Saturday, January 30, 2016

January 2016 Results


January 2016 Results
Present Plan:
Typically, contribute $500 a month to the portfolio, aiming for total returns of 8% YoY, with increasing dividend income. 
At present, my model portfolio in pretty much in place and the only remaining positions I wish to eliminate is ATRS.  
Note: 401k loan initiated to purchase/renovate a new home for our growing family - contributions will resume early March after my 1 year anniversary at my new employer (match eligible)
All dividends are currently being reinvested back into the companies paying the dividend. New cash will be used to add to positions or create new ones at $1k increments.
===========================================================
Current Month-end Watchlist:
I will be considering the following purchases in February 2016…
Div Growth: EPD, PM, GIS, WMT
Growth:  SBUX
IRAs: fully invested
===========================================================
DIVIDEND and PERFORMANCE Highlights:
Portfolio was down (-0.6%) in January outperforming the S&P by 4.5% 
Total dividends for January are $160.01, down (-6.1%) YoY.  
Total dividends for 2016 are $160.01, down (-6.1%) YoY from last year 
Monthly Dividend Raises
OHI increase of 1.8% from 0.56/qtr to 0.57/qtr (Jan 14th)
O increase of 3.9% from 0.19/mo to 0.195/qtr (Jan 14th)
LNT increase of 6.8% from 0.55/qtr to 0.5875/qtr (Jan 15th)
D increase of 8.1% from 0.6475/qtr to 0.70/qtr (Jan 21st)
MMP increase of 3.0% from 0.7625/qtr to 0.785/qtr (Jan 26th)
SXL increase of 4.6% from 0.458/qtr to 0.479/qtr (Jan 28th)
YTD Dividend Raises 
The dividend raises for 2016 to date are listed below.  The average YTD was 4.7%.

OHI increase of 1.8% from 0.56/qtr to 0.57/qtr (Jan 14th)
O increase of 3.9% from 0.19/mo to 0.195/qtr (Jan 14th)
LNT increase of 6.8% from 0.55/qtr to 0.5875/qtr (Jan 15th)
D increase of 8.1% from 0.6475/qtr to 0.70/qtr (Jan 21st)
MMP increase of 3.0% from 0.7625/qtr to 0.785/qtr (Jan 26th)
SXL increase of 4.6% from 0.458/qtr to 0.479/qtr (Jan 28th)
==============================================================
JANUARY 2016 DIVIDENDS RECEIVED: 
TAXABLE ACCOUNT:          (Amount)     (Dividends Reinvested)
Walmart (WMT) ………..…  $23.99…… bot 0.389 shs 
Philip Morris (PM) ……….    $40.22…… bot 0.459 shs 
Xcel Energy (XEL) ……….   $38.48…… bot 1.051 shs 
Lexington Realty (LXP) ….…$37.31…… bot 4.978 shs 
ROTH IRA:                         (Amount)    (Dividends Reinvested)
Realty Income (O)  ...……    $20.01……  bot 0.383 shs
===========================================================
DIVIDEND PORTFOLIO HOLDINGS:
Symbol ….. Shares ... Mkt Value ... Total Divs… Gain/Loss 
AAPL ……. 40.63 .…  3,954.54 ….  213.38 ……   52.9%
T     ……..  113.54 …. 4,094.36 .….  693.81 ……. 42.2%
LNT ……..  68.25 ..…. 4,459.46 …..  74.03   ……. 12.2%
CVX …….. 42.52 ..…. 3,676.96 ….. 479.02 …….. (-5.2%)
CSX ……..156.94 ....  3,612.80 ….   353.67 …….. 19.3%
D (T) ..….  58.00 .….. 4,185.86 …...   0.00………   5.5%
EMR ……. 35.99 .….. 1,654.68 …..  49.96  …….. (-15.2%)
IBM   ……. 13.34 .….. 1,664.95 …..  86.32 ….…. (-25.9%)
JNJ   ……  43.81 .……4,575.73 …..  79.96 ….….   7.3%
KMI (IRA)..184.30 .…..3,031.65 ….. 258.09 ….….(-40.4%)
KO   …….. 100.19 .….4,300.11 …..  246.79 …...   15.5%
MMP ……..66.63 ….   4,279.64 …..   42.30 ……… 3.0%
MAT …….. 75.36 ….   2,079.21 …..  492.68 …...   43.4%
MCD …….. 40.00 .….. 4,950.70 ….  721.03 ……. 120.8%
PFE …….. 121.00 .…. 3,689.20 ….  595.08 …….  91.1%
PM   …….. 39.89 .….. 3,590.32 ….  497.29 …….. 33.7%
PG   …….. 50.27 .…..  4,106.80 ….. 98.27 ………  0.6%
O (IRA) .... 105.16 .…. 5,866.93 ….. 291.15 …….. 32.7%
OHI (T)…..  58.00 .….. 1,839.18 …..  0.00  …….. (-9.9%)
SO (T)..….. 91.00 .….. 4,451.72 …..  0.00  ……..   3.6%
SXL   ……. 94.50 .….. 2,104.49 …..  47.79  …… (-29.7%)
UNP   ……. 28.00 .….. 2,016.00 …..  0.00  ……   (-1.7%)
VTR (T)….. 42.00 .….. 2,323.44 …..  0.00  …….  (-1.4%)
VZ (T) …..  68.00 .….. 3,397.96 …..  0.00  ……..   7.5%
WMT ……. 49.36 .….. 3,275.33 ….  443.35 …….. 41.6%
XEL …….. 121.31 .…  4,636.32 ….. 292.54  ……..36.9%
 ---------------------------------------------------------------------------------------
Dividend Account Value …………....... $91,818.36
GROWTH HOLDINGS:
Symbol ...... Shares …... Mkt Value ….. Divs….      Gain/Loss 
ATRS …..…  2000.00  ..... 2,460.00 .…     0   ……. (-68.2%)
GILD  …..…   22.00  ......  1,826.00 .…     0   ……. (-15.2%)
HTZ call  ….   3.00  ......      360.00 .….     0   ……. (-52.0%)
PSTI  …..…   400.00  …..  352.00  .....      0     .….  (-71.9%)
MA    ……..    23.07 .…..  2,054.28 …...   7.37…….   0.5%
LXP   ……..   273.44 .….. 2,004.34 …... 109.62 …. (-12.0%)
PCLN  …..…  1.00  .......   1,064.97 .…     0   …….  (-8.2%)
STAG……..   112.00 .….. 1,896.16 …...    0 …….   (-10.1%)
 ---------------------------------------------------------------------------------------
Growth Account Value ………………... $12,017.75
 ---------------------------------------------------------------------------------------
CASH ….………………………….….… $2,230.47
 ---------------------------------------------------------------------------------------
Trading and IRA Account Value ...... $106,066.58
=======================================================
401K Plan - I have stopped contributions as my new firm doesn't match my 401k until I have been with them for a full year.  I will resume contributions in mid-February 2016
Actual Allocations
Target Retirement 22%
Fixed Income 0%
US Equity 48% 
International Equity 30% (incl. 10% global REITs)
---------------------------------------------------------------------------------
401K Account Value …......................  $85,618.95
               [O/S 401K Loan balance………………. (-$49,010.65)]
-------------------------------------------------------------------------------
Total Portfolio Value ………........     $191,685.53
=========================================================
SOLD POSITIONS - REALIZED GAINS/LOSSES  (year to date 2016):
DIVIDEND GROWTH
Company ….. Date ..... Gain/Loss ……G/L %....... Reason/Result
 - none to date -
GROWTH and SPECULATIVE
Company ….. Date ..... Gain/Loss ……G/L %....... Reason/Result
 - none to date -
------------------------------------------------------------------------------
Total Cash Gains for 2016 ……………   $0.00
Total Cash Gains for 2015 ……………...  $3,455.39
Total Cash Gains for 2014 ……………… $2,156.38
Total Cash Gains for 2013 …………….... $3,064.31  (restated: previously all gains prior to 12/31/13)
Total Cash Gains for 2012 ……………....   $269.67 

Friday, January 1, 2016

December 2015 Results


December 2015 Results
Year in Review
2015 was quite a year - another year of negative performance due to a failure to cut losses in biotech stocks in Q1.  My largest position is not a point where I will hold or use for offsetting tax gains.  Additionally, one of my second largest positions, KMI has fallen almost 50% due to a poor timed acquisition which put their credit rating at risk.  The huge dividend cut didn't help either.

Early in the year I took out about $6k to fund some home renovations given we have a new baby on the way due any day now.  I hope to pay that back with my bonus in February 2016.  I took a pension payout from my old employer and rolled it into a traditional IRA in December.   The $18k will help generate another $900 in dividends next year.

Lessons learned - take gains on speculative stocks, and cut losses early.  I was able to take profits on SCRC, GILD and AAPL (an overweight position in my growth bucket) and cut losses on HTZ due to my previous failures to cut losses on biotechs in the prior two years.

For 2016, I plan to add a few fast growing dividend payers (e.g. SBUX) that have yields of 1.5% or more and have growth the dividend by 15%+ over the prior 1 and 3 year periods.  I'll also add to existing holdings which are underweight.  I agree with Josh Peters most recent comment about returns coming from stated yields and less from dividend growth and capital appreciation.  I want to add some high growth tech exposure, but I feel valuations are pretty rich at present.  This year will hopefully be one of moderate dividend growth and principal protection.

Present Plan:
Typically, contribute $500 a month to the portfolio, aiming for total returns of 8% YoY, with increasing dividend income. 
At present, my model portfolio in pretty much in place and the only remaining positions I wish to eliminate is ATRS.  
Note: 401k loan initiated to purchase/renovate a new home for our growing family (soon to be 4 of us) - contributions on hold
All dividends are currently being reinvested back into the companies paying the dividend. New cash will be used to add to positions or create new ones at $1k increments.
===========================================================
Current Month-end Watchlist:
I will be considering the following purchases in January 2016…
Div Growth: EPD, PG, PM, GIS, WMT
Growth:  SBUX, FB
IRAs: VTR in traditional IRA
===========================================================
DIVIDEND and PERFORMANCE Highlights:
Portfolio was down (-0.9%) in December outperforming the S&P by 0.8% 
Total dividends for December are $361.70, up 41.6% YoY.  
Total dividends for 2015 are $3,134.74, up 15.5% YoY from last year 
Monthly Dividend Raises
MA increase of 18.8% from 0.16/qtr to 0.19/qtr (Dec 8th)
KMI decrease of (-75%) from 0.51/qtr to 0.125/qtr (Dec 8th)
PFE increase of 7.1% from 0.28/qtr to 0.30/qtr (Dec 15th)
YTD Dividend Raises
The dividend raises for 2015 to date are listed below.  The average was 4.8% (8.3% w/o KMI cut).
O increase of 3.0% from 0.18342/mo to 0.189/mo (January 20th)
KMI increase of 2.3% from 0.44/qtr to 0.45/qtr (January 21st)
XEL increase of 6.7% from 0.30/qtr to 0.32/qtr (February 18th)
KO increase of 8.2% from 0.305/qtr to 0.33/qtr (February 19th)
SCG increase of 3.8% from 0.525/qtr to 0.545/qtr (February 19th)
WMT increase of 2.1% from 0.48/qtr to 0.49/qtr (February 19th)
QCOM increase of 14.3% from 0.42/qtr to 0.48/qtr (March 9th)
O increase of 0.3% from 0.189/mo to 0.1895/mo, total 3.3% YTD (March 11th)
CSX increase of 12.5% from 0.16/qtr to 0.18/qtr (April 14th)
KMI increase of 6.7% from 0.45/qtr to 0.48/qtr, total 9.1% YTD (April 15th)
PG increase of 3.0% from 0.6436/qtr to 0.6629/qtr (April 16th)
SO increase of 3.3% from 0.525/qtr to 0.5425/qtr (April 20th)
JNJ increase of 7.1% from 0.70/qtr to 0.75/qtr (April 23rd)
AAPL increase of 10.6% from 0.47/qtr to 0.52/qtr (April 27th)
IBM increase of 18.2% from 1.10/qtr to 1.30/qtr (April 28th)
O increase of 0.3% from 0.189/mo to 0.190/mo, total 3.8% YTD (June 17th)
OHI increase of 0.3% from 0.54/qtr to 0.55/qtr, total 7.4% YTD (July 15th)
KMI increase of 2.1% from 0.48/qtr to 0.49/qtr, total 12.4% YTD (July 15th)
SXL increase of 4.5% from 0.419/qtr to 0.438/qtr, total 18.5% YTD (July 23rd)
MMP increase of 3.0% from 0.7175/qtr to 0.74/qtr, total 15.7% YTD (July 23rd)
VZ increase of 2.7% from 0.55/qtr to 0.565/qtr (Sept 3rd)
O increase of 0.3% from 0.1900/mo to 0.1905/mo, total 4.0% YTD (Sept 10th)
PM increase of 2.0% from 1.00/qtr to 1.02/qtr (Sept 15th)
OHI increase of 1.8% from 0.55/qtr to 0.56/qtr, total 7.9% YTD (Oct 14th)
SXL increase of 4.6% from 0.438/qtr to 0.458/qtr, total 19.9% YTD (Oct 20th)
KMI increase of 4.1% from 0.49/qtr to 0.51/qtr, total 13.5% YTD (Oct 21st)
MMP increase of 3.0% from 0.74/qtr to 0.7625/qtr, total 16.6% YTD (Oct 22nd)
EMR increase of 1.1% from 0.47/qtr to 0.475/qtr (Nov 3rd)
MCD increase of 4.7% from 0.85/qtr to 0.89/qtr (Nov 10th)
MA increase of 18.8% from 0.16/qtr to 0.19/qtr (Dec 8th)
KMI decrease of (-75%) from 0.51/qtr to 0.125/qtr (Dec 8th)
PFE increase of 7.1% from 0.28/qtr to 0.30/qtr (Dec 15th)
T increase of 2.1% from 0.47/qtr to 0.48/qtr (Dec 18th)
==============================================================
DECEMBER 2015 DIVIDENDS RECEIVED: 
TAXABLE ACCOUNT:          (Amount)     (Dividends Reinvested)
Pfizer Inc (PFE) ………..…  $33.59…… bot 1.021 shs 
Southern Co (SO) ……….    $48.96…… bot 1.091 shs 
Johnson & Johnson (JNJ) …$26.66…… bot 0.264 shs 
IBM Corp (IBM) …………    $17.18…… bot 0.123 shs 
Emerson Elec (EMR) ………$16.93…… bot 0.348 shs 
Chevron Corp (CVX)…….... $44.95…… bot 0.518 shs 
Mattel Inc (MAT) …………. . $28.22…… bot 1.106 shs 
McDonalds Corp (MCD) ..… $35.33…… bot 0.404 shs 
Ccca Cola (KO) ….…......    $32.81…… bot 0.766 shs 
CSX Corp (CSX) ……......   $28.05…… bot 1.128 shs 
Dominion Resources (D) …. $29.41…… bot 0.440 shs 
ROTH IRA:                         (Amount)    (Dividends Reinvested)
Realty Income (O)  ...……    $19.88…… bot 0.404 shs
===========================================================
DIVIDEND PORTFOLIO HOLDINGS:
Symbol ….. Shares ... Mkt Value ... Total Divs… Gain/Loss 
AAPL ……. 40.63 .…  4,276.30 ….  213.38 ……   64.7%
T     ……..  113.54 …. 3,907.01 .….  693.81 ……. 36.6%
LNT ……..  68.25 ..…. 4,262.21 …..  74.03   ……. 7.3%
CVX …….. 42.52 ..…. 3,825.37 ….. 479.02 …….. (-1.9%)
CSX ……..156.94 ....  4,072.64 ….   353.67 …….. 33.2%
D  ...…….  58.00 .….. 3,923.12 …...   0.00……… (-1.1%)
EMR ……. 35.99 .….. 1,721.26 …..  49.96  …….. (-11.9%)
IBM   ……. 13.34 .….. 1,836.13 …..  86.32 ….…. (-18.6%)
JNJ   ……  35.81 .…...3,678.61 …..  79.96 ….….   5.6%
KMI (IRA)..184.30 .…..2,749.68 ….. 258.09 ….….(-45.5%)
KO   …….. 100.19 .….4,304.12 …..  246.79 …...   15.7%
MMP ……..66.63 ….   4,525.51 …..   42.30 ……… 8.9%
MAT …….. 75.36 ….   2,047.56 …..  492.68 …...   41.6%
MCD …….. 40.00 .….. 4,725.13 ….  721.03 ……. 112.0%
PFE …….. 121.00 .…. 3,905.78 ….  595.08 ……. 100.7%
PM   …….. 39.43 .….. 3,466.20 ….  457.08 …….. 30.0%
PG   …….. 50.27 .…..  3,992.18 ….. 98.27 ……...(-2.1%)
O (IRA) .... 104.78 .…. 5,409.69 ….. 271.14 …….. 23.0%
OHI…..…..  58.00 .….. 2,028.84 …..  0.00  …….. (-0.7%)
SO   …….. 91.00 .…..  4,257.89 …..  0.00  …….. (-0.9%)
SXL   ……. 54.50 .….. 1,400.62 …..  47.79  …… (-29.7%)
VZ   ……..  68.00 .….. 3,143.96 …..  0.00  …….. (-0.6%)
WMT ……. 48.97 .….. 3,001.74 ….  418.93 …….. 33.8%
XEL …….. 120.26 .…  4,318.36 ….. 254.06  …….. 28.4%
 ---------------------------------------------------------------------------------------
Dividend Account Value …………....... $84,778.92
GROWTH HOLDINGS:
Symbol ...... Shares …... Mkt Value ….. Divs….      Gain/Loss 
ATRS …..…  2000.00  ..... 2,420.00 .…     0   ……. (-68.7%)
PSTI  …..…   400.00  …..  452.00  .....      0     .….  (-64.0%)
MA    ……..    23.07 .…..  2,246.48 …...   7.37…….  9.8%
LXP   ……..   208.47 .….. 1,667.73 …...  72.30 ….  (-7.9%)
STAG……..   112.00 .….. 2,066.40 …...    0 …….    (-2.1%)
 ---------------------------------------------------------------------------------------
Growth Account Value ………………... $8,852.61
 ---------------------------------------------------------------------------------------
CASH ….………………………….….… $12,618.37
 ---------------------------------------------------------------------------------------
Trading and IRA Account Value ......  $106,249.90
=======================================================
401K Plan - I have stopped contributions as my new firm doesn't match my 401k until I have been with them for a full year.  I will resume contributions in mid-February 2016
Actual Allocations
Target Retirement 22%
Fixed Income 0%
US Equity 48% 
International Equity 30% (incl. 10% global REITs)
---------------------------------------------------------------------------------
401K Account Value …......................  $91,358.82
               [O/S 401K Loan balance………………. (-$49,135.74)]
-------------------------------------------------------------------------------
Total Portfolio Value ………........   $197,608.72
=========================================================
SOLD POSITIONS - REALIZED GAINS/LOSSES (calendar year 2015):
DIVIDEND GROWTH
Company ….. Date ..... Gain/Loss ……G/L %....... Reason/Result
D   .……..   12/30/15 ….   32.07  ..…..   1.0%….  Rolled into Trad IRA 
OHI  .……..12/30/15 ….  17.83 ……..    0.9% …. Rolled into Trad IRA 
SO   ……..  12/30/15 …. 747.93   ..……19.2%…. Rolled into Trad IRA
VZ   ……..   11/10/15 ….   3.28  ..…..    0.1%….  Move VZ to Trad IRA, add to O and KMI
QCOM……..11/17/15 ….(-186.95) ……(-8.2%)….Sold due to underperformance, realloacting cash
DE   ……..    9/8/15 ….    34.46   ..…… 1.6%….  Sold to w/d cash for home renovations
SCG ……..   7/15/15 ….  297.78   ..……8.5%….  Buying D higher div grwth, regional diversification
BAX ……..   6/22/15 ….   27.69   ..…... 1.4%….   Unhappy with post-spinoff co.'s dividend amts
MAT ……..   4/24/15 ….   602.48  ..….. 70.1%….  Will reallocate to another core position
HCP ……..   3/30/15 ….   114.08  ..…..  8.5%….    Will reallocate to O and KMI for full positions
OXY  ……..  2/18/15 ….   36.24  ..…..   2.0%….    Eliminating non-major oil names
CRC   …….. 2/18/15 ….    5.28  ..…..  (-8.8%)….  Eliminating sub-$100 position, OXY spinoff
VZ   ……..    1/13/15 ….   41.63  ..…..   1.3%….    Moved VZ into Roth IRA
GROWTH and SPECULATIVE
Company ….. Date ..... Gain/Loss ……G/L %....... Reason/Result
AMRN...……12/29/15 ….(471.95) ..….(-71.3%) ….Sold for tax loss harvesting
GILD ...…… 9/16/15  ….  218.20 ..….  10.6% ….  Sold to w/d cash for home renovations
HTZ call…… 9/15/15  …. (-69.00) ..….(-6.5%) ….  Sold to w/d cash for home renovations
AAPL  ……  6/24/15  …. 1,356.18..….. 74.3% ….  Eliminating AAPL growth position, buying MLP
ATRS  ……  2/20/15 ….(-962.65) .…. (-12.0%)….  Covered call assigned @ 2.50, .40c premium
AAPL  ……  2/13/15  …. 1,320.41..….. 101.2%….  Reducing name which is over 10% of portfolio
SCRC ……  3/26/15  ….  122.00  ..…..  26.7%….   Sold balance of spec position to 0
SCRC ……  1/12/15  ….  168.40  ..…..  26.6%….   Taking gains on half of spec position
------------------------------------------------------------------------------
Total Cash Gains 2015 …………..…..    $3,286.99
Total Cash Gains for 2014 ……………… $2,156.38
Total Cash Gains for 2013 …………….... $3,064.31  (restated: previously all gains prior to 12/31/13)
Total Cash Gains for 2012 ……………....   $269.67 

Thursday, December 3, 2015

November 2015 Results

November 2015 Results
Present Plan:
Typically, contribute $280 every 2 weeks to the portfolio, aiming for total returns of 10% YoY, with increasing dividend income. 
At present, my model portfolio in pretty much in place and the only remaining positions I wish to eliminate are ATRS and AMRN.  
Note: 401k loan initiated to purchase/renovate a new home for our growing family (soon to be 4 of us) - contributions on hold
 
All dividends are currently being reinvested back into the companies paying the dividend. New cash will be used to add to positions or create new ones at $1k increments.
 
===========================================================
Current Month-end Watchlist:
Based on a Pension lumpsum, I will be considering the following purchases in December 2015…
Div Growth: moving D, SO, OHI to IRA - considering MMP, PG, PM, GIS, WMT
Growth:  none at this time
IRAs: D, SO, OHI, VZ and VTR in traditional IRA
 
===========================================================
DIVIDEND and PERFORMANCE Highlights:
Portfolio was down (-0.9%) in November underperforming the S&P by (-0.9%) 
Total dividends for November are $283.34, up 66.3% YoY.  
Total dividends for 2015 are $2,770.04, up 19.1% YoY from last year 
Monthly Dividend Raises
EMR increase of 1.1% from 0.47/qtr to 0.475/qtr (Nov 3rd)
YTD Dividend Raises - 
The dividend raises for 2015 to date are listed below.  The average is 8.3%.
O increase of 3.0% from 0.18342/mo to 0.189/mo (January 20th)
KMI increase of 2.3% from 0.44/qtr to 0.45/qtr (January 21st)
XEL increase of 6.7% from 0.30/qtr to 0.32/qtr (February 18th)
KO increase of 8.2% from 0.305/qtr to 0.33/qtr (February 19th)
SCG increase of 3.8% from 0.525/qtr to 0.545/qtr (February 19th)
WMT increase of 2.1% from 0.48/qtr to 0.49/qtr (February 19th)
QCOM increase of 14.3% from 0.42/qtr to 0.48/qtr (March 9th)
O increase of 0.3% from 0.189/mo to 0.1895/mo, total 3.3% YTD (March 11th)
CSX increase of 12.5% from 0.16/qtr to 0.18/qtr (April 14th)
KMI increase of 6.7% from 0.45/qtr to 0.48/qtr, total 9.1% YTD (April 15th)
PG increase of 3.0% from 0.6436/qtr to 0.6629/qtr (April 16th)
SO increase of 3.3% from 0.525/qtr to 0.5425/qtr (April 20th)
JNJ increase of 7.1% from 0.70/qtr to 0.75/qtr (April 23rd)
AAPL increase of 10.6% from 0.47/qtr to 0.52/qtr (April 27th)
IBM increase of 18.2% from 1.10/qtr to 1.30/qtr (April 28th)
O increase of 0.3% from 0.189/mo to 0.190/mo, total 3.8% YTD (June 17th)
OHI increase of 0.3% from 0.54/qtr to 0.55/qtr, total 7.4% YTD (July 15th)
KMI increase of 2.1% from 0.48/qtr to 0.49/qtr, total 12.4% YTD (July 15th)
SXL increase of 4.5% from 0.419/qtr to 0.438/qtr, total 18.5% YTD (July 23rd)
MMP increase of 3.0% from 0.7175/qtr to 0.74/qtr, total 15.7% YTD (July 23rd)
VZ increase of 2.7% from 0.55/qtr to 0.565/qtr (Sept 3rd)
O increase of 0.3% from 0.1900/mo to 0.1905/mo, total 4.0% YTD (Sept 10th)
PM increase of 2.0% from 1.00/qtr to 1.02/qtr (Sept 15th)
OHI increase of 1.8% from 0.55/qtr to 0.56/qtr, total 7.9% YTD (Oct 14th)
SXL increase of 4.6% from 0.438/qtr to 0.458/qtr, total 19.9% YTD (Oct 20th)
KMI increase of 4.1% from 0.49/qtr to 0.51/qtr, total 13.5% YTD (Oct 21st)
MMP increase of 3.0% from 0.74/qtr to 0.7625/qtr, total 16.6% YTD (Oct 22nd)
EMR increase of 1.1% from 0.47/qtr to 0.475/qtr (Nov 3rd)
==============================================================
NOVEMBER 2015 DIVIDENDS RECEIVED: 
TAXABLE ACCOUNT:          (Amount)     (Dividends Reinvested)
AT&T (T) ………..…………   $52.63…… bot 1.571 shs 
Verizon Corp (VZ) ……….    $43.34…… bot 0.930 shs 
Mastercard (MA) ………..     $3.69……   bot 0.037 shs 
Apple Inc (AAPL) ………..    $21.03…… bot 0.180 shs 
Sunoco Logistics (SXL) ……$24.58…… bot 0.839 shs 
Magellan Midstream (MMP).. $21.58…… bot 0.325 shs 
Alliant Energy (LNT) ...……  $37.18…… bot 0.645 shs 
Proctor & Gamble (PG) ..…  $33.04…… bot 0.434 shs 
Omega Healthcare (OHI) …. $31.59…… bot 0.972 shs 
ROTH IRA:                         (Amount)    (Dividends Reinvested)
Realty Income (O)  ...……      $14.68…… bot 0.311 shs
Kinder Morgan Inc (KMI) …. $49.65…… bot 1.948 shs
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DIVIDEND PORTFOLIO HOLDINGS:
Symbol ….. Shares ... Mkt Value ... Total Divs… Gain/Loss 
AAPL ……. 40.63 .…  4,806.07 ….  213.38 ……   84.1%
T     ……..  113.54 …. 3,822.99 .….  693.81 ……. 34.2%
LNT ……..  68.25 ..…. 4,107.97 …..  74.03   ……. 3.5%
CVX …….. 42.01 ..…. 3,835.90 ….. 434.08 …….. (-1.6%)
CSX ……..155.81 ....  4,429.79 ….   325.62 …….. 44.3%
D  ...…….  45.42 .….. 3,060.21 …... 29.14  ……… (-1.4%)
EMR ……. 35.64 .….. 1,781.95 …..  33.03  …….. (-8.9%)
IBM   ……. 13.22 .….. 1,842.99 …..  69.13 ….…. (-18.5%)
JNJ   ……  35.55 .…...3,598.88 …..  52.70 ….….   3.4%
KMI (IRA)..184.30 .…..4,343.83 ….. 258.09 ….…. (-16.6%)
KO   …….. 99.42 .….. 4,237.41 …..  213.99 …...   14.1%
MMP ……..28.63 ….   1,790.23 …..   42.30 ……...(-11.4%)
MAT …….. 74.26 ….   1,845.98 …..  464.46 …...   30.9%
MCD …….. 39.69 .….. 4,531.47 ….  685.72 ……. 105.9%
PFE …….. 119.97 .…. 3,931.45 ….  561.20 ……. 103.4%
PM   …….. 39.43 .….. 3,445.70 ….  457.08 …….. 29.4%
PG   …….. 50.27 .…..  3,762.43 ….. 98.27 ……...(-7.6%)
O (IRA) .... 104.37 .…. 5,179.04 ….. 251.26 …….. 18.1%
OHI…..…..  56.81 .….. 1,956.36 ….. 61.84  ……..(-1.3%)
SO   …….. 90.25 .…..  4,019.82 ….. 273.70 …….. 11.8%
SXL   ……. 54.50 .….. 1,518.89 …..  47.79  ……..(-24.0%)
WMT ……. 48.97 .….. 2,881.28 ….  418.93 …….. 29.1%
XEL …….. 120.26 .…  4,288.29 ….. 254.06  …….. 27.6%
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Dividend Account Value …………....... $79,018.94
GROWTH HOLDINGS:
Symbol ...... Shares …... Mkt Value ….. Divs….      Gain/Loss 
ATRS …..…  2500.00  ..... 3,275.00 .…     0   ……. (-66.2%)
AMRN …..…  100.00  .....   208.00   …..    0   ...…. (-67.8%)
PSTI  …..…   400.00  …..  556.00  .....      0     .…. (-55.7%)
MA    ……..    23.07 .…..  2,259.41 …...   7.37…….  10.5%
LXP   ……..   208.47 .….. 1,790.72 …...  72.30 …….(-1.4%)
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Growth Account Value ………………... $8,089.13
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CASH ….………………………….….… $2,220.66
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Trading and IRA Account Value ...... $89,328.73
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401K Plan - I have stopped contributions as my new firm doesn't match my 401k until I have been with them for a full year.  I will resume contributions in mid-February 2016
Actual Allocations
Target Retirement 20%
Fixed Income 0%
US Equity 50% 
International Equity 30% (incl. 10% global REITs)
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401K Account Value …......................  $92,866.33
               [O/S 401K Loan balance………………. (-$49,322.61)]
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Total Portfolio Value ………........ $182,195.06
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SOLD POSITIONS - REALIZED GAINS/LOSSES (starting Jan 2015):
DIVIDEND GROWTH
Company ….. Date ..... Gain/Loss ……G/L %....... Reason/Result
VZ   ……..   11/10/15 ….   3.28  ..…..    0.1%….  Moving VZ to Trad IRA, added to O and KMI
QCOM……..11/17/15 ….(-186.95) ……(-8.2%)….Sold due to underperformance, realloacting cash
DE   ……..    9/8/15 ….    34.46   ..…… 1.6%….  Sold to w/d cash for home renovations
SCG ……..   7/15/15 ….  297.78   ..……8.5%….  Buying D higher div grwth, regional diversification
BAX ……..   6/22/15 ….   27.69   ..…... 1.4%….   Unhappy with post-spinoff co.'s dividend amts
MAT ……..   4/24/15 ….   602.48  ..….. 70.1%….  Will reallocate to another core position
HCP ……..   3/30/15 ….   114.08  ..…..  8.5%….    Will reallocate to O and KMI for full positions
OXY  ……..  2/18/15 ….   36.24  ..…..   2.0%….    Eliminating non-major oil names
CRC   …….. 2/18/15 ….    5.28  ..…..  (-8.8%)….  Eliminating sub-$100 position, OXY spinoff
VZ   ……..    1/13/15 ….   41.63  ..…..   1.3%….    Moved VZ into Roth IRA
GROWTH and SPECULATIVE
Company ….. Date ..... Gain/Loss ……G/L %....... Reason/Result
GILD ...…… 9/16/15  ….  218.20 ..….  10.6% ….  Sold to w/d cash for home renovations
HTZ call…… 9/15/15  …. (-69.00) ..….(-6.5%) ….  Sold to w/d cash for home renovations
AAPL  ……  6/24/15  …. 1,356.18..….. 74.3% ….  Eliminating AAPL growth position, buying MLP
ATRS  ……  2/20/15 ….(-962.65) .…. (-12.0%)….  Covered call assigned @ 2.50, .40c premium
AAPL  ……  2/13/15  …. 1,320.41..….. 101.2%….  Reducing name which is over 10% of portfolio
SCRC ……  3/26/15  ….  122.00  ..…..  26.7%….   Sold balance of spec position to 0
SCRC ……  1/12/15  ….  168.40  ..…..  26.6%….   Taking gains on half of spec position
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Total Cash Gains 2015 YTD…………… $3,129.51
Total Cash Gains for 2014 ……………… $2,156.38
Total Cash Gains for 2013 …………….... $3,064.31  (restated: previously all gains prior to 12/31/13)
Total Cash Gains for 2012 ……………....   $269.67