got into this one because it's like it's pretty conservative.
Like it's it's holdings are pretty conservative. Like what it what it lends out to what it buys and what it rents out to. So for a retirement account, it is what it is.
ADM, we brought we said we just bought into that one. It's OK. It's a dividend grower.
So like but like it's like like we got it and then it had an earnings report and earnings like it shot down. Oh, another one of those. So we lost a lot of principal.
I want to say four or five dollars in print like in principal price. Nice. But I again, this is probably because it's grown as dividend 50 some years in a row.
This is probably just hold it till her mom dies because it's going to grow that. We have no dividend payouts whatsoever because we just bought it at the end of January. I'll be it.
We'll be able to know like what's going on next quarter. Yeah. THTA, we talked about so much.
Yeah. So much like a man crush on this one. Hardcore.
I like it. I like what it does. Sounds like a superhero.
THTA. Yeah. If you didn't know, it's a SoFi ETF.
Oh, is it a SoFi? Yeah. Nice. So a SoFi ETF that the whole its whole purpose is to maintain your your capital balance as it is and just pay you a healthy yield on their options on the S&P 500.
I think this is a genius way to do freaking treasuries with the options trade component like this is this. So basically how they how they fund their options is they back up their collateral as holding those shitload of treasuries. Very nice.
It doesn't really move very much. So that's why it's a $20 buy. We only have that.
We made 50 bucks in it because when we put it in there, we usually deploy the capital. Oh, this one. We've had a lot of stuff drop off a cliff.
We're just like scoop. In and out, in and out, in and out. So like this is.
By the dip, by the dip. It is. That's because when I was doing your taxes, there's a whole bunch that like one of the capital wash sale rules.
And it was all THTA. Because then we get in and get out. He'd sell, he'd buy, he'd sell, he'd buy.
That's what I held. I held my money in that and bullet shares to buy my bike. I just can't like I wanted a $3,000 bike.
So every time I had money, I put like $500, $200, $300, whatever into either THTA or into bullet shares in my SoFi brokerage. And when it came time to buy the bike, I literally just liquidated $3,000 worth of what I held and transferred over to my checking in there. Well, we put it on my credit card.
We got cash back on it. And then we just paid off the credit card the next time. That's how you buy big purchases.
I'm not saying I'm the smartest guy, but that's how you buy big purchases. You basically put your money into a high yield savings type thing. You use your credit card for the points and then you pay off the credit card with your by liquidating your shares.
That's what I like about THTA. It's really liquid. So like bullet shares and THTA both have that going on where you can like any day you can just sell them.
You can sell your shares. There's probably better price movement ones where they don't move at all and they have a pretty decent yield, but their liquidity is not super good. So if you wanted to sell, you'd have to sell it again.
What are people willing to buy? And if there's only like 5,000 people trading in a day, that's very difficult to reach a good buy or a good sell price. UPS, everyone knows what UPS is. Did you just skip Skyworks? Oh, Skyworks.
We talked about Skyworks. It's the chip one. This one, again, should be like in the $90 to $100 range.
It's vastly undervalued. I mean, we did just buy this thing like beginning of February and 4.37% yield. We got it around 6%.
No payouts as of yet. Like it went down so much. But Tim skipped it.
I was going to yell at him. UPS, everyone knows UPS. Again, this one went down a lot.
You see the yield was like 5.5%. This one normally yields like 3% to 4%. So it's vastly, there's a great deviation from where it normally is to this yield here. So you can do it like that.
If you're not familiar, like if you know what a company's normal yield is, like say you've been looking at a stock for three, four, or five years, and its yield has been between like say 3% and 4%. And then there comes a time like a couple of weeks where you're on vacation or whatever, or you're not paying attention to the market. You come back and you see that it's yielding 6%.
That's a huge red flag to buy. That's an indicator that either it raised its dividend a whole lot, or it dropped off a cliff and now it's completely undervalued. Yeah, that's really good.
Because a dividend magnet, especially for those like Aristocrats, Kings and all those, dividend magnet, they always go up. So buy those suckers under price because that's how you lock in super. The problem with this one is it's so pricey that I don't have like thousands of dollars laying around so I'm only able to get $26 a quarter and it only gets me like... I love that we call the hundred some dollars stocks pricey because we get into like the 20, 16. Then the last one is the REX API. It's awesome because like I said it yields between 30 and 40 depending on the month.
Last month was super bad. This month's turning out to be super bad. So yeah, last month was the worst month they've had.
But the share price should be back up in the 40, probably the $50 range by the end of the year because they the companies they're holding are awesome. Yeah, it's just a matter of the market. It does pay out a pretty decent amount.
Like you see that $80, $89, $86, $81. I think I have $4,000 in this one. Yeah, that's a good chunk of change every month for not that much money.
$2.57 for last year. So then we got that. Then we got our bonds here.
We got the cigarette one, Altria. We got the Mylon one which is another pharmaceutical company. Then we got the Nine Energy Bond which is like a junk bond oil company that yields like 13%.
And remember bonds pay like twice a year. So two of these, the Altira Mo one and Mylon didn't pay at all during this quarter but the Nine Bond. So I have $2,000 in Altria, $2,000 in Mylon, $2,000 in Nine Energy.
But that doesn't mean I spent $2,000. I got them all for probably $5,000 between the three of them. So I saved like maybe even $4,500.
I saved a lot of money on these. Yeah, Tim doesn't buy bonds unless they're really undervalued. Yeah, you have to like hunt for them.
Like if you guys are interested in that, let me know and I can show you how to hunt for like ridiculously undervalued bonds. I think we should do like a mini freaking masterclass on that. It's so annoying.
It's so time consuming. But when you find one, you're like, holy shit, I must have that. So there's that.
You see we made $1,838 in December which was less than we made in September. Do you want me to go back to the same? We made $1,926 in September. If you break that down, September should be the December.
So we made like $100 less in December than we did in September. But then there was a bunch of shit that went down. Yeah, you did.
You did switch stuff out. So then January's came out to be... January we went $1,360. And the October one was $1,050.
So we made about $310 more. And then November one was $1,630. And we only made $1,404.
But you have to remember we have $400 some dollars in dividends that aren't there because it's crazy shit. Because February did that weird thing. We're going to have a lot more.
So we will like, I guess, bring that up when we do next quarters to see what that average is down at. I'm curious to see if they do this going forward because I don't remember this happening in past years. So we got $4,600 for the quarter and $17,000 for the year.
And the portfolio value for this currently right now is $173,500-ish. So we're getting our dividend yield is like... Yeah, 10.6% on just dividends. On a super conservative portfolio.
Do you see there's not a lot of risk associated with this And that doesn't include price appreciation. Yeah, so... So that's just dividend payouts. So that's that.
And if you look over here, we accumulated 605 shares this last year. And this is the type of stuff you should be looking at, not your portfolio value because that portfolio value is all over the place, especially if we're going to do a recession. You want to focus on your dividend payouts increasing and you want to focus on your quantity of shares going up.
If you look at those two metrics, you will not panic. And if you look at them while the markets are going down and you're drips on, you're going to see the exponential growth of those trackings and you're going to get excited. And that is the whole point of this dividend approach.
So my plan for this portfolio is to actually get it up to like $2,000 a month here in the near future. So her mom will have $2,000 a month so she can do... Plus for like $1,500 a month in her social security disability. And she has like however much and worthy that she can track that.
And then if crypto ever turns around, she's going to be a millionaire. Crypto like, okay, so that's a quick housekeeping thing. If you're in crypto, do not sell.
The whole purpose of the media right now is to scare you to sell so that the rich people... They're literally trying to... They can pick up the assets that you would sell because they know they're worth a lot more. If you see stuff talking about weak hands, that's what they're talking about. They're trying to push the people out that are going to panic so that they can get deals, the hedge funds, probably Trump himself, the freaking reserve, whatever the hell.
Because if you notice, if you watch the media, they're not talking about like the alt coins that no one knows about. They're talking about the ones that everyone knows about like Bitcoin, Ethereum, Solana, Ripple, Cardano, things like that. They want you to sell them because they know that the cryptocurrency reserve is going to hold Bitcoin, Ethereum, Cardano, Solana, Ripple.
So they want you to sell those. So they can pick them up because they know when as soon as this stuff starts turning around with the reserve, these are all going to go up in price. So they can get people to sell them scared right now.
They're going to make a shit ton of money off of your fear. Yep. So don't listen to the media.
And the crypto should be stuff that it doesn't matter if you lose anyway. So just like turn it off, put it away and look at it like three or four months. Yep.
Don't even worry about it because everything will turn around at some point. Go back to the... I have the... For everything, we made $17,071 the last 12 months in dividends from February 24th to February 25th. Which is ridiculous for a conservative portfolio.
And if the... I did the average for what we just did and it came out to be like $1,534 a month. And if we project that forward for a year, that would actually bump her up to $18,400 for the year, which is more than that. Math.
Not that you care. Okay. I know not that you care.
From February 24th to February 25th, the portfolio itself increased by $24,741. That means that 70% of our gains from this portfolio were from dividends. Oh my God.
So it was 10%, 10.6% in dividend return on the portfolio value that we're currently at. Oh my God. So what this basically, if you break down the math, this means we added $13,770 to our portfolio without spending a cent.
We didn't add any additional money to this. So that's how much was actually added to this portfolio through the power of compounding. That's insane.
That's an additional 16.6% of growth plus 10.6% dividend payout. Does that add on to that? Is that how that works? I just went with the dividends we collected was that much. That's how much the account went up by.
So that means the account itself only increased by like $7,000. That means that $17,000 of that was because of dividends. Oh, okay.
Okay. Okay. Now I get it.
So no, my numbers are not right. But Jesus, that's freaking awesome. Once you start getting the ball rolling and you start adding $13,000, $15,000, $18,000 to your portfolio without actually having to contribute anything other than just making sure that shit's not falling off, the wheels aren't falling off some of your investments, it's crazy how much fun it is.
Even on weeks where the market's down, I don't know, say 5%. I don't know. Hypothetically, if the market's down like 5% in a crazy week because we have crazy people doing stuff.
Oh yeah. Our portfolio was down 15 grand in the last two, three weeks. It doesn't like, just knowing that... On $100,000.
We haven't added, like with the van life portfolio, we've only put in like less than $70,000. Don't tease that one. Tease that one.
You'll see on the next one. It's a lot because this is our conservative... $70,000 that we put into it. $74,500.
But what is so freaking fascinating about this is it took us about three years to actually get into this groove of things to get to the point of like this level of like awesome recompounding and growing and everything. If you can now implement the strategy and all the extra accelerators that we've figured out recently, you can probably reach that in half the time. And then if you actually do the side gig hustle to dump more money in to get the ball rolling faster, dude, you can probably retire, early retire in five years, depending how much you're putting in.
Depending on how much you need to literally retirement. Like if you retire like we do, you could probably retire in less than five years. If you retire like normal people where you need to pay your normal bills, looking at 17 years maybe.
It really just depends. But that's way better than 30 to 40. I just pulled out of my asshole the 17.
We should do the math on that at some point. We will. Next week is the Van Left Portfolio.
Which is going to be sham wow for payouts. And again, we got screwed for some February ones and we're still sham wow. Nah, we were.
It's February, kind of weak, but we'll... If you haven't subscribed for the email, the email gives you the top 10 chart where you can find most of the stuff that I find and put in the portfolios. I literally... Yeah, like if you don't want to do everything we talked about in last week's episode, sign up for the emails. Tim gives you the chart.
You get 10 things to pick from every week. Every week. And they're already valued.
Yep. He's already done like the hours of research it takes to get there. See you next week, y'all.