Passive Income and Pageviews – November 2014 Update

Passive Income and Pageviews - November 2014 - Turkeys Marching

I hope everything enjoyed their Thanksgiving (US readers) and fall for those outside the states. November is an interesting month, the calm before the storm that is December, the month with high payouts from funds, dividend stocks, and tax loss harvesting. Just two weeks ago the markets were facing some strong pressure due to oil, and continued to present opportunities in many areas for investors. I know I’m ready for some more discounts on great companies!

Before I get too carried away looking forward, let’s take a look at how November turned out!

November Passive Income and Pageviews:
 
November
Year-to-Date
2014 Goal
Percentage of
Annual Goal
Lending Club
$122.41
$1,340.96
$1,950
68.77%
Prosper
$11.14
$279.02
$400
69.76%
Dividends
$130.95
$1,330.74
$1,650
80.65%
Total
$264.50
$2,950.72
$4,000
73.77%
Blog Pageviews
8,292
57,032
100,000
57.03%
Unique Visitors
2,522
17,474
20,000
87.37%

Blog Pageviews: The growth in readership continues as I hit a new blog high with 8,292 pageviews, or an average of roughly 276 per day. Needless to say, the credit goes to you the readers, so thank you for your support.

Passive Income and Pageviews - November 2014 - Google Analytics Blog Pageviews

My secondary goal for the year is to hit 20,000 unique visitors, or users, as Google now calls them. I continue to track along well with this goal, hitting a total of 17,474 for the year to date. While I’m behind the annualized pace for this goal, I’m hopeful and confident that the increase in readership each month will translate into a late year push toward obtaining this goal.

During the month I was able to post five times, and those posts are listed below. Feel free to check them out!

The second post of the month, about the ending acceptance of credit cards at Loyal3 was by far the most popular, even garnishing attention from Loyal3 themselves when they tweeted out the article! Pretty awesome to have a third party recognize your post.

Lending Club/Prosper: November wasn’t the strongest month, more middle of the road than anything, yet I still earned in excess of $130 for the month across the accounts. Total time spent this month to earn this money? Zero. The true definition of a passive investment. As the clock ticks towards having invested with Lending Club for almost six years, I am continuing to look forward to having a piece of my assets in this income generating machine.

While I am nowhere close to hitting my income goals, I am still seeing great returns. Overall, the reason for the miss is mostly due to not contributing as much capital to these accounts as I originally thought I would. While I haven’t finalized my investment plans for 2015, adding some capital to my P2P lending accounts will definitely be something that’s part of the mix. Fresh capital isn’t the only source of compounding. Simply reinvesting triple digits of net interest each month will compound and grow my income stream. If I continue to average a 10% return, my balances will double every seven years or so, even without adding any more capital. Not a bad proposition at all!

If time allows, I’ll do a comprehensive review of my P2P assets at some point within the next couple of weeks.

Dividends: One of the busiest months in the history of my dividend growth journey, I made several investments in my IRA account, given a small rollover from a previous 401(k). As part of this increased investment, I was able to cross the $2,000 mark in forward 12-month dividends. Always sweet to hit milestones! As we continue through the quarterly dividend cycle, the second month is a strong month, although not quite as big as the third month of the quarter. Given the latest investments and the future capital earmarked for my dividend growth accounts, things should continue to grow quickly.

During the month of November, I received $130.95 of dividends from seven different companies. Be sure to check out my 2014 Dividend Calendar which shows each dividend received by portfolio, and projects my future dividends for the year! Any time I cross that triple-digit mark, it is pretty exciting. At this point I am anticipating a permanent stay above this line going forward. A milestone? I think so.

Below is a list of all my dividends received by company and whether those dividends were reinvested directly.

  • American Realty Capital Partners (ARCP): $15.70, reinvested into 1.813 shares
  • Deere & Company (DE): $10.80, reinvested into 0.126 shares
  • Kinder Morgan (KMI):
    • Taxable: $13.83, reinvested into 0.352 shares
    • IRA: $42.18, reinvested into 1.072 shares
  • Kraft (KRFT) – Loyal3: $0.97, reinvested into 0.017 shares
  • Omega Healthcare Investors (OHI): $25.88, reinvested into 0.684 shares
  • Prospect Capital (PSEC): $21.00, reinvested into 2.169 shares
  • YUM! Brands (YUM) – Loyal3: $0.59

As with previous months, I am directly reinvesting all my dividends until my annual dividend income falls between $2-3,000 per year in a particular account, allowing me to reinvest more selectively a few times per year. This of course is always subject to change. For the dividends in my Loyal3 Portfolio, they will be selectively reinvested as earned or combined with additional contributions monthly. You can read about the dividend reinvestment options with Loyal3 in my Snowball City – Loyal3 Dividends post.

Oddly enough, KRFT was directly reinvested in my Loyal3 account. I’ve heard ‘rumors’ that once you receive $10 of dividends from one particular holding it will be reinvested. I’ll know for sure during the first quarter of 2015 as I receive in excess of $10 in a single payment from a stock.

In addition to the dividends being reinvested above, I also made $1,500 worth of purchases in my Loyal3 account. The details of those purchases can be found here: Trades – November No-Cost Dividend Growth Portfolio Purchases. In addition to my Loyal3 transactions, I purchased shares of Baxter International, BHP Billiton, Chevron Corporation, and IBM during November.

When factoring in my dividend reinvestments, dividend increases and decrease – PSEC, and the stock purchases during the past month, my forward 12-month dividends increased to $2,090.54. This represents an increase of $334.03 from October’s mark, and an increase of $812.26 from a year ago. The below chart reflects my dividends received, as well as my forward 12-month dividends since the beginning of 2013, when I started tracking things on the blog. I’ve switched this chart back to being a bar graph, as it more clearly shows the quarterly cycling of dividend income.

Passive Income and Pageviews - November 2014 - Dividends Received and 12-Month Forward Dividends

Passive Income Summary

During November, I received a total of $264.50 of passive income, well diversified across my two investment types, dividends and peer to peer lending. Overall, my year-to-date passive income earned is $2,950.72. For 2014, I am averaging $268.25 per month of passive income. You can find below my updated passive income chart showing my overall passive income for the last 23 months, since January 2013.

Passive Income and Pageviews - November 2014 - Passive Income Since January 2013

November was another step forward in creating a passive income stream to supplement my current income and provide the financial leverage needed to live a life unlike any other. As of right now, December is looking like it will be a record setting month for passive income, however we will have to see what the last few days throw at us!

Don’t hesitate to look around; you can find details on the various aspects of my passive income pieces under their respective pages, Lending ClubProsper, and the completely revamped Dividend Growth Portfolio. Additionally, you can find all of my monthly updates under the Passive Income Updates page, and all my monthly updates and incremental progress towards my 2014 goals on the Goals page.

Flickr: Holly Cawfield

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Comments

  1. A lot of great stuff happening with your accounts and blog. I always love reading these milestone articles as it provides further inspiration for myself to keep blogging and tracking my own blog and dividend income progress. Your LC return looks very string too by the way. I know many of the DGI bloggers are involved with LC or Prosper but I still haven’t taken the plunge. Congrats on some really strong passive income. Look forward to a strong 2015.

    • I agree DivHut, lots of great things happening! I’m more than happy with my P2P investments, and will continue to add capital and build that as core piece of my passive income generating machine.

      2015 should be a great year and some serious progress should be made by the end of the upcoming year. Good luck as you transition into a new year!

  2. W2R,

    looks like we have a similar timing on our goal reviews.
    I continue to like the diversity of your passive income streams. Even though you probably won’t achieve some of the goals you set for yourself, you can be content with the fruits of your labor.
    I like your website a lot and can only congratulate you for your success.
    Have a great 2015 – I will follow along!

    • Stef, I’m glad we have a similar view on our goals and that you like the site a lot! While the blogging ones are more abstract and are really out of my control, they provide a nice way to analyze how things are going on the site. As for diversification, this is something I value highly when it comes to passive income streams. Much like a DG investor wants to own many individual companies to spread risk, I want to take this a step further and make sure I’m not relying on just one type of income.

      Thanks for stopping by and commenting!

  3. I’m strangely addicted to reading these posts, I guess because you break things down into chunks, so it’s easy to understand the different types of passive income you receive.

    It’s really helpful to track every penny like this, especially in relationship to your goals, and you can easily see how every little incremental gain will continue towards pushing your overall total higher every year. This actually helps to make the journey towards financial independence a lot of fun!

    Also, well done on getting so many unique visitors to your site,

    Cheers!

    • M, they are quite addicting and provide a sort of voyeuristic look into the finances and blogging of other folks. I’d be remiss if I didn’t say I enjoy reading these types of posts as well.

      Tracking pennies, progress, and goals in general is a tremendous means of ensuring you’re staying on target for the long-term target of financial independence. The beauty of sharing this progress online is the great community of readers and other bloggers, who can both relate to the progress being made but can share their experiences, challenges, and triumphs.

      I appreciate you sharing your thoughts, M!

  4. W2R,

    Your month looks really good. I was hoping to invest in some LC loans, but apparently Texas residents aren’t allowed to participate in peer to peer lending. That is a bit of a bummer. Oh well…keep up the great work!

    By the way your charts are great.

    MDP

    • MDP, the month was pretty good, but a touch lower than I hoped for, but that is due to the variability of P2P lending. Consistent, but hard to predict exactly. I hope Texas opens up for you soon and you’ll be able to begin your own P2P lending journey.

      Thanks for the compliment (I love the charts, my favorite part!) and for stopping by, MDP!

  5. Wow! 8,000 page views is a lot. Congrats on that.

    • Not too shabby, by pales in comparison to some of my fellow DG bloggers. Given my slightly irregular posting schedule, I’d imagine this number should be higher. Thanks for stopping by DFD!

  6. W2R,

    Another successful month full of hundreds of dollars that you didn’t have to actively work for. Just great past decisions continuing to bear fruit. Keep it up!

    Great job growing the blog as well. I’m looking forward to 2015 for all of us. :)

    Cheers!

    • Each month that passes by is another month of building a sizable asset base that will propel us where we want to go! I’m glad to be on this journey and sharing it with readers, as well as bloggers like yourself. The blog will always be a fun side venture, not something that carries me across the threshold of FI, but I’m happy to see that readership and excitement here at WYOR has ticked upwards with these last few months. December and January are always tough months, and December is looking that way thus far.

      Always enjoy your thoughts DM!

  7. Looks like you had a great month of Nov and the blog is doing well. I need to do more work on growing the blog too. Looking forward to 2015. :)

    • My growth has been pretty organic. No real networking or marketing, just consistent posting and perhaps some luck. I’ll push for more consistency and growth next year while trying to maintain a steady lifestyle!

      Thanks for stopping by Tawcan!

  8. W2R,

    Love reading these detailed reports. November was a great month financially and for the blog. I hope you reach the 20,000 unique visitors mark for this year!

    Also, congrats on achieving $2,000 in projected dividends. Big milestone!

    Best of luck next year,
    NMW

    • NMW, I’m glad you like them! They are fun to prepare and tracking progress never hurts either! I will likely fall just short, but that’s okay. I’ve come a long way in the last year with plenty more to come.

      Thanks for your support!

  9. Great month on almost $3,000 on passive income ytd! I’m waiting for your 2014 year end results, good luck!

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