Bank of Montreal’s 3 Cent Dividend Increase

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Hey everyone, forgive me I’m a little late in posting this, my portfolio received another dividend increase and I thought I would share it with you. On Tuesday December 3rd the Board of Directors of Bank of Montreal announced a three cent raise to the quarterly dividend. This announcement was fully expected as the bank has been raising the dividend semi-annually the last few years.

The dividend will be $1.06 per share up from $1.03. I currently own 91 shares and with this raise my income will increase by $10.92.

Do you own BMO? If so congrats fellow shareholders on the raise.

Thanks

Matthew

November 2019 Dividend Income

multiple-streams-of-income

Hello and welcome everyone to my November dividend income post. I will be sharing with you all of the dividends I received in my three investment accounts, any trades I made and to let you know if my portfolio received any dividend increases. FMAN (February, May, August and November) are slow months for me, November was no exception I did eek out a gain over 2018’s total so that is positive. I had 12 stocks and 1 ETF pay me for a grand dividend total of $460.48. The income breakdown per account is as follows:

  • RRSP $297.59
  • TFSA $159.31
  • LIRA $3.58

I had three US stocks pay me so here is the currency that I received the dividends in. Just a reminder to keep things simple I report the US currency as Canadian that way I don’t have to convert it to Canadian.

  • USD $103.06
  • CDN $357.42

RRSP

2018 2019
Royal Bank of Canada $75.46 $100.80
Bank of Montreal $68.16 $93.73
AbbVie $71.69
Texas Instruments $20.70
Realty Income $13.66 $10.67
BMO International Dividend ETF $22.23
BMO US Dividend ETF $32.16
Total $211.67 $297.59

My US additions to the portfolio really helped me here. A really quiet month for this account with only five stocks paying their dividends in the month. In the future I would like to continue reinvesting money in these five as I believe they all have bright futures.

TFSA

2018 2019
BMO International Dividend ETF $38.79
Inter Pipeline $33.46 $34.91
The Keg Royalties Income Fund $28.19 $28.76
Plaza Retail Reit $24.33 $24.96
Chorus Aviation $17.96 $18.40
Canadian Apartment Properties Reit $9.20 $9.55
European Residential Reit $3.94
Artis Reit $14.76
Boston Pizza Royalties Fund $12.31
Laurentian Bank $60.16
Total $200.37 $159.31

A normal months worth of activity here with all my monthly stocks paying me. The reason for the big income drop was because of my decision in August to sell my Laurentian Bank shares and put the money into BNS. Other than that all of my stocks paid me more due to the dividend re-investment plan I have set up on all of my stocks.

LIRA

2018 2019
Diversified Royalty Corp $3.58
Enbridge Income Fund $26.55
Total $26.55 $3.58

DRIP

# of Shares Forward Income
Plaza Retail Reit 5 $1.40
Chorus Aviation 2 $0.96
Inter Pipeline 1 $1.71
The Keg Royalties Income Fund 1 $1.13
Diversified Royalty Corp 1 $0.22
Total 10 $5.42

I was only able to add 10 new shares to the portfolio this month all from my monthly dividend payers.

Forward Income From DRIP Shares

If the pattern holds true in December I should be back up over $20 but with share prices rising you never know 🙂

2016 to 2019 Dividends

2016 to 2019 Dividends

The green line is above the yellow that’s the end goal. As mentioned above I was able to eek out a small gain over last year ($21).

Dividend Goal 2019

2019 Dividend Goal

Well folks as of November 30th my dividend income stands at $6,753.78 which is quite remarkable. As you can see the needle on the gauge chart is in the green representing the fact that I am above last year’s total. I have a goal of wanting to receive $8,000 this year which means I am currently  $1,246.22 short. I am predicting I should receive between $700 to $750 in December.

Stock Buys

November was all quiet on this front as well. At the moment I have turned my attention on slowly building up my capital. In 2020 my main target for acquisitions will be in my TFSA account as I have a large contribution room.

Dividend Increases

I received three increases in the month from:

  • AbbVie a 10.3% increase which will take effect with the February 2020 payment.
  • Telus increases their dividend by 3.6%. With this announcement Telus continues their semi-annual dividend increases.
  • Diversified Royalty Corp increased their dividend to $0.23 (annual) up from $22.25 cents.

Thanks for reading everyone I greatly appreciate you stopping by. Please feel free in the comments below to tell me how you did in November.

Thanks

Matthew

 

November 2019 Net Worth

Net Worth

 

Hi everyone I would like to share my net worth with everyone. Going back in my blog archives I realize the last net worth post I did was back in September 2018. I stopped writing these posts because looking at the site stats not many people were reading them, and I forgot the reason why I was sharing them in the first place. That reason I shared was because they helped focus me to stay on particular goals I had set. Doing the posts allowed to reflect at the end of each month where my financials stood. For awhile now I have been following the blogs Genymoney, Our Table for Two and Poorer Than You and  they have been posting their net worth’s every month, after reading them I feel inspired so I have decided to get back into writing about my net worth.

Let’s take a look back at some of my numbers from September 2018.

Assets

  • Cash & Savings  $5,961.09
  • Investments  $129,831.77
  • Car  $13,907.00

Liabilities

  • Car $6,406.28

 

Total net worth stood at $143,293.58

September 2018 to October 2019

Let’s take a look back on what has happened between posts shall we. In October 2018 I added to my liabilities by borrowing $6,000 from my parents. I used this money to investment in stocks. By doing this my liabilities increased to 12,406.28. When setting my goals for 2019 one of my top goals was to become debt free in 2019. I am happy to share with you that in August I made the final payments on my car and to my parents. This has been the first time in seven years I believe that I haven’t owed anyone anything.

My banking situation has changed since my last September as well. Back then I used to bank at just Royal Bank of Canada and Tangerine. In 2019 I opened an account with an online bank  called EQ Bank, what attracted me to them was their 2.30% interest rate for their savings accounts. That was the highest rate I could find, I was tired of only receiving 1.07% from RBC and I believe 1.25% from Tangerine.

For investments nothing really has changed for me in this area. I still have the three investment accounts, I still invest in dividend stocks and the dividend payments are really starting to fuel the growth of my accounts. I guess the one thing that has changed for me is I have stopped contributing money bi-weekly into my TFSA and RRSP accounts, this was done because back in September 2019 I was unsure what was going to happen with my job.

Now that we are all caught up let’s get to the new updated numbers. All the numbers that I will share below were as of November 1st, 2019

Cash & Savings ($6,398.80)

Royal Bank of Canada

  • Cash  $150.00
  • Emergency Fund  $1,382.84

I have five accounts at Royal Bank a couple of accounts are joint with my parents so I won’t count them as my net worth. I keep my emergency fund with the bank even though they offer the lowest rates just in case I need money quickly. With my other banks it takes a few days to access the money. I am currently working on building my emergency fund back up to $2,000.

Tangerine

  • Savings $449.55

I just have the one account with Tangerine. I’m thinking about withdrawing this money and moving it to EQ Bank to enjoy the higher interest rate. I will let you know next month.

EQ Bank

The bulk of my savings is now with EQ Bank with my account I am allowed to have four sub accounts so I have opened them and they all receive the 2.30% interest rate if money is in them.

  • General/Investing  $130.36
  • Car Fund  $700.78
  • Travel  $1,201.52
  • Future Housing $2,383.75

I have given my accounts names for their purposes. In the General/Investing I am going to put the money that I want to invest with into this account to earn interest once I know what stock I will buy I will withdraw the cash and make the purchase. Car Fund is quite simple a new vehicle in the future. My car is five years old and in good shape, but I need to start saving for the next one and hopefully pay cash for it. I would like to start doing some travelling in the future. In fact next September I plan on travelling to Long Beach, California to attend the next FinCon event (personal finance conference) I have never been but really looking forward to meeting all of my internet friends. The travel account will go up and down quite a bit probably as I still need to buy my flight, the other half of my AirBnB and get some spending money. Future housing is for the future, I don’t know what that will entail yet, that could be a house or an apartment.

Investments ($174,031.85) 

 

Sept 2018 Nov 2019 Change
RRSP $92,380.58 $114,661.53 $22,280.95
TFSA $32,635.41 $53,750.89 $21,115.48
LIRA $4,815.78 $5,619.43 $803.65
Total $129,831.77 $174,031.85 $44,200.08

My investments have grown quite a bit over the last thirteen months. Thanks in part to the stock market continuing to reach new highs, also I have been focusing on my TFSA account in an attempt to max out my contribution room. Back in July I turned the DRIP back on for all of my stocks. DRIP is Dividend Re-Investment Plan this is going to allow me to buy shares of stocks that I currently own commission free and help grow both my income from dividends and provide me more shares that will help my net worth grow or fall depending on what the stock market does.

Net Worth

As of November 1st my net worth stands at $180,430.65. I decided not to include my car in the net worth post because I currently find an accurate price for it online. I believe my car is probably worth around $6,000 but I wasn’t sure.

Net Worth

Well folks that’s a wrap on my net worth post. I will be making this a monthly post to help track my progress on growing my net worth. Do you keep track of your net worth? Please feel free to comment below.

Thanks

Matthew

 

Telus 3.6% Dividend Increase

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Hey everyone, thought I would share another dividend increase I received. On Thursday November 7th I woke up to the news that Telus was increasing it’s dividend by 3.6%. I would love to say this was a pleasant surprise but it really wasn’t, it was expected. For the last several years Telus has been raising their dividend semi-annually. The board of directors announced that effect January 2nd, 2020 when the dividend is paid next that the dividend will be increased to $0.5825 per share.

I currently own 105 shares and with this announcement my quarterly income will increase by $2.10 and $8.40 annually.

Congrats to my fellow shareholders on the raise.

Matthew

October 2019 Divided Income

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Hey everyone how are you? I hope you all had a fantastic month of October and collected lots of dividends from your investments. Today I am going to look back and share with you my October. Last month was pretty darn good one. On the 15th my 2019 dividend income surpassed my 2018 income two and a half months early. I’m excited to see where I end up by the end of the year.

For October I received payments from 18 stocks and 1 ETF, from these I received a total of $669.14 a new October high for me. I have three investment accounts and the income breakdown is as follows:

  • RRSP $386.45
  • TFSA $279.13
  • LIRA $3.56

I had three US stocks pay me so here is the currency that I received the dividends in. Just a reminder to keep things simple I report the US currency as Canadian that way I don’t have to convert it to Canadian.

  • USD $107.03
  • CDN $562.11

RRSP

2018 2019
BCE $103.44 $110.95
TC Energy $71.76 $109.50
Telus $53.55 $58.50
Altria Group $51.24
Algonquin Power & Utilities $52.52 $45.12
Realty Income Corp $13.43 $10.67
North West Company $0.32 $0.33
Leon’s Furniture $0.14 $0.14
BMO International Dividend ETF $22.23
BMO US Dividend ETF $32.09
Total $349.48 $386.45

New investments in Altria and TC Energy helped me offset the loss of the two ETFs. Another key to my growth this month was dividend increases from BCE, Telus, and TC Energy.

TFSA

2018 2019
Bank of Nova Scotia $93.60
BMO International ETF $38.79
Inter Pipeline $33.32 $34.77
The Keg Royalties Income Fund $28.10 $28.66
Plaza Retail REIT $24.22 $24.85
Transcontinental $24.20
Chorus Aviation $17.88 $18.32
Canadian Apartment Properties REIT $9.20 $9.55
European Residential REIT $3.94
Andrew Peller Ltd $2.42
Artis REIT $14.67
Boston Pizza Royalties Fund $12.31
ZCL Composites Inc $30.65
Total $170.35 $279.13

New investments are the key to the growth here, as you can see I received payments from five stocks that I didn’t have last October.

LIRA

2018 2019
Diversified Royalty Corp $3.56
Enbridge Income Fund $26.55
Total $26.55 $3.56

All quiet here, not too much going on with this account.

DRIP

October turned out to be another great month for me, I was able to drip a large amount of new shares that will help fuel my dividend growth.

# Of Shares Forward Income
Plaza Retail REIT 5 $1.40
Algonquin Power & Utilities 3 $1.69
Chorus Aviation 2 $0.96
Telus 1 $2.25
Altria Group 1 $3.36
Inter Pipeline 1 $1.71
BCE 1 $3.17
Transcontinental 1 $0.88
Bank of Nova Scotia 1 $3.60
TC Energy 1 $3.00
The Keg Royalties Income Fund 1 $1.13
Diversified Royalty Corp 1 $0.22
Total 19 $23.37

Forward Income From DRIP

I bet last month’s total lol. I can see a trend I will be having one slow month followed by two great months. After a couple of years I’m looking forward to seeing what this chart will show. Do you guys drip your shares or take cash?

2016 To 2019 Dividends

2016 to 2019 Dividends

Dividend Goal 2019

2019 Dividend Goal

As mentioned above on October 15th my 2019 income surpassed my entire 2018 total. My goal for this year was $8,000 and over the next two months I’m predicting I will receive between $1,100 – $1,300 so I will fall just a little short but that’s ok. I believe this year has been very successful.

Stock Buys

I made two buys in the month, they were both stocks I already owned and wanted to add to my position.

  • Suncor 28 shares
  • Texas Instruments 13 shares

Dividend Increases

None that I am aware of this month.

Well everyone that does it for my monthly wrap up. I hope you all had a great month. Please feel free to let me know how you did in the comments below.

Matthew

 

AbbVie Raises Dividend

abbvie

Happy Monday everyone! Today I wanted to share with you some dividend news I received on Friday. On Friday one of the stocks I own AbbVie (ABBV) announced quarterly earnings, during that announcement the board of directors declared a 10.3% dividend increase that will take place in February. AbbVie currently pays $1.07 per share this will increase to $1.18 per share when they pay the February dividend.

I currently own 67 shares of AbbVie so with this increase my quarterly income will increase by $7.37, annually my income increases by $29.48

If you own shares in AbbVie congrats fellow shareholders on your raise.

Thanks for reading!

Matthew

Texas Instruments New Purchase

texas instruments

Hello everyone, today I wanted to share a new purchase with you that I made last week. On October 22nd Texas Instruments announced their quarterly earnings after the market closed. The company missed earnings expectations and in after market trading the stock was down double digits.

Here is some of the financial numbers Texas Instruments released in the earnings release:

  • Revenue decreased 11%
  • Operating Profit down 18%
  • Net Income down 9%
  • Earnings Per Share down 6%

I believe that this is just a small bump in the road and Texas Instruments will go back to beating expectations in a couple of quarters, once the trade war with China gets resolved. After looking at what was going on in after market trading I gathered up my loose to change to see if I could buy anymore shares.

The next day October 23rd I didn’t have to wait long within minutes the stock was down 10% and trading around $118.

The Buy

After counting all my change I had enough cash to purchase 13 additional shares at a price of $118.50, so I put my bid in and was successful a short time later. This is the second purchase of the stock I’ve made, the first was at $121.47 and with this buy I was able to lower my cost basis.

Dividends

Texas Instruments recently announced that they would be raising the dividend to $0.90 per share quarterly, so with this purchase my annual dividend income will increase by $46.80.

So what do you think of the purchase? Do you own the stock? Please feel free to comment below.

Thanks

Matthew

*New Post* New Suncor Purchase

Suncor

Hello everyone, what’s everyone been up to? For the last little while things have been quiet for me on the investing front. However last week I decided to make a purchase and it was to add to a stock I already hold. I purchased more Suncor Energy for my TFSA account. Suncor was trading at a good price in my opinion so I decided to buy more of this quality company.

What Is Suncor Energy?

Suncor Energy Inc. operates as an integrated energy company. The company primarily focuses on developing petroleum resource basins in Canada’s Athabasca oil sands; explores, acquires, develops, produces, and markets crude oil and natural gas in Canada and internationally; transports and refines crude oil; markets petroleum and petrochemical products primarily in Canada. It operates in Oil Sands; Exploration and Production; Refining and Marketing; and Corporate, Energy Trading and Eliminations segments. The Oil Sands segment recovers bitumen from mining and in situ operations, and upgrades it into refinery feedstock and diesel fuel, or blends the bitumen with diluent for direct sale to market. The Exploration and Production segment is involved in offshore operations off the east coast of Canada and in the North Sea. The Refining and Marketing segment refines crude oil and intermediate feedstock into various petroleum and petrochemical products; and markets refined petroleum products to retail, commercial, and industrial customers through its dealers, sales channel, other retail stations, and wholesale customers. The Corporate, Energy Trading and Eliminations segment operates wind power facilities located in Alberta, Saskatchewan, and Ontario; and engages in marketing, supply, and trading of crude oil, natural gas, power, and byproducts. The company was formerly known as Suncor Inc. and changed its name to Suncor Energy Inc. in April 1997. Suncor Energy Inc. was founded in 1953 and is headquartered in Calgary, Canada.

(Source: Yahoo Finance)

Financial Stats

Here is a list of some financial stats that I found interesting and thought I would share in case anyone is interested in investing in Suncor.

  • 52 week range   $35.53 – $48.30
  • PE Ratio 10.97
  • Market Cap: 61.31B
  • Annual Dividend $1.68 ($0.42 quarterly)
  • Dividend Yield 4.32%
  • Payout Ratio 43.2%

The Purchase

Last week I purchased an additional 28 shares @ $39.03. These new shares plus the ones I already owned will give me a total of 49 shares. These new shares will provide me with $47.04 in annual forward income.

It is my current goal to buy enough shares of Suncor to be able to drip new shares every quarter.

So fellow investors what are you buying these days? Please feel free to let me know in the comment section.

Thanks

Matthew

September 2019 Dividend Income

Sept Dividend

Hello and welcome everyone to my September dividend income post. In this post I will share with you everything that happened to my investing portfolio in September. September is a big month in terms of dividends received, I had 21 stocks and 1 ETF pay me. My September income from dividends was $721.71, if we ignore the special dividend I received in April than September was my highest month in terms of dividends received.

I have three investment accounts and the income breakdown per account is as follows.

  • RRSP  $400.96
  • TFSA  $240.46
  • LIRA  $80.29

I had 8 US stocks pay me in Sept so here is the currency I received the dividends in. Just a reminder to keep things simple I report the US currency as Canadian that way I don’t have to convert it to Canadian.

  • USD $101.34
  • CDN $620.37

RRSP

2018 2019
Enbridge $99.98 $112.91
Power Corp $44.69 $93.56
Fortis $86.28 $93.15
Lockheed Martin $17.60
Home Depot $16.32
Johnson & Johnson $18.86 $15.20
3M Company $14.40
Bank of America $14.02 $12.96
Realty Income Corp $13.37 $10.65
Walgreens Boots Alliance $9.15
Microsoft $5.98 $5.06
Alimentation Couche-Tard $4.20
BMO International Dividend ETf $9.72
BMO US Dividend ETF $32.09
Canadian Utilities $29.50
Pizza Pizza Royalty Corp $17.25
Total $375.94 $400.96

I received some big payments this month from Enbridge, Fortis and Power Corp. I also received my first dividend payments from Walgreens Boots Alliance and 3M Company which I purchased in August before the ex dividend date. Over time I am planning on adding to all of my US stocks listed above so hopefully that income will continue to rise.

TFSA

2018 2019
Canadian Utilities $32.25 $65.10
BMO International Dividend ETF $38.79
Inter Pipeline $33.18 $34.63
The Keg Royalties Income Fund $15.70 $28.57
Plaza Retail Reit $24.08 $24.73
Chorus Aviation $17.80 $18.24
Canadian Apartment Properties $9.20 $9.55
Suncor $8.82
Canadian National Railway $6.83 $8.06
European Residential Reit $3.97
Artis REIT $14.58
Boston Pizza Royalties Fund $12.31
Total $165.93 $240.46

Received some big growth in my TFSA mostly from new investments in Canadian Utilities, The Keg, Suncor, European Residential Reit and BMO International Dividend ETF. Now that I have the drip set up you should start to see the income from some of these stocks slowly creep up over time.

LIRA

2018 2019
Enbridge $76.75
Diversified Royalty Corp $3.54
Enbridge Income Fund $26.55
Total $26.55 $80.29

Not too much going on with this account. The income is quite high due to the Enbridge payment.

DRIP

I had a great month with the dividend re-investment plan (DRIP), as I was able to purchase quite a few shares and increase my forward dividend income.

# Of Shares Forward Income
Plaza Retail REIT 5 $1.40
Enbridge 3 $8.85
Power Corp 3 $4.86
Chorus Aviation 2 $0.96
Canadian Utilities 1 $1.69
Fortis 1 $1.80
Inter Pipeline 1 $1.71
The Keg Royalties Income Fund 1 $1.13
Diversified Royalty Corp 1 $0.22
Total 18 $22.62

I hope you guys don’t mind charts lol, I decided to create a new one that displays the forward income that I will be receiving from all of the new shares that I receive through DRIP.

2016 To 2019 Dividends

Dividend Goal For 2019

I crossed the $5,000 mark in year-to-date dividends with September’s income. Around October 15th I should reach and surpass 2018’s dividend total which would mean I would have two and a half months of dividends received growth.

Stock Buys/Sells

This is probably the only area in which my portfolio was quiet. The only stocks I bought were the shares through the drip, and I did not sell any stocks.

Dividend Increases

I had a nice month in this area as I received five raises.

  1. Texas Instruments
  2. Microsoft
  3. Fortis
  4. Lockheed Martin
  5. Realty Income Corp

 

Well that’s a wrap for my September income post, please feel free to leave a comment below I enjoy hearing from you. How was your September>

Thanks for reading

Matthew

 

August 2019 Dividend Income

August Dividend Post

Hello and welcome everyone to my August dividend income post. I will share with you everything that happened in August with my investment accounts. I bet there are some very happy parents today as the kids go back to school this morning. This month I received dividend payments from 12 stocks and 1 ETF. My income for August was $535.14 I skipped the $400’s and went straight to the $500’s lol.

The income breakdown per account is as follows:

  • RRSP $310.84
  • TFSA $220.78
  • LIRA $3.52

I had two US stocks pay me so here is the currency in which I received the dividends in. Just as a reminder to keep things simple I report the US currency as Canadian that way I don’t have to convert it to Canadian.

  • USD $82.34
  • CDN $452.77

RRSP

2018 2019
Royal Bank of Canada $72.38 $97.92
Bank of Montreal $68.16 $93.73
AbbVie $71.69
Inter Pipeline $36.85
Realty Income Corp $13.45 $10.65
Pizza Pizza Royalty Corp $17.18
BMO International Dividend ETF $9.72
Alimentaion Couche-Tard $4.20
BMO US Dividend ETF $32.02
Total $217.11 $310.84

The banks led the way for me this month with those nice juicy dividends that they pay. I decided to sell my Inter Pipeline shares for this account so this is the last month I will receive dividend in my RRSP account.

TFSA

2018 2019
Laurentian Bank $62.70
BMO International Dividend ETF $38.79
Inter Pipeline $33.04 $34.49
The Keg Royalties Income Fund $15.70 $28.47
Plaza Retail Reit $23.96 $24.61
Chorus Aviation $17.72 $18.16
Canadian Apartment Properties Reit $9.20 $9.55
European Residential Reit $4.01
Artis Reit $14.49
Boston Pizza Royalties Fund $12.31
Corus Entertainment $18.91
Total $145.33 $220.78

Some nice growth here thanks to the payments from Laurentian Bank and the ETF. I have the drip up and running now on all stocks so we should see some modest growth this time next year.

LIRA

2018 2019
Diversified Royalty Corp $3.52
Enbridge Income Fund $26.55
Total $26.55 $3.52

Nothing going on with this account I still just have the two stocks in it.

DRIP

With my drip up and running now I was able to drip a few more shares and add some additional forward income to my portfolio.

# of Shares Forward Income
Plaza Retail Reit 5 $1.40
Chorus Aviation 2 $0.96
Inter Pipeline 1 $1.71
The Keg Royalties Income Fund 1 $1.13
Total 9 $5.20

I thought I was going to be able to drip a share of Bank of Montreal but I guess I missed the ex dividend date. I can’t complain though I will take a $5.20 boost to my future income.

2016 to 2019 Dividends

The chart shows the upward trajectory of my dividend journey to date. Hopefully it will continue years into the future. 🙂

Dividend Goal For 2019

I’m just $3,097.55 away from my goal. I will need to receive $774.39 per month in order to reach my goal.

Stock Purchases

August was very busy for me in terms of stock purchases, here is what I bought.

  • 21 shares of Suncor
  • 20 shares of Walgreens Boots Alliance
  • 10 shares of Microsoft
  • 10 shares of Texas Instruments
  • 10 shares of 3M (MMM)
  • 59 shares of Bank of Nova Scotia

 

Stock Sells

I sold a couple of stocks this month.

  • 256 shares of Inter Pipeline (RRSP shares only, I still own shares in TFSA)
  • 95 shares of Laurentian Bank

 

Dividend Raises

I received three raises from in the month.

  • Royal Bank of Canada
  • Altria Group
  • Bank of Nova Scotia

 

Well folks there is my August recap for you. Please feel free to comment below. How did you guys do this month?

Thanks for reading

Matthew