Welcome back,

So the month April has passed and that means I invested another €500 into my dividend portfolio. 
This time I upped my position in ABR on a down day and bought another 32 shares. I used the €500 dollars (around $600) and the dividends that were paid out in cash. By purchasing these extra stocks, my position is around $2000 for ABR and I have now 126 shares. 

This will pay me an annual dividend of $181.44 before taxes. The net amount will be around $108 which is not that bad. 
I know, the taxes are a lot but on the long run it will pay off. 

I didn't invest in multiple stocks as I'm trying to reduce the costs when buying shares. Today it's no lucrative for me to buy shares from different stocks as the costs are to high. When I'm earning much more in dividends then I will buy shares from multiple positions. 

Hope this was helpful.
Happy investing everybody and till next time. 

Br,
TT

Hi everybody,

So like I said in my previous post, I will give more info about my portfolio.
My portfolio is still a work in progress and I'm still building it. So i'm trying to increase my dividend income every month by investing every month about €500 + I will reinvest all the dividend income every month in my stocks. 

A side note: I would have build my portfolio different then today as today I have 9 stocks in a portfolio of around 11k dollars which imo opinion is a bit to much stocks for the amount that i'm putting in every month. Lesser stocks would make it more easier to invest as I'm not always need to choose which stock I will pick to invest in (I can't buy fractional shares, else it would be easier) and I want to invest the whole amount at once to reduce my costs. 

So, my portfolio that is generating $576.67 before taxes. After taxes I would today receive $333.43 on an annual basis. 
The taxes is indeed a lot for me and if you are living in the US these taxes will be much lower as I have to pay taxes to the US and to my country (Belgium). 

Today my yield on costs are the following:
- ABR: 7.52%
- BNS: 7.45%
- BX: 2.86%
- ENB: 5.81%
- JNJ: 2.51%
- MAIN: 5.88%
- NEE: 1.77%
- TD: 4.31%
- TRIN: 6.64%
The yield on costs is different then the dividend yield of the stock today as this the yield on costs are calculated on the average price that I bought the stocks for. 
So, some are lower then the current dividend yield as I'm having a loss on the share that I bought. I don't really care about that because I can/will buy more share of that stock during this year and the lower the amount of the stock is, the more shares I can buy and averaging down my cost basis. 

So, as you can see i'm making 5% (yield on costs) for this portfolio, maybe I will replace some stocks with better income stocks. If I will do that, I will for sure update you with this info. For now i'm thinking on focussing on 5 of the stocks and start buying more shares of them:
- ABR: Very good dividend yield and nice dividend growth
- TRIN: Same as ABR
- NEE: Low dividend yield atm but they will increase the dividend with 10% every year this 2025.
- MAIN: Good monthly dividend. This is a stable stock and the dividend is growing on a yearly basis
- BX: Good growth and dividend yield. 

Well that's it for today. In 2 weeks I will fund my account again and buy extra shares. 
I will let you know which one it will be. 

Have a great day!

Br,
​TT

And we are back...and I have to say, I learned a lot in the past year. 
I didn't write to much here as I was busy with personal problems but I managed to learn how to build a dividend portfolio. 
And ofc with learning it also means to make mistakes. 

I always wanted to build myself a dividend portfolio but I always chose other ways to invest and I have to say, today, I 'm sad that I didn't start with it sooner. 
I started last year in October with around €5000 and I put aside every month €500. So as you can read, I started 6 months ago, building my wealth. If I had more money, I would invest in other things as well (real estate for example) but for now, I'm going to update this blog on a monthly basis. Giving you insight in what I'm buying and how I'm building my portfolio. 

My problem with the portfolio, was really getting started. So, one day I put aside some money and started buying some stocks. Not just any stock but really good dividend stocks. Stocks that are paying on a monthly or quarterly basis. I didn't invest in an ETF which would make it also easy as you can spread your risk very nicely but I rather own stocks. It has more risks but it's the first choice you need to make. 
So, one of the mistakes I made, and I hope you learn from it, is that I started buying every month a new stock. So today I own 9 stocks in my small portfolio. It is spreading the risk but if I would start over, I would do it differently. As the more stocks you own, and only putting in €500, it's harder to grow your portfolio. Oke, the risk is lower as you are spreading it over different stocks but I do think that it's better to start with a few stocks (one or 2) and build it from there. 

So what would I change? 
- I would have invested the first €5000 in 1 stock. Giving me income for that one stock. 
- Every €500 that I put in monthly, I would buy it in for a second stock till I also reach €5000 in value for that stock. 
- After the second stock reaches €5000, I would invest in a 3rd stock, and so on...

So why would I do this? Because I'm living in Europe and I don't have the possibility to:
- Buy fractional shares
- And not be able to buy fractional shares, it's will also not allow me to do DRIP, only if I have enough dividend I can do this to DRIP in the stock. 

For those that don't know DRIP (Dividend reinvestment plan). So basically you reinvest the dividend in the stock, getting more shares and more dividend. Compound this and you will earn a lot of dividends and growth over the long term. 

So which stock did I buy? I told already that I have 9 stocks:

- MAIN: Main street capital
- ENG: Engbridge 
- TD: Toronto Domimion Bank
- BNS: Bank of Nova Scotia
- JNJ: Johnson & Johnson
- BX: Blackstone
- NEE: NextEra Energy
- ABR: Arbor Realty Trust
- TRIN: Trinity Captical

So why did I buy these stocks? 
The answer is simple. They have a great dividend yield, they grow their dividend on a yearly basis between 3% - 15%, they have a large track record of paying a dividend and the growth of (most) the stocks is nice on a yearly basis. 
The best dividend stock in my opinion is a stock that doesn't grow a whole lot in value but increases their dividend every year with 5% - 10%. Some will argue this but if I want a good dividend then the lower the price of the stock is, the more shares I get the higher my dividend will be. Of course, stocks that grow their dividend every year will also grow in value as this is the basis of a nice value stock. 

So for the 9 stocks i'm having today, a bit more in financials then in other sectors, because of the whole rate hike and high inflation. I will see that I have €5000 invested in every stock before I would even add another one to the list. There are a lot of great stocks and maybe better stocks then that I have selected to pick from but today my return (in these volatile markets) is 11%. 
I will see how this play out in the coming years. 
​
In my next post, I will give you more details about my portfolio. 

Br,
​TT

My last post was about 4 years ago and I have to say that a lot has changed during that time. 
You know that the challenge is to retire at 45 but I maybe have to set my goal a bit higher and do it at 50. 

The biggest reason is that last year I got divorced so this gives a bit of a set back but it made me stronger in a way to find more and better opportunities or do start investing in another way. 

Most of the people know the stock market and most of the people are also afraid of it. Because it's a casino, it's to risky, you loose money instead of making money. 

This year I decided to start a dividend portfolio and try to reach my goal by using the compound investing method meaning that I will use time in my advantage while buy good dividend stocks and try to build out a very good dividend portfolio. 

I will update my blog, if there is interest in it and I will start with buy investing in stocks with a low amount of money. Maybe I will buy a stock every month, maybe wait a bit and buy a stock with more money.

After 4 years, I think some parts of the website will need to change as i'm now more focused on investing in the stock market then blogging or making youtube video's. So, I will start making some changes as i'm now having more time to share my ideas of investing and how to get rich when setting some goals. 

Take care, 

​TT

Hey everybody,

If I want to retire at 45 then I have 12 years to go to reach my target and that target is $1.5 million. It's quite a high amount to reach in 12 years time. 

The question is now: Is it possible? 
Let's see with some simple math:

$1.500.000/12 (years)= $125.000 a year so that's about $10.416 a month that I need to save to reach my $1.5 million or around $342,2 a day if I start from scratch.
This isn't really possible for me because me and my wife are not earning that much money. Not even half of it. 
And we also have 2 children so we can't save all our money that we earn.

Luckily we already have some savings. We have around $100.000 in savings and an apartment that is being rented. 
This already gives us a head start for reaching our goal but I'm afraid that we still need to work a lot before we even can retire. 
But of course we also have a loan for the apartment so this just gives us a small advantages. 

So we need to gather $1.4 million which is still a lot to cover. In order to do this we need an extra income. I'm not going to lie but hopefully my followers will help me reaching my goal. 
If you find this amusing and want to follow me/us reaching or goal then subscribe via email. 

Next time we will cover some expenses and see what we can do about it. 

BR,
​TT

Hey everybody,

Yesterday I stood still and starting thinking about my life and what I already have achieved and where it was going to. 
I'm in my early thirties and I feel the need to have more free time, I don't want to work till I'm old. I want to retire much sooner so that I can do what I want BUT the quality of my life may not drop. 

I know that I 'want' a lot but it should be possible to retire on my mid forties and rather sooner then that.
SO from this day I'm going to start this challenge with myself. I'm going to save my money or find other sources of income. Hopefully this will make me more independent so that I can retire in 10 - 15 years.

I'm still working so I have my income but I also have a lot of costs ie:

- A loan for my house
- A loan for an apartment (that is being rented)
- Two kids
- A wife 
- Hobbies
- Food
- Maintenance for all my properties, garden, etc...
- Water
- Electricity
- Gas
- Taxes
- ...

So to cover all these costs me and my wife are working hard. The rent of the apartment helps to cover the loan of the apartment but there are also other costs that need to be paid. But if I calculate it right then I have small income for the apartment due to the rent. This is of course not enough and I have around  $150 dollars profit from it every month. 
It's better then nothing but this money is saved to cover the months that the apartment is empty and no rent is being received. 

We also have some stocks which gives us some dividend but also this is to low to stop working. 
This is my first post but I will give more details in the next one. 
I hope this first post is the start of a new chapter and challenge in my life. I hope I can inspire others to do the same or that some can give me good advice and help me with this challenge!

Kr,
TT

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Hey Everybody,

With the new Star Wars movie release, Lego also released some new Star Wars Lego building sets which I really like. I have already bought the 6 previous Star Wars Lego builing sets and I'm going to buy these one also!

Today I will discus the new building kits...6 Lego Constraction Star Wars Building Sets.

1) First Order Stormtrooper Building Set

The First Order Stormtrooper is looking very nice and is pretty cool;
It has the following stats:

• Fire the spring-loaded shooter and reload with the extra ammunition
• Move the limbs into any battle pose
• Sturdy and durable design for intense action play
• Play out exciting combat scenes with this iconic character from the blockbuster Star Wars: The Force Awakens movie

2) Kylo Ren Building Set

The Kylo Ren figure is also looking good. It has the following stats:

• Move the limbs into any battle pose
• Sturdy and durable design for intense action play
• Play out exciting combat scenes with this iconic character from the blockbuster Star Wars: The Force Awakens movie
• Figure stands over 10” (26cm) tall

3) Captain Phasma Building Set

This one I really like. This 82 pcs building set is just very good looking. Just look at it :). This one will get a place in my living room. My wife will go beserk :-D.

• Move the limbs into any battle pose
• Sturdy and durable design for intense action play
• Play out exciting combat scenes with this iconic character from the blockbuster Star Wars: The Force Awakens movie
• Figure stands over 10” (26cm) tall

4) Rey Building Set

The Rey building set is rather cheap. It is also not my most favorite building set but just for the fun of it...I need to have it :). Still it is also a 84 pcs building set.

The stats for the Rey building set:

• Turn the wheel to swing Rey’s arm
• Move the limbs into any battle pose
• Sturdy and durable design for intense action play
• Figure stands over 9” (23cm) tall

5) Poe Dameron Building Set

This building set has 102 pcs and it can shoot his gun like the First Order Stormtrooper:

• Fire the spring-loaded shooter and reload with the extra ammunition
• Move the limbs into any battle pose
• Sturdy and durable design for intense action play
• Figure stands over 9” (23cm) tall
  

6) Finn Building Set

Last but not least, the Finn building set. A set that has 98 pcs and Finn can also shoot his gun:

• Fire the spring-loaded shooter and reload with the extra ammunition
• Move the limbs into any battle pose
• Sturdy and durable design for intense action play
• Play out exciting combat scenes with this iconic character from the blockbuster Star Wars: The Force Awakens movie
  

So some nice new Lego stuff. In my next post I will talk about an upcoming Lego release. Stay tuned!

Br,

TT