Always have a Plan B

I watched "Transformers: Dark of the Moon" yesterday. It was great. Transformers are my childhood heroes. ^^


SPOILER ALERT! Do not read on if you intend to catch the movie.

After my time in the army, I learnt to always have a Plan B ready. My sergeant will always ask me "Soldier, what's the wet weather plan?" I also applied this thinking on my financial planning too. My Plan A is to build a normal career, working a 9 to 5 job diligently. However, if something drastic (retrenchment/ pay cut/ mid-life crisis/ health problems) happens, I also have a plan B to fall back on. My Dividend Portfolio serves as my Plan B, my wet weather plan, by providing me with a steady stream of passive income.


So, while I was watching the Transformers movie, I love the scene where the Autobots escaped from the space shuttle/rocket unscathed. They have a Plan B! They built an escape pod in the first-stage booster rocket so that they could escape the exploding main rocket before Starscream fired the missiles at them.


After watching the movie, I had my lunch at Wendy's. Gonna share some mouth-watering pictures that I took with my phone's camera. Hee ^^

I ordered the Spicy Chicken Burger set meal. The meat patty is more tender and juicier than KFC's Zinger burger.  The bun is softer. Not overly spicy.  Overall, I prefer this over the Zinger. The fries are great too! Crispy on the outside and soft inside.

I ordered the Grilled Chicken Caesar Salad. The serving is huge! The bowl of salad can serve a meal by itself!. Luckily, I have my friend to share it with me, otherwise, I could not finish it on my own.

My friend ordered the Fried Chicken set. He said it is too salty.

So, what's your Plan B? Or maybe you even have a Plan C? Share your comments below. ^^

Peace Out,

Dividends Warrior

June & July 2011 Dividend Portfolio Update

Telecom
No.	Stock	Lots	Dividends Collected	Average Price	% of Dividends Portfolio	Total %
1	Singtel	5	$0	$2.920	14.38%	39.07%
2	Starhub	6	$1450	$2.27	13.41%
3	M1	5	$560	$2.290	11.28%

Conglomerates (Properties, Offshore & Marine, Utilities, Publishing)

No.	Stock	Lots	Dividends Collected	Average Price	% of Dividends Portfolio	Total %
1	Keppel Corp	1	$0.00	$11.700	11.52%	22.48%
2	SPH	3	$810	$3.71	10.96%

REITs
No.	Stock	Lots	Dividends Collected	Average Price	% of Dividends Portfolio	Total %
1	First REIT	8	$152.50	$0.728	5.74%	19.19%
2	CMT	3	$417.90	$1.70	5.02%
3	CLT	3	$189.70	$0.950	2.81%
4	Suntec REIT	2	$358.48	$1.33	2.62%
5	FCT	2	$0	$1.48	3%

Services (Postal & Financials)
No.	Stock	Lots	Dividends Collected	Average Price	% of Dividends Portfolio	Total %
1	Singapore Post	10	$150	$1.141	11.24%	19.34%
2	UOB KayHian	5	$180	$1.645	8.10%

Summary:

Total dividends collected     (*since Jan 2010)	$5,676.83
Total Invested Capital	$101,529
Dividends over Capital (%)	5.59%
Dividends per month	$315.38
Cash holdings	$9,200

Quick Updates:

• Divested Neratel in June.
• Received $300 dividends from Starhub in June.
• Received $125 from Singpost in July.
• Received $10K from a DBS structured investment :)  More details here.
• Accumulated 5 more lots of Singpost in July to average down. Singpost is now my 4th biggest holding.
• Unrealised capital gains is still hovering around a healthy 6% - 7% despite the Greek debt crisis.

Forward-Looking (August 2011):

• Will be receiving dividends from the REITs in August.
• Will be receiving $950 from Singtel (At last!) ^^

Check out my humble gold investment here. 






Peace Out,
Dividends Warrior