Dividend Digger

Compound interest is the eighth wonder of the world. He who understands it, earns it . He who doesn't, pays it.

Category: Thoughts (page 1 of 2)

Using your Self-Directed brokerage to utilize the DRIP

Often referred to as a Synthetic DRIP , it is one of my favorite strategies for making my money work for me. One thing that separates the synthetic DRIP from the traditional DRIPs are most self directed/discount brokers I have dealt with can only provide a synthetic DRIP because they do not offer to buy fractional shares.

So what is a DRIP?

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Much Over-Due Update and April 2016 Dividends

Hello friends! Hope everyone is having a good year so far, with the downturn of oil and economic restlessness I’m sure there are many of you who had trails and challenges to face and overcome. For those who do follow this blog more consistently I’m sure you noticed I haven’t be really updating my portfolio nor have I been keeping up with my dividends/assets as well as I normally do. Well to say the least it has been an extremely hectic past 2 months, both with equal amounts of ups and downs. To start with all the downs, I found out in beginning of April that my landlord sold the house I was renting. Normally I wouldn’t be too worried, just simply move somewhere else, right?

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Quarterly Update and Asset Assessment

Happy St. Patrick’s Day everyone! And what better way to start this day by writing up an Asset Assessment. Damn 2016 is hands done one of the biggest years of my life. The fruits of many years of solid labor, and dedication are starting to pay off. I couldn’t even begin to tell you how many nights I’ve worked myself to the point my body’s joints start to ache. The amount of sacrifice I have made to get to where I am at, the amount of responsibility I have held on my shoulders these past 7 years, and it’s all starting to come together. I feel very much like a snowball midway through its pathway of becoming a massive snow boulder just startingto pick up some momentum, it is like my dividend income finally has some mass, but not as strong had it be like the Giant snowball at the bottom of a long steep hill. It’s very surprising how close I am to reaching F.I. almost as though I’m barely out of reach.

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Cumulative Progress Report

For the last 3 years I’ve been living in an isolated part of northern Alberta working as hard as I can putting in well over my 40 hours a week working health care in 2 different Hospital and 1 Ambulatory care facility. I’ve Been in the north since I was 22 years old and coming here my biggest focus was get out of debt, other than that I really had no idea what I was going to do after that. Well it really didn’t take me as long as I thought it would to clear my debt but lo and behold your time is well compensated for working and living in isolated places if you have a skill.

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The Next Phase, Recent Buy, & Asset Assessment January 2016

Hey everyone, I hope the New Year has been treating you well. I know we are only about a month into it but oh my do I ever feel as though the priorities of my life changed so much. I will always make Financial Independence one of my main focuses, but I’ve been thinking about this for a while now and I have decided to make real estate and home ownership another big priority.

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Asset Assessment and Dividends for November 2015

For this entry I would like to share with you a quote that I to this day still look back on and use to remind myself to keep focus of whats truly important in life.

“You will find no one willing to share out his money; but to how many does each of us divide up his life! People are frugal in guarding their personal property; but as soon as it comes to squandering time they are most wasteful of the one thing in which it is right to be stingy”


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Ignore the Noise

When I think of myself as an investor I think beyond the stock market. I think of it purely as a means of delayed gratification in all aspects of life.  As dividend growth investors, when we first start we take our measly dividend payments and reinvest them with the hopes one day our growth will move at an exponential rate. This process will not happen overnight, or even in the next couple years. Nor will it be a smooth ride the entire time, but the fact of the matter is that the perseverance and miscalculations we face only help to enrich our lives and retirement funds as well.

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My First Guest Post

For this post today I would like to share with you something personal. Throughout high school I never really exceled when it came to articulating my thoughts into writing format. In fact, I struggled very hard and would even get anxiety to write essays and written response questions. Though I do not know the true reason as to why, I have a good feeling it was due to being self-conscious and the fear of people thinking my ideas were dumb. With that being said looking back 7 years ago I would have never seen myself running a blog where I share my thoughts and opinion with people all over the world publically, let alone my finances. Continue reading

A Message to all the Young Investors just Starting

So you want to start saving for the future?  That’s great! Give yourself a pat on the back, this is the initiative we all need to take in order for us to gain full control over our finances. There is no denying that this lifestyle will have you prolong your own gratification, but in a way that’s also what makes this is a very rewarding journey. Reaching that stage of gratification after delaying it for so long will bring you a feeling that no amounts of wealth could buy. Regardless of where the most successful investors and frugal savers are we need to remember they all had to start from somewhere just like me and you. That being said, here are some words of encouragement.

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Invest in Yourself


My mother phoned me a couple weeks ago telling me about one of my great aunts who has been very sick for the last couple months is now in the hospital struggling to fight her cancer. Needless to say she has never been this ill in her entire life. Hearing this news from mom was a real eye opener for me, it’s easy enough to just say that we cannot take our good health for granted but to actually live our lives enjoying the moments we have when we are in the peak of our physical health wellbeing is often something we over look. In the community of money savvy bloggers we sometimes focus too much on the numbers. So concerned, that we are willing to sacrifice more than we should just to see that number get a tiny bit bigger.

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