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Kevin Arledge  

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  • Cracker Barrel Old Country Store - A Restaurant Chain For Your DGI Retirement Portfolio
    Thu, Jan. 29 CBRL 20 Comments

    Summary

    • I recently added Cracker Barrel Old Country Store to my IRA watch list, but then I quickly pulled the trigger on a small position at a dip.
    • This is a simple and pervasive business that makes money.
    • Cracker Barrel has a surprising history of dividend increases.
    • Sometimes it pays to trade up from a holding that has performed well to one with better prospects.
    • Check it out, do a little study, and maybe you will agree that the right restaurant chain can have a place in a retirement dividend growth and income portfolio.
  • Unplanned Early Retirement, End Of Year Update
    Dec. 31, 2014 ARCP, BIP, BTE 37 Comments

    Summary

    • It has only been 11 months since I rolled over my 401k into an IRA, but I feel an end of year evaluation summary is needed.
    • Due to continued dividend reinvestment, differences in performance, and a little buying and selling, the overall balance in the portfolio has changed somewhat. Complete details are included below.
    • Total account value is up in line with overall market growth.
    • Annual income is now around 4.9% with yield on cost already topping 5.6%.
  • Juice Up Your Annual Retirement Income With Municipal Bonds
    Dec. 8, 2014 AFB, BLE, IIM 39 Comments

    Summary

    • Even a dividend growth fanatic can appreciate the steady income afforded by municipal bonds.
    • Municipal bonds can be surprisingly safe investments.
    • You generally do not pay federal tax on municipal bonds and sometimes you pay no state tax either.
    • Bonds do have a place in a well-rounded income portfolio.
    • Municipal bond ETFs are my investment choice in this space including IIM, NQU, MVT, BLE, and AFB.
  • Omega Healthcare Investors Continues To Impress - I Am Adding To My Pile
    Sep. 9, 2014 OHI 91 Comments

    Summary

    • Trends in demographics, specifically an aging population, will continue to drive the healthcare industry, but some providers perform better than others.
    • Omega Healthcare Investors is becoming one of my favorite healthcare REITs due to reliable performance.
    • A good current yield, consistent growth in dividend payouts, and improving cash available for distribution show that OHI is one of the stars in healthcare.
    • Sometimes it pays to trade up from a holding that has performed well to one with better prospects.
    • I am adding to my holdings in OHI on a regular basis in addition to my regular dividend reinvestments.
  • Electrolux May Have A Place In Your Retirement Income Portfolio
    Aug. 7, 2014 ELUXY 6 Comments

    Summary

    • Inspiration can come from unexpected places. A wise investor will step back from an unexpected input to carefully consider the fundamentals, personal goals, and a personal investing rule-set.
    • In the US, Electrolux is usually associated with vacuum cleaners, but the company is an international behemoth in home appliances.
    • Be careful. American investors have several choices in ticker symbols for Electrolux, and which symbol you pick does make a difference.
    • I think this is a good company, I like some of their products, I like their prospects, I like their strategy, and I think the price presents an opportunity.
    • I have not yet pulled the trigger, but I have added ELUXY to my watch list.
  • Unplanned Early Retirement, Conclusion And Report Card
    Jun. 25, 2014 DSUM, EFV, FEZ 56 Comments

    Summary

    • Targeted index funds, with low expense ratios, can be a good choice for investing a sum too small to diversify properly with individual stocks.
    • Preferred stocks provide high current income with a risk profile similar to bonds.
    • Foreign stocks can help grow your wealth if you can get them at a good price. Typical foreign blue chip stocks pay higher dividends than American blue chips.
    • Compounding through dividend reinvestment combined with dividend growth leads to accelerating current income.
    • It really is possible for your retirement income to be higher than your working income. Start investing early and have a plan.
  • Unplanned Early Retirement, Part 7 - USA Industrials (Continued)
    Jun. 11, 2014 CLX, DBD, GIS 12 Comments

    Summary

    • For long term income, dividend growth is important.
    • The Dividend Aristocrats list is a good place to start, but make sure you do your research. Companies do fall off the list from time to time.
    • There are many aspects to consider, such as customer base, geographical area, debt, revenue, management track record, and shareholder friendliness.
    • Choose well-run companies with proven records of dividend growth and financial strength and buy them when you see them on sale at a good value.
  • Unplanned Early Retirement, Part 6 - USA Industrials
    May. 29, 2014 GE, KMB, KO 9 Comments

    Summary

    • For long-term income, dividend growth is important.
    • The Dividend Aristocrats list is a good place to start, but make sure you do your research. Companies do fall off the list from time to time.
    • There are many aspects to consider, such as customer base, geographical area, debt, revenue, management track record, and shareholder friendliness.
    • Choose well-run companies with proven records of dividend growth and financial strength and buy them when you see them on sale at a good value.
  • Unplanned Early Retirement, Part 5 - More Retirement Classics: Utilities
    May. 21, 2014 AEP, DUK, ED 75 Comments

    Summary

    • Dividend paying utilities, particularly electric utilities, are classic retiree stocks.
    • Utilities share many attributes, but not all utilities are created equal.
    • There are many aspects to consider, such as customer base, geographical area, regulator relationships, fuel sources, management track record, and shareholder friendliness.
    • As with other investments, choose well-run companies with proven records of dividend growth and financial strength and buy them when you see them on sale at a good value.
  • Unplanned Early Retirement, Part 4 - Finance And Energy, Retirement Classics
    May. 13, 2014 COP, CVX, IIM 31 Comments

    Summary

    • Bank stocks and oil company stocks are classic retiree stocks, but “classic” does not necessarily mean they are always a good idea.
    • Banks have “betrayed” dividend investors in the recent past, but there are some well-run companies that are still worth consideration.
    • Resetting the dividend level has allowed some banks to become dividend growth stocks.
    • There is a lot of excitement around new technology energy companies, but for my retirement income portfolio I want the dependability of the majors.
    • Income investors should choose well-run companies with proven records of dividend growth and financial strength and buy them when you see them on sale at a good value.
  • Unplanned Early Retirement, Part 3 - REITs In My IRA
    Apr. 29, 2014 DLR, GOV, HCP 51 Comments

    Summary

    • Buy land, they’re not making it anymore. – Mark Twain.
    • A REIT provides most average investors the only chance they will ever have to participate in large scale commercial real estate investing.
    • REIT business models and property types vary, so make sure you are comfortable with the business model.
    • Carefully check the history and the financials, and then look for a good entry point.
    • Today, you will see the actual REITs purchased for my own IRA.
  • Unplanned Early Retirement, Part 2 - Asset Allocations
    Apr. 24, 2014 MAIN, PSEC 47 Comments

    Summary

    • In Part 1, I explained the background of my problem and introduced some of my investment philosophy..
    • One major message from Part 1 was that you need to educate yourself and take charge of your life and your investments. Nobody cares as much as you do..
    • Also from Part 1, you must make a financial plan and execute it faithfully..
    • There are a few additional factors, such as health care, to consider in retirement..
    • Starting today with part 2, you will begin to see exactly what I did with my own investments including asset classes, specific securities, and the logic behind each choice..
  • Unplanned Early Retirement, Part 1 - Strategy, Stability, And Moving Forward
    Apr. 17, 2014 AFL, COP, CVX 192 Comments

    Summary

    • Plan now because it could happen to you someday, as it recently happened to me.
    • If the unplanned happens, do not panic. This is your chance to hit the pause button and reevaluate life.
    • Carefully consider a balance between serving, enjoying life, and working to pay the bills.
    • Educate yourself and take charge of your life and your investments. Make a financial plan and execute it faithfully.
    • With this article you'll see exactly what I am doing with my own investments, including asset classes, specific securities, and the logic behind each choice.