Top Dividend Raises for April 2018

Dividend growth investing is a popular model followed by the investing community to build assets. Companies which not only pay dividends, but raise them year after year have been shown to perform better overall for investor returns. On the flip side, it is also important to keep an eye on the dividend cuts, which could signal troubling times ahead for a company. This post captures the announcements of changes in dividend amount for the week – both increases and cuts.

Note that only $2B+ (Midcap+) companies are included in this list.

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Is whole life insurance worth it?

The following post is written by Brian So from Brian So Insurance

If you have ever spoken to a life insurance broker or researched life insurance online, you may have come across a type of insurance called whole life insurance. What is whole life insurance and how does it compare to term insurance? More importantly, is whole life insurance worth it?

What is whole life insurance?

Whole life insurance is a type of permanent life insurance. Its premium is guaranteed and level for the life of the insured until age 100, when the policy is paid up and no further premium is necessary.

Because the premium never increases over the life of the policy, it starts out much higher than the premium for term insurance. The premium in the earlier years is more than necessary to cover the cost of insurance. The excess is kept inside the policy as a cash reserve. As the insured ages and his mortality rate increases, the premium he pays is no longer sufficient to keep up with the mortality rate. The excess premium paid in the early stages helps supplement the policy in the latter stages.

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Passive Income Update – Apr 2018

Welcome to our monthly passive income update for April 2018. This is part of the scorecard series where we track our dividends and other sources of passive income. We also include changes and updates related to our investments during the month – showing the overall progress.

Passive Income  Update

Passive income for the month ofApril 2018 was C$1,024.27. The passive income for the month comprised of US$271.77 and C$673.69 (exchange rate is US$1 = C$1.29).

The change for the month is 18.44% QoQ and +72.23% YoY for the month. This brings our passive income to $3,478.89 YTD and achieves 31.6% of our annual goal of earning $11K.

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Outlook for May 2018

One third of 2018 is done and the markets just keep getting more and more interesting by the day. The stock market is rallying hard and billions are added to individual networths (Jeff Bezos) overnight as if the numbers mean nothing. This is the reality that we live in when your cost of capital is zero for a decade. Capital has concentrated to an extremely small segment of the population, who control immense amount of wealth and continues to divide the nation/world more deeply. However, with the yield curve getting close to the 3% mark provides an interesting inflection point as investors watch it closely.

The smarter of the two, bond market, is signaling a coming recession (possibly in 2019), while the equity market keeps shrugging things off. It’s all well and dandy until it isn’t. The central bankers have painted themselves into a corner and will trigger the next economic crisis, as the end of the 30-yr bond bull market nears.

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Recent Sell – OHI

BuySell

Here’s a quick update on a sale in my portfolio. Sales are always hard, especially when times are good and investors are riding the coattails of one of the best performing bull markets in modern times. When things are rosy, we tend to feel that the good times will continue forever. The world has been awash in liquidity for a decade investors have been awarded for taking more risk.

But there is change in the air. As the monetary policy tightens and the central bankers sponsored punch bowl is taken away, I have been looking very closely at some of the fundamentals of my company holdings. During this review, I decided to liquidate one of my stocks.

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