Posts

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 departments😊 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 😒 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 deadlines😊 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 …

Shared Post: How to use the 4% rule to get some guidance on retirement portfolio size?

The 4% Rule: The Easy Answer to “How Much Do I Need for Retirement? Does any of us really know how much of nest egg we need for FIRE? Its logical that a concrete number is almost impossible to come up with. However the great 4% rule can serve as somewhat reliable guideline. In this blogpost,  MMM provided some well argued support points with historical perspective. One thing often we forget, in addition to retirement portfolio, we need to consider income from side gigs, hobby and social security benefits. So its not all doom & gloom:( 
Enjoy!

Shared Post: You may get FIRED much earlier than you may think!

The Math That Explains Why Net Worth Goes Crazy After the First $100k
This is a great post on revealing the true potential of compounding interest on portfolio. Many of us get easily discouraged by the slow growth of portfolio in the first few years. This post with detailed math shows why growth will be much faster and faster as years passes by. So don't get discouraged, just keep investing wisely and consistently!!!

My thoughts on portfolio diversification with international stocks and etfs

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Past few days, I was thinking about how to modify my existing portfolio for a possible downturn in US stock market. In my retirement (401K and Roth IRA) and personal brokerage, about 90% holdings are on US Stock and ETFs. My portfolio is very much on domestic equities and luckily, I ripped benefits from the roaring US equity market in last several years. Same may not be true for our fellow investor friends on other side of the pond or in Asia/Latin Americas. While our benchmark S&P 500 index returned over 180% since 2010, rest of the world index returned mere 15-20%.



I hope in 2020, US stock market will keep roaring but analyzing the historical trends invoking some new thoughts. Recently I came across a very concise article on this from Fidelity Investment and here I am trying to summarize it. Apparently, there is cyclical turn between US vs International market for superior return and each cycle lasts on an average 7.5 years. Currently we are slightly overrunning this average cycl…

Why I love the idea of getting semi FIRE’d!!

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Hello Y’all! Just enjoying my last off day before daily grinding starts in full swing from next week☹ This week I just worked in first two days and took days off with holiday on 1st January. This feels like a comfortable mix of work and relax days to me. It gives me a good taste of semi-retirement or semi-FIRE plan I am contemplating for last couple of years. Personally, I was never a big fan of full retirement except for poor health issue. Not sure I or folks in my circle would just enjoy sitting on couch and watching TV all day for 365 days..haha..that will be hell boring! Even people I see in Travel blogs/Vlogs, sailing around on boat or driving in Van, work on some income generation activities in some capacity. So at least for me, a combination of off day with low stress part time would be best combination. For a full-blown FIRE, the typical require is to accumulate about 25 times of annual expenses. For example, if for a family of three the yearly expenses are about $35,000, then t…