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Stocks and ETFs Purchased: July 2020

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Hello folks!How is going? I am sharing what stocks and ETFs I added in July 2020 into my taxable brokerage account. I am using this account to build a dividend focused portfolio, so in early retirement it can supply needed passive income to cover some living expenses. I added three high dividend stable companies like Intel, Honeywell and 3M.These are solid dividend payers for many years. I love the solid balance sheet and strong industry presence of each of them.As you can see, I also added five different Vanguard ETFs. Some of them are sector specific (like Utilities, Materials, IT industry) while others are based on market cap size. ETF s are big part of my portfolio as I find they bring considerable diversity and stability into my portfolio.Disclaimer: This article shows my personal opinion and it’s for entertainment purpose only. This is no way professional financial advice. You may seek professional advice or conduct own research before investing. This site uses affiliated links a…

Is passive income key to reduce workplace stress?

Hello folks! How is going? Today I like to bring up an issue that is so common to anyone going through 8-5 grinding at work. I think work related stress is real and a significant issue in most people’s life. The cause of work-related stress can be diverse but here are few I think are major: stressful job assignments, multiple project deadline, long commute, tough manager, corporate b.s. To name a few. Now, the problem is we need to go through all of these year after years without better alternate. The obvious reason behind is that we all eagerly wait for that paycheck end of every month. Does not matter how stressed you are, you are going to be grinding coz you just can’t afford a month without that paycheck. Also not mentioning dependence on employer sponsored health insurance. 
I have been working for last several years on varying engineering roles. Sometimes I feel like to leave everything behind coz the stress is slowly building upon me year after year. Two of my major sources of st…

How to afford more vacation days?

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Hello folks! Hope all are doing great! Who wants more vacation days?? The answer is, I want, you want, everyone wants!! Today I am going to share few thoughts on what I am doing to get more vacation days from work and hence reduce burn out from work stress. One of the major downsides of corporate America is fewer paid vacation days compared to Europe and Canada. On average, we get about two weeks of paid vacation days per year. Depending on employer, it can be few days more or less but I guess this is a good average number. I find this few paid vacations are no way enough for working people to de-stress and recharge! In most European countries and in Canada, the number of paid vacations is more than 4 weeks/yearly. I think we should have more paid vacation days to bring more quality to life.
If I think the total number of off days I get from office are about total little over 3 weeks = 2-week vacation + 1 week (Christmas, New year, Thanksgiving etc.). So technically this means for every…

Will IT sector lead the future of stocks?

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Hello folks! Hope all are doing well! We are having high infection rate in Texas, so I was mostly indoors during this 4th of July break. In addition to all the turmoils, the movement in stock market is giving me a hard time to concentrate. Seems like recent upward trend already counted in post pandemic recovery although pandemic is nowhere near to be over. Tesla stock is on fire and $1400 price point seems quite expensive to me. Listening to few expert analysts, a good valuation may be around $800. I guess lot of inflow to that stock is due to fear of missing out. As long as fed is pumping zero interest money in market, I am not expecting much of pull back in this market.
IT sector saw the most rapid recovery from the march dip. Overall, I think work from home is going to be here even pandemic is over. Also, most of large retailer are going to adopt online based business model rather than brick and mortar stores. All these are going to just drive the demand for software and IT infrastru…

Making the passive income stronger with dividend

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Hello folks! Happy Sunday morning! just made my French roast coffee and feeling like sharing few thoughts with you all. I am not sure if other folks who are working from home having this less gloomy Sunday evening feeling. Previously before the pandemic, when I had to go to office on Monday, from Sunday afternoon I used to feel bit depressed. Seemingly, after I started working from home, that sad vibe is almost gone! I guess the thought of getting up early, driving through traffic and fighting for a parking spot, all creates unnecessary panic among regular 8-5 office going folks. I feel like working from home making me much relaxed and productive. Most of my colleagues expressed the same opinion and our management informed that they are seeing higher productivity across all departments­čśŐ Hopefully, once pandemic is over, we will still be allowed to work from home. I can feel that I am getting two extra hours everyday that was lost on commuting back and forth to office. Additionally, fee…

Curious similarity between dieting and investing process.

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Hello there all! Hope everyone is safe and doing well! Few days ago, I was reading a blogpost and there was discussion about how people struggle to save and invest consistently for longer period. After thinking about this issue for some time, I assume most probable cause is non-enjoyment. Vast majorly of people who fail to stick to saving & investing (s&i), force them to continue the journey rather than enjoying it. We need to remember s&i is not a bitter pill to swallow for some time and one day we will be financially independent (f&i). For most of average income folks like me, it will easily take 12 to 20 years of consistent s&I to be f&i. To me, this process is fairly like sticking to a healthy diet and physical exercise routine. Personally, I was not a big fan of healthy diet and exercise in my younger age. I enjoyed eating out almost every day and had to had burgers and fries almost 3-4 times a week. Although I signed up several times on gym membership but n…

A good stock for long term dividend growth

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Hello there all! Another Sunday for blog time with coffee! This week was quite busy with both office  and personal work. I had to spend quite a bit time for car repair. Last Sunday, I was driving in heavy rain and roads were kind of submerged. Suddenly I heard a hard scratch sound coming from the undercarriage. Luckily, I was just few minutes away from home so decided to drive anyway. Next morning, I went to inspect what really happened on previous night. Seems like some part of plastic and metal cover that protects the transmission system just shattered. Most probably there was a large rock or metal was hiding under water to hit my poor car ­čśĺ So, had to call insurance, report claim and arrange towing to dealership for repair. Also, suddenly office workload increased so much that did not find much to think of anything else. Interestingly I found when I had to give sometime of day for personal work, office work just piling up  with sharp deadlines­čśŐ LOL. Murphy’ law seems unavoidable!
A…

How Telecom sector may provide solid dividend growth potential

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One of my investing strategies is to diversify across several sectors of the stock market. Among all sectors, I think Telecom sector is going to be thriving in coming years. Whatever we do these days, seems like all somehow depends on consuming more and more data and internet time. Also assuming, with time, most of the jobs will be remote in nature, so people will need ever increasing access to internet.
With the advent of 5G, personal and business data consumption will be a big source for telecom giants like AT&T, Verizon, Comcast etc. Although developing infrastructure for telecom companies is capital intensive but a steady revenue somehow seems like offset that burden. I don’t think this sector went slump like energy sector in past many years. My personal investing strategy is geared towards more on dividend growth side. I have many growths only stocks in my portfolio but try to keep them no more than 25 percent. One of the characteristics of large telecom stock is to reward sto…

How to cut spending and save more for investing?

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Image Curtesy: Public Co in pixby

It’s a beautiful Sunny Sun day! It’s hard to believe such a pandemic is ravaging lives across the country. On surface all seems all ok but it’s not, such a strange feeling. I hope all are staying safe and healthy. I am working from home for almost now 1 and half month and office just declared it will remain same till end of summer. I believe for any large organization its going to be a challenge to bring all employee back while keeping safeguards in place. In my office floor there are about 40 people are placed in adjacent cubicles. I don’t think it will easy to keep safe distance even half of the folks decide to back to office. Then additional risk will be sharing the rest rooms, elevators, kitchen area so on. Anyway, today I am going to share some thoughts on saving few extra dollars by cutting recurring expenses that we just cannot stop spending. Now that I am stuck at home, I started reviewing our monthly recurring bills except grocery. So, I target…

What I am thinking about investing in this bear market?

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Hi everyone!
Gosh, what a year 2020 is. I wish I could flip the calendar and start 2021 right now. The health, emotional and financial stress this one single disease causing is unimaginable. I hope whoever is reading this post is healthy and your loved ones are take care of. I did not get chance to sit down and write a post in last couple of months with some issues at work and working a DIY project on our kitchen and backyard.
I am sure many folks in FIRE journey may be evaluating the whole FIRE concept critically. My personal portfolio dropped about 30% at the worst on Mid March but since recovered about 15% of the loss. So I can feel the needle pinch pain there! I was reading few other FIRE blogs and seems like lot of folks really questioning how people who are already in retirement phase (RE) are coping with the loss of portfolio and hence reduced income? My personal thought is that it should not be a big deal, as part of FIRE we are supposed to have at least 6-8 month of expense in …