Johnson & Johnson Dividend Increase

15-Johnson-Johnson-Logo-1024x182

 

Hi everyone happy Thursday. Today I wanted to share with you a dividend increase I received at the end of April. On April 26th Johnson & Johnson announced that they are raising their dividend by 7.1%.

What is Johnson & Johnson?

Johnson & Johnson manufactures health care products and provides related services for the consumer, pharmaceutical, and medical devices and diagnostics markets. The Company sells products such as skin and hair care products, acetaminophen products, pharmaceuticals, diagnostic equipment, and surgical equipment in countries located around the world.

Source : Bloomberg

 

Dividend

As mentioned above the dividend is rising 7.1%, the per quarter pay out will now be $0.90 per share compared to $0.84. The new dividend will begin on June 12th this year.

Income

I bought my first shares of Johnson & Johnson this year, and I currently own 16 shares. With the rise of the dividend my income will increase $3.84 USD or $4.94 CDN.

This is the first of hopefully many dividend increases I will receive from this excellent company.

 

Congrats to all of the other shareholders who received this raise.

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April 2018 Net Worth (+$655.76)

April Net WorthHi everyone and welcome to my net worth report for April. I saw a second straight month of growth so I am quite happy with that. April was a relatively quiet month for me, only one exciting thing occurred I got hired on by the school board that I worked for. Back in November I got hired as a temp/casual worker so fast forward to April a job became available and I was able to apply for it, I went through the interview process and found out I was successful.

So what does this new job mean for me you ask? Well now I am considered a part-time employee and have 20 hours a week that are mine and mine alone. Also since I have a great boss I have been given an additional 17.5 hours per week. So now I currently work 37.5 hours per week vs 32.5. I received a raise with the new job which will help my net worth and the march towards becoming debt free. Also one last thing that I am quite excited about I can now start contributing to a pension plan which will definitely help future me.

Let’s get to the numbers shall we 🙂

April March Change
Cash & Savings $5,312.87 $3,927.48 $1,385.39
Investments $120,214.00 $119,882.67 $331.33
Car $14,282.00 $14,969.00 -$687.00
Liabilities $10,854.79 $10,557.27 $297.52

Cash & Savings ( +$1,385.39)

April March Change
Car Account $911.61 $62.79 $848.82
Cash $559.96 $316.80 $243.16
Emergency Fund $3,841.30 $3,547.89 $293.41

I saw a nice increase in my cash & savings in April as I was able to replenish my cash in my car account. Hopefully sometime in May I will withdraw this money and put it towards my car. My cash on hand and emergency fund both saw increases to their balances as I made an effort to put more money away.

Investments (+$331.33)

April March Change
Locked in RRSP $3,948.00 $3,978.03 -$30.03
TFSA $29,195.00 $28,504.11 $690.89
RRSP $87,071.00 $87,400.53 -$329.53

My investments saw an increase in April but if it wasn’t for the dividends I receive $533 I would have had a loss. I do however like the growth that I received in my TFSA account, I received less than $200 in dividends in the account so I saw some real growth and hope it continues.

Car ( $14,282.00)

I currently own a 2015 Hyundai Elantra GLS and according to Canadian Black Book the value of the car is now $14,282.00. I check this every three months.

Liabilities

April March Change
Credit Card $670.86 $76.44 $594.42
Car $10,183.93 $10,480.83 -$296.90

My liabilities actually increased in April due to some extra spending I had to make. My parents had birthday’s at the end of the month and in early May, I had to get a new sticker for the car and renew my driver’s licence and health card. I made two payments on my car loan.

Net Worth

I am hoping to get my net worth into the $130k range with my next report.

Well that is a wrap for my net worth report. How did you guys do? I hope it was positive, please let me know in the comment section.

 

April Net Worth1

 

April 2018 Income

April 2018

 

Hello everyone and welcome to May. Since we are now into a new month it is time for my favourite post. Last month was outstanding and even better than March. Can you believe it? I can’t, I actually received the most dividends ever which I wasn’t expecting.

For April I received a total of $533.09. Wow my second month in a row of receiving $500 or more. This money was spread over my three accounts that make up my portfolio. In my Tax Free Savings Account (TFSA) I received $172.87, in my Registered Retirement Savings Plan (RRSP) I received $333.67, and finally in my new account the Locked In RRSP I received $26.55.

TFSA

2017 2018
Inter Pipeline $17.87 $32.48
ZCL Composites Inc. $15.24 $30.65
Plaza REIT $0.00 $23.49
Corus Entertainment $6.56 $17.86
Chorus Aviation $17.28 $17.40
The Keg Royalties Income Fund $15.24 $15.70
Artis REIT $13.95 $14.13
Boston Pizza Royalties Fund $12.31 $12.31
Canadian Apartment Properties REIT $0.00 $8.85
Total $116.08 $172.87

I saw a nice increase here due to my new investment in Plaza REIT, ZCL Composites Inc. last year. Also it isn’t much yet but with some stocks you can see small increases that is from dripping my stocks.

RRSP

2017 2018
BCE $78.93 $101.93
TransCanada $63.75 $70.38
Telus $48.00 $50.50
Algonquin Power & Utilities $47.78 $45.08
BMO US Dividend ETF $31.29 $31.74
Pizza Pizza Royalty Corp $16.76 $16.90
Realty Income Corp $0.00 $12.92
Alimentation Couche-Tard $0.81 $3.78
North West Company $0.32 $0.32
Leon’s Furniture $0.10 $0.12
Total $287.74 $333.67

The big increase for this account is the investment I made in BCE earlier this year. Also BCE is the first stock to pay me $100 or more in a single dividend payment. What also helped were dividend increases from TransCanada and Telus.

Locked In RRSP

Enbridge Income Fund Holdings $26.55

I have just the one stock in this account. I should received the same each month until the dividend is raised.

DRIP

In April I was able to drip 19 new shares.

# of Shares
Plaza REIT 5
Algonquin Power & Utilities 3
Chorus Aviation 2
Corus Entertainment 2
Telus 1
BMO US Dividend ETF 1
Pizza Pizza Royalty Corp. 1
Artis REIT 1
BCE 1
Inter Pipeline 1
TransCanada 1

I have decided to add a chart to this post and below will show you the future income I will receive from these new shares I receive through the drip.

The numbers continue to go higher which is great to see.

2016 to 2018 Dividends

2018’s numbers are looking good so far I have been able to beat my 2017 numbers each month so far.

Dividend Goal

As most of you know I have set a goal this year of wanting to receive $6,000 in dividends. So far after 4 months I received close to $1,800 if all the numbers stay the same until the end of the year I am on track to receive $5,395.86 which is outstanding for me. This number should increase however through future dividend increases and stock purchases this year.

Purchases

There were no purchases this month, I sat back and collected my dividends.

 

Raises

My portfolio received one raise in April.

  • On April 26 Johnson and Johnson raised their dividend 7.1% it went from $0.84 to $0.90 per share payout quarterly.

 

Well folks that’s a wrap for my post. How did you do in April? Please feel free to let me know in the comment section below.

March 2018 Net Worth (+$4,146.66)

Networth

Hey everyone, I hope you are doing well. Today I will be sharing with you my net worth for March. As you can see in the title March was a positive month for me, my first of 2018. A big reason for the increase in March was because I received my tax refund and put it towards my debt. Hopefully by the end of this year I will become debt free and that should have a big impact on my net worth.

All numbers below are as of March 31, 2018.

March February Change
Cash & Savings $3,927.48 $4,322.29 -$394.81
Investments $119,882.67 $119,722.94 $159.73
Car $14,969.00 $14,969.00 $0.00
Liabilities $10,557.27 $14,862.54 $4,305.27

Cash & Savings (-$394.81)

March February Change
Car Account $62.79 $909.53 -$846.74
Cash $316.80 $412.76 -$95.96
Emergency Fund $3,547.89 $3,000.00 $547.89

My cash is down slightly last month and the reason for this is I withdrew a large amount from my car account and made an extra payment in an attempt to pay off my loan quicker. My emergency fund saw a nice increase, over time I would like to increase this number back to $10,000.

Investments (+$159.73)

March February Change
Locked in RRSP $3,978.03 $3,818.94 $159.09
TFSA $28,504.11 $28,364.18 $139.93
RRSP $87,400.53 $87,539.79 -$139.26

March saw me eek out a small gain in my investments. As you all know, I am a dividend investor and March saw me receive a record amount of dividends $519. Without that I would have had a down month.

Car ($14,969.00)

I currently own a 2015 Hyundai Elantra GLS, I check the value every three months. I will update this figure in my April update.

Liabilities

March February Change
Credit Card $76.44 $78.19 $1.75
Car $10,480.83 $12,459.68 $1,978.85
Family Loan $0.00 $2,324.67 $2,324.67

March was an excellent month for my liabilities I was able to reduce what I owed in every category above or eliminated it altogether. On my car I made two regular payments and an extra payment of $1,700. Thanks to the tax refund I received I was able to completely repay the loan to my family loan.

Total Net Worth

I love seeing that net worth grow and hopefully now it will start growing month over month.

Well that wraps up my March net worth report. As you saw a big reason for the growth this month was due to debt repayment. It felt great paying off all that money and I don’t have any plans on taking on more debt anytime soon.

I hope you all had a great month of March and saw your net worth growth.

Thanks for reading

Matthew

March 2018 Income *Best Month Ever*

March 20182

Hi everyone hope you all are doing awesome. Today I am very happy to share with you my March income report. One reason why I’m happy to share it is because it was the best month I have ever had so far. Also I have seen a number of bloggers growing their income and receiving a record amount of dividends in March, and I’m happy to continue that streak.

In March for the first time I received a dividend payment from my third account which I transferred to my control in February. So going forward I will probably have a record month going forward but I won’t continue to talk about it. I mentioned in this post about it being the best month ever because it’s the very first time I received an amount that started with a 5 in front of it. 🙂

So let’s get to it. So March saw me receive $519.44 from 20 stocks and 1 ETF.

giphy

My portfolio now consists of three accounts the Registered Retirement Savings Plan (RRSP), the Tax Free Savings Account (TFSA) and the Locked in RRSP account. I received $356.13 in my RRSP (record amount), $136.76 in my TFSA and finally $26.55 in my Locked in RRSP.

RRSP

2017 2018
Enbridge $54.80 $97.30
Fortis $64.40 $68.43
Canadian Utilities $55.41 $60.96
Power Corp $12.06 $41.23
BMO US Dividend ETF $29.50 $29.50
Johnson & Johnson $17.16
Pizza Pizza Royalty Corp $16.76 $16.83
Realty Income Corp $13.25
Microsoft $5.93
Bank of America $5.54
Exco Technologies $8.00
Westjet $7.00
Total $247.93 $356.13

March was a great month for my RRSP account I received a record amount of money. One reason for this was my increased investment in Enbridge last year, and Power Corp early this year, and my new investments into Johnson & Johnson, Microsoft, Realty Income Corp and Bank of America which were made this January and February.

Also to note that in June when these stocks pay me again Fortis payment will be higher as I bought more shares earlier this year but I just missed the record date and I have to wait until the next payment date.

TFSA

2017 2018
Inter Pipeline $17.87 $32.34
Corus Entertainment $6.56 $17.67
Chorus Aviation $10.92 $17.32
The Keg Royalties Income Fund $15.24 $15.70
Artis REIT $13.95 $14.04
Boston Pizza Royalties Fund $12.31 $12.31
Plaza REIT $11.70
Canadian Apartment Properties REIT $8.85
Canadian National Railway $6.83
Boardwalk REIT $17.63
ZCL Composites Inc $82.55
Total $177.03 $136.76

Another pretty good month for this account. The amount is lower than last year however it is only lower because ZCL Composites Inc’s payment last year was a special dividend and they are not paying one this year. Since you can’t count on special dividend’s every year I am going to say this account grew for me. Reasons for the growth are my increased investments in Inter Pipeline, Corus Entertainment and Chorus Aviation, also through dividend increases and dripping my stocks which started last month.

Locked in RRSP

Enbridge Income Fund Holdings $26.55

This as mentioned above is the first payment I have received in this account. I only hold this stock in the account and it pays a monthly dividend so you will probably be seeing this number for a few months until they increase their dividend.

DRIP

In March I was able to drip a lot of shares (in my opinion 🙂 ) 15 in total.

# of Shares
Enbridge 2
Fortis 1
Canadian Utilities 1
Pizza Pizza Royalty Corp 1
Artis REIT 1
Inter Pipeline 1
Plaza REIT 3
Chorus Aviation 2
Power Corp 1
Corus Entertainment 2

I have decided to add a new chart to these monthly income posts. This new chart will show you the amount of money these dripped shares will provide me in the future.

2016 to 2018 Dividend Comparison

As you can see my numbers for 2018 are higher than 2017’s which is positive and should hopefully continue throughout the year.

Dividend Goal

 

I have set a goal this year of wanting to receive at least $6,000. Last year I received $4,300 so it is quite a jump. Through the first three months of the year I am off to a good start on my goal.

Purchases

Compared to February where I made 8 purchases March was very slow as I only made one purchase.

  • March 8th I bought 502 shares of Plaza REIT

 

Raises

I received two raises in March.

  • March 7th ZCL Composites Inc. raised the dividend to $0.135 from $0.12
  • March 14th Realty Income Corp raised the dividend to $0.2195 from $0.219

 

Well folks that wraps up my March income post. Thanks for reading. How did you do in March? Please feel free to let me know in the comment section below.

Thanks

Matthew

March 2018

Seventh Raise of the Year

Realty Income Corp

 

Back on March 14th Realty Income Corporation announced its 96th dividend increase since it listed on the NYSE in 1994.  I first purchased Realty Income Corp in January so I was quite happy when I heard the announcement.

What is Realty Income Corp?

Realty Income, The Monthly Dividend Company, is an S&P 500 company dedicated to providing stockholders with dependable monthly income. The company is structured as a REIT, and its monthly dividends are supported by the cash flow from over 5,000 real estate properties owned under long-term lease agreements with regional and national commercial tenants. To date, the company has declared 568 consecutive common stock monthly dividends throughout its 48-year operating history and increased the dividend 93 times since Realty Income’s public listing in 1994 (NYSE: O). The company has in-house acquisition, portfolio management, asset management, credit research, real estate research, legal, finance and accounting, information technology, and capital markets capabilities.

Dividend

With this raise the dividend increases to 21.95 cents from 21.90 cents.

Income

I currently own 47 shares of the company so my income will increase by $0.03 per month or $0.36 annually.

Hopefully this will be the first of many raises from Realty Income Corp. Congrats to all my fellow shareholders as well.

Thanks

Matthew

Plaza REIT New Purchase

plaza reit

Hey guys how’s it going? Today I wanted to share with you a purchase I made on the stock market last week. Last Thursday I purchased more shares of Plaza REIT. This was my second purchase of the stock. Plaza’s stock was sitting at a 52 week low and I had a little bit of money sitting in my Tax Free Savings Account so I decided to buy more shares and lower my average cost.

What is Plaza REIT?

Plaza Retail REIT (Plaza) is a Canada-based open-ended real estate investment trust. The Company’s objective is to deliver a growing yield to unitholders from a diversified portfolio of retail properties. The Company develops, owns and manages retail real estate primarily in Atlantic Canada, Quebec and Ontario. The Company offers a business strategy that differs from various peers in the real estate industry. The Company’s portfolio includes interests in approximately 310 properties totaling over 7.1 million square feet, which are predominantly occupied by national tenants and additional lands held for development. These include properties indirectly held by Plaza through its subsidiaries and through joint arrangements. The Company’s properties are located in Alberta, Newfoundland and Labrador, New Brunswick, Nova Scotia, Manitoba, Ontario, Prince Edward Island and Quebec. The Company’s subsidiaries include Plaza Master Limited Partnership and Scott’s Real Estate Limited Partnership.

Source (RBC Direct Investing)

Transaction

On March 8th I purchased 502 shares @ $3.94 per share. The cost of the transaction was $1,987.87 including trading fee.

Before the purchase I owned 502 shares, so with this buy I doubled my share count to 1,004. With this purchase my average cost drops to $4.16 from $4.39.

Income

Plaza REIT pays a monthly dividend of $0.0233 the new shares will boost my monthly income by $11.70 and $140.40 annually.

With this purchase I used up all of my available cash so now I will be sitting back and collecting my dividends to rebuild my cash piles.

Thanks for reading

Matthew

February 2018 Net Worth ( -$1,387.78)

February

Hey folks how are you? Today I get to share with you my net worth for February. I saw another down month my second straight to start the year. I’m not to concerned with this I know it’s short term pain for long term gain. In fact I’m surprised my net worth wasn’t lower. Why do I say this?? Well my net worth is overwhelming tied to the stock market. In February we saw some volatility with the markets. I believe I took advantage of the situation as I bought stocks 8 times during the month.

With this post three numbers will stand out to you as you read it. They are my cash, investments and liabilities. As I mentioned above about all the purchases I made I needed cash to make it happen. Also last month on Twitter I put up a poll mentioning that I was seriously thinking about taking out a loan from a bank to put towards investing. The poll was my most popular to date and 85% of you voted that I shouldn’t borrow to invest. I received lots of advice on the poll as well. I will you now before you read it that I did borrow money I went against your advice. Why did I do it? Well you see someday I would like to retire and at the moment I don’t have a pension so I need to get my money working for me for as long as possible. I don’t mind paying the money back, especially the amount I borrowed. I borrowed a total of $3,000, instead of borrowing from a bank I asked my family if they had any cash lying around that they weren’t using. They gave me the money interest free and I pay them back every couple of weeks.

Let’s get to the numbers shall we.

All of the numbers below are as us February 28th, 2018

February January Change
Cash & Savings $4,322.29 $10,738.13 -$6,415.84
Investments $119,722.94 $112,588.89 $7,134.35
Car $14,969.00 $14,969.00 $14,969.00
Liabilities $14,862.54 $12,756.58 $2,105.96

Cash & Savings ( -$6,415.84)

February January Change
Car Account $909.53 $565.90 $343.63
Savings $412.76 $2,803.58 -$2,390.82
Emergency Fund $3,000.00 $7,368.65 -$4,368.05

Reducing my cash just over $6,000 in one month is not a decision I made lightly, I believe my decision was the right one and I will see the results later down the road. At the time of the decision my cash was earning me between $4.00 and $4.50 in interest per month. By putting that money to work for me in the stock market I will be earning over $300 annually in dividends.

I will be easing up on my investing and will start to rebuild my cash pile in the future. The car account is close to $1,000 and once it hits that mark I will withdraw the money and make an extra payment on my car.

Investments ( +$7,134.35)

February January Change
Locked in RRSP $3,818.94 $3,995.89 -$176.95
TFSA $28,364.18 $26,225.00 $2,139.18
RRSP $87,539.79 $82,368.00 $5,171.79

Locked In RRSP

A slight decrease to the value of this account, during the month I took over full control and moved my money out of a mutual fund and invested in Enbridge Income Fund Holdings. I expect the value of this account to rise over time.

TFSA

This account saw growth from the cash I put into it and through the buys I made.

RRSP 

This account grew the most as this is where I hold most of my blue chip stocks and a few of them came on sale in February 🙂

Car ($14,969.00)

I currently own a 2015 Hyundai Elantra GLS, I check the value every three months. I will update this figure in my April update.

Liabilities

February January Change
Credit Card $78.19 $0.00 $78.19
Car $12,459.68 $12,756.58 $296.90
Family Loan $2,324.67 $0.00 $2,324.67

Credit Card

I owed $78.19 on my credit card at the end of the month.

Car

I made two payments in the month of February reducing what I owe to $12,756.58.

Family Loan

As I mentioned above I borrowed $3,000 to invest with, I have been able to pay back $675.33.

Total Net Worth

Well as you can see I had another down month but I’m not worried, hopefully I will see a rebound in March.

Well folks that wraps up my February net worth report. How was your month? Did your net worth go up?

Thanks for reading

Matthew

Sixth Dividend Increase of the Year

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Hi everyone last night my portfolio received it’s sixth dividend increase of the year and I thought I would share the news with you. ZCL Composites Inc. announced a 13% increase to their dividend.

About the Company

ZCL Composites Inc. (ZCL) is a Canada-based manufacturer and supplier of fiberglass reinforced plastic (FRP) underground storage tanks. The Company also provides custom-engineered aboveground FRP and dual-laminate composite storage tanks, piping and lining systems, and related products and accessories, where corrosion resistance is a high priority. Its segments are Underground Fluid Containment (Underground) and Aboveground Fluid Containment (Aboveground). The Company has three product groups: Petroleum Products, Water Products and Corrosion Products. The Petroleum and Water Products groups are components of the Underground segment, use a similar production process, and use the brand identities of ZCL, Xerxes, and Parabeam. The Corrosion Products are included in the Aboveground segment, and use the brand identities of ZCL Corrosion, ZCL Dualam and ZCL Troy.

Source (RBC Direct Investing)

Income

With this announcement ZCL Composites dividend will now increase to $0.135 from $0.12. I currently own 227 shares. With this announcement my quarterly income will increase $3.41 and my annual income will increase by $13.64.

This is the second raise I have received from the company since owning the stock.

If you own ZCL Composites Inc. congrats on the raise.

Thanks for reading

Matthew

February 2018 Dividend Income

February 2018

Hello everyone and thank you for stopping by. Today I will be sharing with you the dividends I received last month, and all of the other activity that happened in my portfolio. In February we saw some market volatility for the first time in a few months, and in my opinion created some buying opportunities. February might have been the busiest month ever for me. I made so many buys, I had stocks raise their dividends and I also began dripping my stocks.

Even though this won’t take effect in terms of dividends until next month in February I was able to take control of my locked in rrsp account in February, so now my portfolio consists of three accounts.

February is typically a slow month for me in terms of dividends received. The best stocks that pay me are the Canadian banks (RBC and BMO). For the month of February I received a total of $309.75. The first time I cracked the $300 mark in February, I received $115.74 in my Tax Free Savings Account (TFSA) and $194.01 in my Registered Retirement Savings Plan (RRSP).

TFSA

February 2017 February 2018
Inter Pipeline $17.87 $18.52
Boardwalk Real Estate Investment Trust $17.63 $0.00
The Keg Royalties Income Fund $15.24 $15.70
Artis Real Estate Investment Trust $13.95 $13.95
Boston Pizza Royalties Fund $12.31 $12.31
Chorus Aviation $10.92 $17.28
Corus Entertainment $6.56 $17.48
Plaza Real Estate Investment Trust $11.65
Canadian Apartment Properties REIT $8.85
Total $94.48 $115.74

Saw some nice growth last month, this is mostly due to the new investments in Chorus Aviation and Corus Entertainment. Also my new stocks Plaza REIT and Canadian Apartment Properties REIT.

RRSP

February 2017 February 2018
Royal Bank of Canada $63.91 $70.07
Bank of Montreal $62.48 $66.03
BMO US Dividend ETF $29.50 $29.50
Pizza Pizza Royalty Corp. $16.76 $16.76
Realty Income Corp. $6.00
Potash Corp $5.91 $5.65
Total $178.56 $194.01

As you can see not to many stocks pay me dividends in my rrsp account. February saw me receive dividends for the very first time from Realty Income Corp. Also this is the time time I will receive a dividend from Potash Corp. On January 1st Agrium and Potash Corp merged to form Nutrien Ltd. The increases you see with the banks are from dividend increases.

DRIP

This year I wanted to focus on growing my position in my current stocks so back in January I decided to start the drip (Dividend Reinvestment Plan) again. In February this took effect and I was able to receive additional shares in the following stocks:

  • Chorus Aviation                 1 share
  • Artis REIT                            1 share
  • Pizza Pizza Royalty Corp  1 share
  • Plaza REIT                           2 shares
  • Corus Entertainment        2 shares

These new shares boost my forward dividends by $5.26.

Monthly Dividends 2016 – 2018

Dividend Goal Meter

This year I have set a goal of wanting to receive $6,000 in dividends so I thought I would display my progress with this dividend meter. With all my buys this year I believe I have propelled my expected dividends to between $5,000 to $5,500.

Buys

February was an extremely busy month for the portfolio I needed two hands to count all the buys I made 🙂 I made 8 purchases last month, the volatility that we saw and the rising interest rates created in my opinion some buying opportunities and I took advantage.

The purchases I made were:

  • Inter Pipeline (2)
  • Realty Income Corp.
  • Johnson & Johnson
  • Enbridge Income Fund Holdings ( for my Locked In RRSP account)
  • BCE
  • Fortis
  • Power Corp

After all of those purchases I still have a little cash to play with but I think the next couple of months will be quiet for me. I will sit back and collect those new dividends I will be receiving.

Dividend Raises

I received three raises last month.

  • On Feb 8th BCE raised their dividend To $0.7550 from $0.7175
  • On Feb 15th TransCanada raised their dividend to $0.69 from $0.63
  • On Feb 23rd RBC raised their dividend to $0.94 from $0.91

Well folks that wraps up a very busy February. How did you do last month? Please feel free to comment below.

Thanks for reading

Matthew

February 2018 Pin