21 Stocks Yielding Over 21% Annually – Earn High Dividends

Have you ever heard of stocks that are paying high dividends of upwards 90%+?

Well, there are stocks that are paying high dividends and here are 21 stocks paying over 21% in dividends…

In order to succeed in high dividend investing, you need to understand more than just the annual percentage yield quoted as of today February 23, 2016 (which is the quote in this post)…

…you need to know that this stock will continue paying high dividends…

…now there are no guarantees that these stocks will continue to pay out high dividends…

…the company might fail tomorrow due to all sorts of factors…

…what you need to do is research each company, maybe even visit their headquarters and see what is really going on in their daily business…

…read their financial reports, annual report, and other investor documents available on their websites…

…understand what they are doing and understand the history of their earnings and dividend payouts…

In this post, I did some initial research and labeled each stock with not only the APY and how often they pay their dividends (quarterly means they pay every three months)…

I also listed whether the stock price over time is STABLE, VOLATILE or FALLING…

…in my personal experience, if a stock price is falling, that means the actual dividend that you earn is also falling over time…

…so I personally wouldn’t invest in a stock that has a falling purchase price…

…check out this list of high dividend yielding stocks of over 21% and see which one I invested in today…

21 Stocks Yielding Over 21% Annually

1) 57.47% quarterly falling SDT – SandRidge Mississippian Trust I (The Trust) is a statutory trust formed pursuant to a trust agreement by and among SandRidge Energy, Inc. (SandRidge) as Trustor, The Bank of New York Mellon Trust Company, N.A. as Trustee (the Trustee) and The Corporation Trust Company as Delaware Trustee (the Delaware Trustee). The Trust holds Royalty Interests in specified oil and natural gas properties located in the Mississippian formation in Alfalfa, Garfield, Grant and Woods counties in Oklahoma (the Underlying Properties). As of December 31, 2014, the Trust’s properties consisted of Royalty Interests in the Initial Wells and 121 additional wells (equivalent to approximately 124 Trust Development Wells under the development agreement). The Royalty Interests are in properties producing from the Mississippian formation in Oklahoma. The Mississippian formation is a carbonate hydrocarbon system located on the Anadarko Shelf in northern Oklahoma and Kansas.

2) 52.53% quarterly volatile CEQP – Crestwood Equity Partners LP develops, acquires, owns and operates primarily assets and operations within the energy midstream sector. The Company operates through three segments: gathering and processing segment, which provides natural gas gathering, processing, treating and compression services to producers in shale plays located in West Virginia, Wyoming, Texas, Arkansas, New Mexico and Louisiana; Storage and Transportation segment, which owns and operates natural gas storage facilities with an aggregate working gas storage capacity of approximately 79.3 billion cubic feet per day (Bcf/d), including its 50.01% interest in Tres Palacios Gas Storage Company LLC, and NGL and crude services segment, which includes crude oil rail terminals, the Arrow gathering system, its fleet of over-the-road crude oil and produced water transportation assets, an NGL storage facility, and US Salt, LLC.

3) 92.12% quarterly falling SDLP – Seadrill Partners LLC owns, operates and acquires offshore drilling rigs. The Company’s drilling units are under long-term contracts with oil companies, such as Chevron, BP, ExxonMobil and Tullow. The Company provides services to these customers with its fleet. The Company’s fleet consists of the semi-submersible West Aquarius, West Capricorn, West Leo, West Sirius; the semi-tender West Vencedor; the tender rig T-15 and T-16; the drillship West Auriga, West Vela, and West Capella. The Company provides drilling services on a dayrate contract basis.

4) 66.39% quarterly falling SDR – SandRidge Mississippian Trust II is a statutory trust formed pursuant to a trust agreement by and among SandRidge Energy, Inc. (SandRidge), as Trustor, The Bank of New York Mellon Trust Company, N.A., as Trustee (the Trustee), and The Corporation Trust Company, as Delaware Trustee (the Delaware Trustee). The royalty interests conveyed by SandRidge from its interests in certain properties in the Mississippian formation in northern Oklahoma and southern Kansas and held by the Trust are referred to as the Royalty Interests. The Trust holds Royalty Interests in specified oil and natural gas properties in the Mississippian formation in Alfalfa, Grant, Kay, Noble and Woods counties in northern Oklahoma and Barber, Comanche, Harper and Sumner counties in southern Kansas (the Underlying Properties). As of December 31, 2014, the area of mutual interest (AMI) consisted of approximately 48,400 gross acres (38,200 net acres) in the counties where the Underlying Properties were located.

 5) 27.01% quarterly volatile/falling CPLP – Capital Product Partners L.P. is an international owner of tanker, container and drybulk vessels. As of December 31, 2014, the Company’s fleet consisted of 30 vessels with 2.1 million deadweight tonnage (dwt) capacity, including four Suezmax crude oil tankers, 18 medium range (MR) tankers, all of which are classed as International Maritime Organization (IMO) II/III vessels, seven post-panamax container carrier vessels and one Capesize bulk carrier. Its vessels are capable of carrying a range of cargoes, including crude oil, refined oil products, such as gasoline, diesel, fuel oil and jet fuel, edible oils and certain chemicals, such as ethanol, as well as dry cargo and containerized goods. The Company provides marine transportation services under medium to long-term time charters or bareboat charters with various counterparties, such as Maersk Line, BP Shipping Limited, Overseas Shipholding Group Inc., Engen Petroleum Ltd., Repsol Trading S.A. and SUBTEC S.A. de C.V.
6) 27.39% quarterly falling CVRR – CVR Refining, LP is an independent downstream energy limited partnership. The Company has refining and related logistics assets that operate in the mid-continent region. It owns two refineries in the underserved Group 3 of the PADD II region of the United States. It owns and operates a full coking medium-sour crude oil refinery in Coffeyville, Kansas and a crude oil refinery in Wynnewood, Oklahoma. In addition, the Company also controls and operates supporting logistics assets, including owned and leased pipelines, owned crude oil transports, a network of crude oil gathering tank farms, owned and leased crude oil storage capacity and combined refinery related storage capacity. It processes a variety of crudes, including West Texas sour (WTS), West Texas intermediate (WTI), sweet and sour Canadian, and locally gathered crudes. The Company offers refined products primarily to retailers, railroads and farm cooperatives and other refiners/marketers in Group 3 of the PADD II region.
7) 35.35% quarterly falling OXLC – Oxford Lane Capital Corp. is a non-diversified, closed-end management investment company. The Fund’s investment objective is to maximize its portfolio’s risk adjusted total return. The Company’s focus is to seek that return by investing in structured finance investments, specifically collateralized loan obligation (CLO) vehicles, which primarily own senior secured corporate loans. Its investment strategy also includes investing in warehouse facilities, which are financing structures intended to aggregate loans that may be used to form the basis of a CLO vehicle. It may also invest, on an opportunistic basis, in corporate debt securities on a direct basis and a range of other corporate credits. It makes purchasing in both the primary and secondary markets the income notes and subordinated notes and junior debt tranches of various CLO vehicles and the equity tranches of various warehouse facilities. Oxford Lane Management, LLC (OXLC Management) is the investment adviser of the Fund.
8) 34.34% quarterly falling SXCP – SunCoke Energy Partners LP is engaged in manufacturing coke used in the blast furnace production of steel. The Company operates its business through two segments: Domestic Coke and Coal Logistics. The Company’s coke making ovens utilize heat recovery technology designed to combust the coal’s volatile components liberated during the coke making process and uses the resulting heat to create steam or electricity for sale. The Company is also engaged in coal handling and blending services through the Company’s interests in Lakeshore Coal Handling Corporation (Lake Terminal), located in East Chicago, Indiana, which provides coal handling and blending services to its Indiana Harbor coke making operations, and Kanawha River Terminals. Kanawha River Terminals is a metallurgical and thermal coal blending and handling terminal service provider with collective capacity to blend and transload approximately 30 million tons of coal annually through its operations in West Virginia and Kentucky.
9) 53.21% quarterly falling CHKR – Chesapeake Granite Wash Trust (the Trust) is a trust formed to own royalty interests for the benefit of Trust unit holders conveyed to the trust by Chesapeake Energy Corporation (Chesapeake). The royalty interests held by the Trust (Royalty Interests) are derived from Chesapeake’s interests in specified oil and natural gas properties located in the Colony Granite Wash play in Washita County in the Anadarko Basin of western Oklahoma. Chesapeake conveyed the Royalty Interests to the Trust from its interests in 69 existing horizontal wells (Producing Wells) and Chesapeake’s interests in 118 horizontal development wells (Development Wells) to be drilled on properties within the Area of Mutual Interest (AMI). The AMI lies within Washita County in western Oklahoma and is limited to only the Colony Granite Wash formation, where Chesapeake holds approximately 45,400 gross acres (28,700 net acres) as of December 31, 2014.
10) 41.57% quarterly falling CCLP – CSI Compressco LP, formerly Compressco Partners, L.P., is a provider of compression services and equipment for natural gas and oil production, gathering, transportation, processing and storage. The Company fabricates and sells custom-designed compressor packages and oilfield fluid pump systems, and provides aftermarket services and compressor package parts and components manufactured by third-party suppliers. It provides these compression services and equipment to a base of natural gas and oil exploration and production, midstream and transmission companies. It is a service provider of natural gas compression services, utilizing its fleet of compressor packages that employs a spectrum of low-, medium- and high-horsepower engines. Its applications include gas gathering, gas lift, carbon dioxide injection, wellhead compression, gas storage, refrigeration plant compression, gas processing, pressure maintenance, pipeline transmission, vapor recovery and gas transmission, among others.
11) 33.17% quarterly falling FELP – Foresight Energy LP (FELP) is engaged in the mining and marketing of coal from reserves and operations located in the Illinois Basin. The Company controls over three billion tons of coal in the state of Illinois. Its reserves consist principally of three contiguous blocks of high heat content (high Btu) thermal coal, which are used for longwall operations. Thermal coal is used by power plants and industrial steam boilers to produce electricity or process steam. The Company operates four underground mining complexes in the Illinois Basin: Williamson Energy, LLC (Williamson), Sugar Camp Energy, LLC (Sugar Camp), Hillsboro Energy, LLC (Hillsboro) and Macoupin Energy, LLC (Macoupin). Each of the Company’s four mining complexes operates in the Illinois Basin; two are located in Southern Illinois and two are located in Central Illinois. Williamson, Sugar Camp and Hillsboro are longwall operations, and Macoupin is a continuous miner operation.
12) 64.04% quarterly falling PER – Sandridge Permian Trust is a statutory trust formed under the Delaware Statutory Trust Act pursuant to a trust agreement by and among SandRidge Energy, Inc. (SandRidge), as Trustor, The Bank of New York Mellon Trust Company, N.A., as Trustee (the Trustee), and The Corporation Trust Company, as Delaware Trustee (the Delaware Trustee). The Trust holds Royalty Interests in specified oil and natural gas properties in the Permian Basin located in Andrews County, Texas (the Underlying Properties).
13) 32.16% quarterly falling MEP – Midcoast Energy Partners, L.P. is a natural gas and natural gas liquids (NGL) midstream company operating in the United States. The Company is publicly traded growth-oriented Delaware limited partnership that serves as Enbridge Energy Partners, L.P.’s (EEP’s) primary vehicle for owning and operating its natural gas and NGL midstream business in the United States. The Company operates through two segments: Gathering, Processing and Transportation, and Logistics and Marketing. The Company’s gathering, processing and transportation segment is engaged in gathering, processing and transporting natural gas and NGL. The logistics and marketing segment primarily markets natural gas, NGLs and condensate. The Company owns 51.6% controlling interest in Midcoast Operating, L.P. (Midcoast Operating), a Texas limited partnership that owns a network of natural gas and NGL gathering and transportation systems, natural gas processing and treating facilities, and NGL fractionation facilities.
14) 32.04% quarterly falling APLP – Archrock Partners LP, formerly Exterran Partners, L.P., provides natural gas contract operations services. The Company’s contract operations services include designing, sourcing, owning, installing, operating, servicing, repairing and maintaining equipment to provide natural gas compression services to its customers. It provides contract operations services, including the personnel, equipment, tools, materials and supplies. The Company’s general partner, Exterran General Partner, L.P., conducts the Company’s business and manages its operations, which are conducted through its wholly owned limited liability company, EXLP Operating LLC. It caters to companies engaged in various aspects of the oil and natural gas industry, including natural gas producers, processors, gatherers, transporters and storage providers. Some of its customers are also Exterran Holdings’ contract operations services customers.
15) 31.49% quarterly falling CNX – Coal Resources LP is a producer of thermal coal. The Company is formed by CONSOL Energy Inc. (CONSOL Energy) to manage and develop all of its thermal coal operations in Pennsylvania. Its initial assets include around 20% undivided interest in and operational control over, CONSOL Energy’s Pennsylvania mining complex, which consists of around three underground mines and related infrastructure that produce bituminous thermal coal that is sold primarily to electric utilities in the eastern United States. Its Pennsylvania mining complex, which includes the Bailey mine, the Enlow Fork mine and the Harvey mine, has coal reserves. The Company mines its reserves from the Pittsburgh No. 8 Coal Seam, which is a contiguous formation of uniform, thermal coal. The Pennsylvania mining complex includes around 785.6 million tons of coal reserves with an average gross heat content of approximately 13,000 British thermal units per pound and an average sulfur content of around 2.38%.
16) 31.18% quarterly falling JPEP – JP Energy Partners LP (JP Energy Partners) owns, operates, develops and acquires a portfolio of midstream energy assets in the United States. The Company operates through four segments: Crude Oil Pipelines and Storage, Crude Oil Supply and Logistics, Refined Product Terminals and Storage, and NGL Distribution and Sales. The Company’s crude oil businesses are situated in areas, including the Permian Basin, Mid-Continent and Eagle Ford shale. The Crude Oil Supply and Logistics segment manages the physical movement of crude oil origination to final destination. The Refined Product Terminals and Storage segment consists of two refined products terminals located in North Little Rock, Arkansas and Caddo Mills, Texas. The NGL Distribution and Sales segment includes its propane cylinder exchange business and the retail, commercial and wholesale sale of NGLs and other refined products. The Company markets its propane cylinder exchange business under the Pinnacle Propane Express.
17) 28.48% quarterly falling CLMT – Calumet Specialty Products Partners, L.P. (Calumet) is a producer of specialty hydrocarbon products in North America. The Company’s segments include specialty products, fuel products and oilfield services. In its specialty products segment, it processes crude oil and other feedstocks into a range of customized lubricating oils, white mineral oils, solvents, petrolatums and waxes. It also blends and market specialty products through Royal Purple, Bel-Ray, TruFuel and Quantum brands. In its fuel products segment, it processes crude oil into a range of fuel and fuel-related products, including gasoline, diesel, jet fuel, asphalt and heavy fuel oils, as well as reselling purchased crude oil to third party customers. Its oilfield services segment manufactures and markets products and provides oilfield services, including drilling fluids, completion fluids, production chemicals and solids control services to the oil and gas exploration industry throughout the United States.
18) 30.53% quarterly falling AMID – American Midstream Partners, LP owns, operates, develops and acquires a diversified portfolio of midstream energy assets. The Company gathers, treats, processes and transports natural gas, fractionates natural gas liquids (NGLs) and stores specialty chemical products through its ownership and operation of 12 gathering systems, five processing facilities, three fractionation facilities, three interstate pipelines, five intrastate pipelines and four marine terminal sites. The Company operates through three segments: Gathering and Processing, Transmission and Terminals. The Gathering and Processing segment gathers, processes, transports and treats natural gas. The Transmission segment transports natural gas. The Terminals segment provides above-ground storage services at the Company’s marine terminals that support commodity brokers, refiners and chemical manufacturers, to store a range of products, including petroleum products, distillates, chemicals and agricultural products.
19) 29.48% quarterly falling AHGP – Alliance Holdings GP, L.P. (AHGP) owns directly and indirectly 100% of the members’ interest in Alliance Resource Management GP, LLC (MGP). MGP is a managing general partner of Alliance Resource Partners, L.P. (ARLP). The ARLP Partnership is a diversified producer and marketer of coal primarily to United States utilities and industrial users. The Company operates in four segments: Illinois Basin, Appalachia, White Oak, and Other and Corporate. The ARLP Partnership operates in the eastern U.S. as a producer and marketer of coal to major utilities and industrial users. The ARLP Partnership operates ten underground mining complexes in Illinois, Indiana, Kentucky, Maryland and West Virginia. The ARLP Partnership also operates a coal loading terminal on the Ohio River at Mt. Vernon, Indiana.
20) 28.94% quarterly falling NGL – Energy Partners LP is a limited partnership company that is a vertically-integrated service provider. The Company operates through the following segments: Crude oil logistics, which purchases crude oil from producers and transports it for resale at owned and leased pipeline injection stations, storage terminals, barge loading facilities, rail facilities, refineries and other trade hubs; the water solutions segment, which includes water treatment and disposal facilities; the liquids segment, which purchases propane, butane and other products from refiners, processing plants, producers and other parties, and sells the products to retailers, refiners, petrochemical plants and other participants in the wholesale markets; the retail propane segment, which is engaged in the retail marketing, sale and distribution of propane and distillates; the refined products and renewables segment, which conducts gasoline, diesel, ethanol and biodiesel marketing operations, and corporate and other.
21) 29.18% quarterly volatile NRF – NorthStar Realty Finance Corp. is a commercial real estate company. The Company invests in multiple asset classes across commercial real estate (CRE). Its portfolio consists of healthcare, hotel, manufactured housing communities, net lease, multifamily properties and international real estate, with a focus on Europe. It also invests in other opportunistic real estate investments, such as indirect interests in real estate through real estate private equity funds. The Company also acquires hotel and certain healthcare properties through structures permitted by the real estate investment trust (REIT) investment diversification and empowerment. The Company’s segments include Real Estate, Commercial Real Estate Debt (CRE debt), Commercial Real Estate Securities, N-Star CDOs and Corporate. Its real estate equity investments that operate under the RIDEA structure generate resident and hotel guest related income from short-term residential agreements.

Conclusion

 After a thorough review of these 21 high yield stocks there were really only 2 that I would consider investing in myself, which was NRF and and CEQP…
…and the reason is that they have share prices that go up and go down (both are on the down now)…
…after some deliberation and a little meditation I bought 23 shares of NRF about 10 minutes ago…
…I encourage you too to get some skin in the game and start investing in some high dividend yielding stocks…
…I’ll see how my investment does and feel free to message me or contact me at anytime if you have any questions about high dividend investing!

P.S.

My joy is seeing you make more passive income AND live a better quality of life…
…I want to help make smiling happy families who are also financially free…
…so I blog about actions that will really change your finances and money situation for the better…
…on top of all those wonderful benefits, I also make money blogging!
AND I want you to make money blogging too…
…so, to be fully informed, I’ve selected the best, easiest to learn and most profitable blogging platform to host my blog…
…and I’m giving it to you now too…
CLICK HERE, enter your best e-mail and watch the free video

A Review Of Passive Income From REIT ARR

…Mey here on Monday morning listening to 6 Figure Shortcuts (which is the best course in building a 6 Figure income online EVER) and blogging about A Review Of Passive Income From REIT ARR

…so, to become financially free you need to have passive income…

…one way that my husband and I make money is that we invest in REITs (click here for an introduction to REITs), and most of our money is in one REIT in particular – ARR…

…to understand more about ARR, go ahead and click here to get an explanation of what a Ticker symbol is and how to research it on free websites

…this REIT pays a monthly dividend of about 16%…

…you might think WOW, that’s great…

…that’s why my husband and I bought so much of it…

…well, the price kept dropping and now the money that we put into it is worth half of what we invested (we kept buying as the price kept falling too)…

…and when the stock price goes down, the amount of money paid in dividends goes down as well…

…then a couple of months ago the stock did a 8 to 1 reverse split, meaning that 8 stocks were combined to make 1 stock…

…so it was about $2.80 per stock and then it became $22.40 per share…

…that’s when my husband and I stopped buying and just watched…

…reason is the stock could still fall in value, and then be reverse split again…

…so, the stock price has been stable since the reverse split, which happened back in August 2015…

…during this time, we still make a lot of money from the dividends from the shares of ARR that we already bought…

…so I decided to review where we were at…

…the fact that the value of our stock has decreased does not concern me as much as the dividend income decreasing…

…the reason we invested in ARR is for passive income…dividends…

…so I calculated the amount of dividends that we have received divided by the amount of money that we have invested and the return has come out to 9% over the last 5 years that I personally have been investing in ARR…

…now that’s still pretty good…

…so it basically went from 16% face value of dividends and became really 9%…

…now, truthfully, past results do not predict the future…

…so I don’t know if ARR is going to go down or up in the future…

…they say what goes up must go down, well it hasn’t gone up in the last 5 years, and it’s just been steady for the last 5 months…

…and I honestly started thinking that it might be a stock that perpetually goes down, and then reverse splits and then goes down again…

…I don’t know…

…I will say this, I’m ok with the money that I have invested in ARR so far…

…afterall, last year my husband and I claimed about $5,000 in passive income…

…which was mostly from ARR…

…and that’s pretty good…

…if we moved to Thailand or Taiwan we would already by free…

…even though it used to be more than double…

…that’s still a lot of passive income for the amount that we invested…

…not sure if I will buy more…

…probably will invest in a more stable ARR like GOOD…

…even though it gives a smaller return of about 8%…

…I hope that gives you a good idea of the risks involved in buying ARR…

…my brother actually told me that the higher the return, the more risky (usually) is the investment…

…let me know what you think of this review in the comments below!

P.S.

…I love blogging about financial freedom and sharing the knowledge that I have gained on saving, investing and mindset about financial freedom…

…I started blogging because I heard it could make you a lot of money as well…

…and eventually that money would become passive income…

…or at least, highly leveraged income…

…I have come to find that there is a system you need in place to make large amounts of money blogging…

…if you are interested in a long term strategy of passive income creation that also lets you express your creativity…

…then CLICK HERE, watch the free video and get started =)

Money Is My Friend – Passive Income Key I Learned From Phil Laut

Mey here on a lovely Thursday, blogging about Money Is My FriendPassive Income Key I Learned From Phil Laut...

…inspired by the book Money Is My Friend by Phil Laut…

…this book was recommended to me by one of my financially free friends Scott…

…I really enjoyed it and had a life changing moment occur when I read the part on passive income…

…when I read the book I was already making dividends with some of my stocks, and was reinvesting them using DRIP…

…and then I read in the book that if you want to be free you have to live off of your passive income…

…that means that you PAY YOURSELF YOUR PASSIVE INCOME every month…

…he had a story in the book where he had a savings account, and it made about $2.00 the first month…

…and he took the money and bought a movie ticket with it and enjoyed a movie…

…the point?

…we need to take our passive income and use it as we earn it, and it doesn’t matter how small it might be…

…this allows our passive income stream to grow and eventually replace our working income…

…if we never take out the dividends and live off of them we will never be free…

…it prevents us from falling into the trap of just saving and saving and working and working our whole lives and keeps us on track for our real goal, which is to make our own money with our own money…

…so right then I started paying myself 90% of my dividends (for all my income, including my passive income, I always pay myself 10% first and put it into my financial freedom account)…

…it’s amazing how just reading that one section in the book changed my life…

…suddenly making passive income streams became A LOT MORE FUN!!!

…and as I’m writing this I’m realizing that I have money in my savings account that is earning interest and I have to pay myself 90% of my interest…

…SCORE!

…so I encourage you to start this key passive income habit, which is start paying yourself your passive income every month…

…you’re going to get a lot more motivated to find ways to earn more and and you’re going to enjoy your money so much more!

What about you?

Do you make passive income in the form of interest, dividends, royalties, etc?

Do you pay yourself your passive income?

Tell us in the comments below!

Your Financial Freedom Goal – Stay On Track With This Weekly Checklist

…hi, it’s Mey here and I went on an amazing 25 mile bike ride this morning out to Hawaii Kai with my bike team, had a nice breakfast and am now blogging about the key of my whole blog and mission – Your Financial Freedom Goal – Stay On Track With This Weekly Checklist

…Do you want to be financially free?

…if you are financially free, do you want more of your friends and family to also be financially free?

…have you wanted some guidance or support to keep you on track with your goal?

…to get you financially free faster?

…then this weekly checklist is going to be the keystone to your goal for financial freedom (or for the friends that you want to become financially free)…

Why Use a Checklist?

…I blogged already on the power of checklists, they save lives in hospitals, improve efficiency and do so many things that to make everything run better and making our lives better…

…so it’s important to use a checklist in your Financial Freedom goal…

…so step one BOOKMARK this page and check on it every week…

Do I Have To Do The Financial Freedom Checklist Weekly?

…YES…

…you might think that doing it once is enough, however, it is KEY AND CRUCIAL THAT YOU FOLLOW THE CHECKLIST EVERY WEEK..

…the reason is that the actions you need to take to become financially free must be done habitually on a regular basis, just like exercising and eating healthy…

…if you don’t pay attention to one part of the checklist and fall off, it will affect your financial freedom goal…

…I know, because I didn’t focus on one part of the checklist, my Networth, and it didn’t improve at all for that year that I didn’t look at it…

…and then I started focusing on it again and my Networth improved and keeps improving…

…so, the moral of the story is that if you are serious about your financial freedom, and what you are doing now is not working, then get serious and follow this checklist weekly…

…the second step is to follow me on Periscope and Twitter @meyduldulao where I go through the checklist every week, usually on Friday though sometimes I do it on Saturday or Sunday like today…

What Is The Financial Freedom Checklist?

1) Did you Save at Least 10% of all the money you earned this week? (after tax earnings)

2) Did you keep your savings safe? (this means, did you keep it in your savings account, you have no idea how many people sabotage themselves by spending their savings)

3) Do you know what your Networth is? (if you need help, you can use free websites like Mint.com to help you calculate it daily)

4) Did your Networth Increase this week?

5) Did your Passive Income Increase this week?  (money that you make without spending time, like interest from a Savings Account or bonds, dividends from stocks, income from a business you own and don’t spend time running, royalties from books…)

6) Did your Expenses stay the same or go down? (many people sabotage their freedom by spending more money when they make more money, such as buying a fancier car, buying a more expensive house…etc)

7) Did you spend time feeling grateful for what you already have?

8) Did you forgive those who hurt you (including yourself)?

9) Did you learn something new this week about financial freedom?

10) Do you have support for your financial freedom goal? (getting Financially Free friends and mentors, reading books about financial freedom and investing, joining masterminds, getting on my e-mail list and reading my daily blog posts and watching my daily scopes…)

Conclusion

…using this financial freedom checklist will keep you on track for really achieving financial freedom and feeling wealthier now…

…I welcome any comments or suggestions on how to improve the checklist as well…

…I was recently thinking of adding “Did you give today?” since giving also creates the circulation of wealth…

…tell me what you think and about your personal journey to financial freedom!

P.S.

…I blog about financial freedom because I LOVE IT…

…it would make me so happy to see the readers of this blog become financially free faster and live their most empowered lives…

…is there something that you love?

…that you could teach others in a blog?

…if yes, you can start blogging today, and make money doing it too!

…how?

…just CLICK HERE, watch the free video and get started =)

The 5 Reasons Why You Are Still Struggling With Becoming Financially Free And How to Fix It

Aloha, this is Mey writing a special blog post at 9:10pm on a Sunday evening on the 5 reasons why you are still struggling with becoming financially free, and how to fix it…

…this post is inspired by a conversation I just had with my husband Jomel…

  1. You Already Know What To Do With Your Money
    • one of the biggest mistakes that people make with their wealth is that they think they already know what to do with their money, where to spend it, and how to invest it…
    • if you are one of these people, you don’t find knowledgable advisors to help you save, you don’t read books on how to become financially free, or wealthy, you don’t spend any time on learning about money…
    • instead, you make money and you earmark that money in advance to buy something…
    • you think you already know everything about money, afterall, you are the one making the money!
    • HOW TO FIX THIS – understand that knowing how to make money is not the same as knowing how to become financially free…if you are not financially free and not getting any closer to being financially free, then you need to get outside help…find a financial advisor who is financially free and lives the lifestyle that you want (if you have kids, they have kids, if you workout then they workout…)
  2. You Think That You Can Become Financially Free With A Business Opportunity/Gambling/Winning The Lottery…
    • the second biggest mistake is that you actually have savings in a 401K or in a savings account and you think to become financially free, all you need is that one big break…
    • …if you are one of these people then you found this great business opportunity and you know it’s the one to change your life forever, so you borrow from your credit card, and then your 401K to pay for it, and spend all your money, stop saving or even drain your savings to continue to fund your great business…
    • …if you are one of these people then you think if you go to Las Vegas and win big, you’ll make it, so you go every year and blow your money…
    • …if you are one of these people you buy lottery tickets everyday knowing that as soon as you hit the jackpot, you will be free…
    • HOW TO FIX THIS – understand that financial freedom is only built through DAILY savings habits and DAILY habits of growing and learning how to invest and preserve your wealth WISELY (check out my Daily Financial Freedom Checklist on Periscope @meyduldulao)…my advice, get a financial advisor who is already financially free and listen to their advice…and if you really think this big break is the right thing, ASK your advisor first and you’ll see from an objective perspective…
  3.  You Spend Spend Spend Because That’s What Your Friends Are Doing
    • …the third biggest mistake is that you spend money on a new car, or buy an overpriced house, or buy a bigger TV every year just because your friends are doing it and you want to show them that you have money and you are just like them or better than them…
    • …if you are one of these people then you have a lot of pride and care about your material image and also care about what other people think about you…
    • …if you are one of these people then you don’t ever want people to know that you are living paycheck to paycheck…
    • …if you are one of these people, you probably have more debt than savings with all of the spending you are doing…
    • HOW TO FIX THIS – understand that most of your friends are not financially free…less than 1% of the population is…with this understanding get new friends who aren’t all about spending and are more focused on becoming financially free…get a financial advisor who is already financially free…
  4. You Don’t Have a Savings
    • most people do not have any savings except for a 401K…
    • …if you are one of these people, you might always be paying off debt and thinking once you pay off your debt you will start saving…
    • …if you are one of these people, you might think that life is short and you should spend what you make now because who knows what will happen tomorrow…
    • HOW TO FIX THIS – understand that you have to save and have money to be wealthy…and you have to save now, and form a DAILY habit of saving…open a savings account today and then put in it at least 10% of everything that you make…do it daily and keep your savings safe by NEVER SPENDING IT…then watch it grow…
  5. You Don’t Apply The Financial Freedom Formula To Your Life
    1. most people have no idea that financial freedom means that you make more passive income than you have expenses…
    2. …if you are one of these people, you think that just making more money will make you free…
    3. …if you are one of these people, you think that only people who have high paying jobs can be financially free…
    4. …if you are one of these people, you don’t understand that passive income is what makes you free and you don’t know what passive income means (it’s money you make without trading your time, like dividends, interest, rental income that you don’t manage, etc)…
    5. …if you are one of these people, the more money the more you spend…
    6. HOW TO FIX THIS – right now write down what your total expenses are (say $5,000/mo)…then figure out how much passive income you have (say $0.02/mo from your savings)…then start reducing your expenses and increasing your passive income so that you can become financially free…

Hope you got value from this post, so please let me know in the comments if you’ve made any of these 5 mistakes and what you think!

The 5 Most Powerful Affirmation Hacks That Create Financial Freedom

…what are affirmations and how can they literally change my life?

…about 4 years ago I decided that I wanted to get married…

…well, whenever I get super focused on something I make affirmations about it and say them, repeat them and think them everyday…

…what are affirmations?

…they are words that you say, think, read, write on a daily basis that chnage your thinking and thus allow you to create what you want…

…read this post on how to make extremely powerful affirmations that will reprogram your brain now!

  1. Be Grateful Affirmations

    …the first affirmation I ever learned was the gratitude affirmation…

    …what you do is say “I’m so happy and grateful now that (fill in the blank)…

    …in the case of financial freedom, you can say…

    “I’m so happy and grateful now that I can afford anything.”

    “I’m so happy and grateful that I can focus on my calling in life, and work steadily on my dreams”

    “I’m so happy and grateful that I have more and more continuous streams of passive income flowing into my bank account”

    “I’m so happy and grateful that I get to go on vacations more often, to wherever I want, and I can bring whoever I want, for any duration that I choose!”

    “I’m so happy and grateful that now I have the time to focus more on my health, by being more relaxed and also being able to spend the time to eat healthier food.”

    “I’m so happy and grateful that I have more than enough money to serve my community when they need me, and also the time to actually focus on the projects that I’m interested in…such as child financial education, and building better schools (you fill in your cause here)…

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  2. Taking What You Want For Granted Affirmations

    …this is the opposite and equally as powerful…

    …you know when you already have what you want, you start to say certain things because you actually start to take what you have for granted…

    …it’s a natural tendency and a great way to make very powerful affirmations…

    …when I wanted to get married I would say “My Husband is here”, because that would be what I would say all the time…

    …at first it was really awkward, and then you get comfortable saying it…

    …and that’s the powerful part…

    …here are some for financial freedom to get you started…

    “I’ll call our financial advisor and have him coordinate the endowment fund you want to start”

    “Our passive income increased 12% this month!”

    “Awesome, made another $2,000 while we were sleeping last night”

    “Be sure to always feel grateful for our wealth and freedom, remember how it took us a while to get here”

    “Less than 1% of the world are financially free darling” (said to your spouse or your children when you run into people don’t understand you lifestyle)

    “I get so excited still looking at our bank account, I guess it still feels like a dream to me!”

    “So, how can we be of greater service today”?

    “Be sure to budget in a raise for the staff”

    “Well, if you want to staff you can, my Mom and I will be fine with Jordan” (said when my husband wants to volunteer staff seminars like PSI 7 or MLS)

    “Let’s find out where my sister is and hang out with her for a couple of weeks. It will be fun!” (my sister is often traveling around, touring and also writing her books)

    “Darling, what can we do to help?” (said when there is a challenge in the community that we want to help out with, such as improving the Hawaiian public education situation, or helping the homeless, or building that school Lawrence wants in Africa…)

    …have fun with this! personalize it to you!

  3. Making progress affirmations

    …sometimes people have a hard time saying an affirmation when they know it isn’t true yet…

    …so then use the making progress affirmations, as they are true…

    …for example:

    “I’m so glad I’m becoming more financially free everyday”

    “I track my networth daily and keep a success journal” (do this of course)

    “I am creating a financially free mindset that is transforming my life”

    “I am planting the seed of financial freedom and it’s growing stronger everyday”

    “Everyday I get better at recognizing and taking opportunities for financial freedom that I didn’t see before”

    “I do what it takes everyday to improve my finances”

  4. Stating the Truth Affirmations (that reinforce what you already have)

    …these are the most profound because they are already true…

    …they reinforce the thoughts and power that we already have…

    …in terms of financial freedom, here are some examples:

    “I live in the moment, and am free in every moment”

    “I am grateful for all the money I have right now!”

    “I am giving a great service to the world”

    “I love and accept you exactly as you are” (said to yourself while looking in the mirror)

    “I deserve all the wealth, freedom and abundance that I can imagine”

    “I know the next step to take for my freedom”

    “I am proud to be me”

    “All of the power of the universe is in me right now, and I know how to bring it forth to serve, life and love fully”

    …you know what to do honey!

  5. Questioning Affirmations (Afformations)

    …some give these another name, like powerful questions or afformations…

    …what you do is instead of making statements, ask yourself empowering questions…

    …when you ask yourself questions your brain searches for answers…

    …and you also take whatever is in the question for granted as being true…

    …truly powerful stuff…

    …in the case of financial freedom, you can say:

    “How can I be of service today”

    “How can I live to my fullest potential?”

    “How can I help Lawrence build that school?”

    “How can I create another stream of passive income?”

    “How can I reduce my expenses today”

    “How can I increase my cash flow today”

    “What is my dream vacation now?”

    “What is the best way to teach others how to be financially free?”

    “What opportunity is there today for my financial freedom?”

    “Who should I talk to today to get the advice or support that I need?”

    “What book should I read to improve my financial freedom today?”

…do you know any other powerful affirmation techniques?

…let us know by sharing them in the comments!

Lucrative Real Estate Investment Trusts That Will Make You Passive Income

…we look forward every paycheck to invest in REITs or Real Estate Investment Trusts…

…why?

…because they have the biggest dividends, and allow us to invest in Real Estate without the hassle of buying a property, managing it and so on…

…plus, we love the passive income they provide…

…read on for REITs that you might want to dive into yourself…

  1. Annaly Capital – NLY

    …Annaly was the first REIT I ever bought…

    …it makes quarterly dividends at around 11%-12%…

    …the price of shares when I bought was about $16.00/share and now they are much lower at less than $10.00 a share…

    …ever since the first date it paid, I was hooked…to REITs anyways…

    …they create this nice income where I can spend more time relaxing at the beach with the family =)

    …as quoted from E-trade…

    “Annaly Capital Management, Inc., a leading mortgage real estate investment trust…

    …The Company owns a portfolio of real estate related investments including mortgage pass-through certificates, collateralized mortgage obligations, Agency callable debentures, other securities representing interests in or obligations backed by pools of mortgage loans, commercial real estate assets and corporate debt…

    …The Company uses its capital coupled with borrowed funds to invest in real estate related investments, earning the spread between the yield on its assets and the cost of its borrowings…

    …The Company’s principal business objective is to generate net income for distribution to its stockholders from its investments…

    …Under its investment policy, at least 75% of its total assets are comprised of high-quality mortgage-backed securities and short-term investments…

    …Annaly Management Company LLC is the Investment manager of the Company.”

     

     

  2. Armour Residential – ARR

    …this is our favorite…

    …first of all, the dividend yields are always around 14%…

    …and even though the stock price has gone down, it still gives us a steady monthly income…

    …second, it pays monthly…

    …and it’s pretty cheap right now at only $3.00/share…

    …buy some shares and spend more time at the beach!

    …per E-trade…

    …”ARMOUR Residential REIT, Inc. is engaged in investing and managing a portfolio of residential mortgage backed securities (MBS)…

    …The Company’s securities portfolio consists primarily of Agency Securities backed by fixed rate home loans. The Company is externally managed by ARRM…”

     

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  3. Gladstone Commercial Corp Com – GOOD

    …I actually don’t own any of this stock, but it does pay monthly and it’s ticker symbol is GOOD!!!

    …dividends are at 8%…

    ..per E-trade…

    “Gladstone Commercial Corporation is a real estate investment trust (REIT)…

    …The Company is engaged in investing and owning net leased industrial, commercial and retail real property and selectively making long-term industrial and commercial mortgage loans…

    …The Company conducts all of its activities through Gladstone Commercial Limited Partnership (Operating Partnership). The Company controls its Operating Partnership through its ownership of GCLP Business Trust II, which is the general partner of its Operating Partnership, and of GCLP Business Trust I, which holds all of the limited partnership units of its Operating Partnership…

    … The Company’s business is managed by its external adviser, Gladstone Management Corporation. The Company offers administrative services through Gladstone Administration, LLC…

    …The Company generates its investments from the ownership of income-producing real property or, to a much lesser extent, mortgage loans secured by real property…”

     

…when I first learned about REITs my mind was blown…

…I can be the lender instead of the one paying the mortgage!

…if you love this post too then spread it around and share it with your facebook wall, twitter fans, all your peeps…

…let’s make the world a wealthier place!

Top 5 Money Tips on How To Earn Interest Or Dividends

Where can you make the most interest and dividends with your money?

…to be financially free, I always look for ways to make my money work for me and create passive income…

…read on to find the top 5 best ways to make interest and dividends with your money…

  1. Savings Accounts – American Express Personal Savings 0.9% Interest or APY

    …what is the rate on a savings account these days?

    …well, right now they range from 0.01% to 0.3%…which is really tiny!

    …I recommend the American Express Personal Savings account, which currently has an Annual Percentage Yield of 0.8%…

    …let’s say you want to save $1,000…

    …your interest per year would be $1,000*0.8% =$8.00…

    …per month that comes out to $0.66…

    …this is a good place to put your money if you need to have cash ready and available…

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  2. Bonds – Various rates up to around 1% Interest or Annual Percentage Yeild

    …there are various bonds available for purchase with your brockerage firm that will yield between 0.01% APY to around 1% APY…

    …they vary in how trustworthy the company is that you are lending your money to…

    …in addition, there are different terms for your investment…

    …I don’t put money in bonds because I currently have debt and am using the 3rd tip coming up next…

    …however, you have no debt, then this is a very popular way to make interest and dividends on your money…

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  3. Lending Money To Yourself From Savings to Pay off Debt – 16% Interest or APY

    …this is a simple way to make your money work for you…

    …it works even more if you are the type to spend before you have the money and currently have credit card debt…

    …save up a nice cushion of say $10,000.00 in your American Express Personal Savings account…

    …then, instead of using a credit card to make a purchase for a plane ticket or an appliance…

    …borrow from your savings and pay yourself back with say 3% interest…

    …I borrowed money from my 401K to pay off various loans, and I pay it back at 3%…that interest all goes to me!

    …so, for example, say you owe $1,000.00 on a credit card at 12.99%….

    …per year you are paying interest to your credit card company of $1,000 * 12.99% = $129.90 a year…

    …which equals $10.83 / month that you are paying someone else…

    …say instead you borrow the $1,000.00 from your savings, pay off the full balance of the credit card, and then pay yourself back at 3% interest…

    …for one year, interest you would pay yourself would be $1,000.00 * 3% = $30/year…and $2.50/month…

    …for our example, let’s say you pay off your credit card before the due date and don’t pay any interest, because you paid with your savings…

    …let’s say you pay back your savings in 1 month…

    …you will have earned $10.83 in saved interest +$2.50 in interest you paid to your savings…

    …that’s an earnings of $13.33 on a $1,000.00 loan…

    …that is equivalent to an APY or Annual Percentage Yield of 16%!!!

    …now that sure beats the interest you are earning in your savings account…

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  4. Investing in Dividend Yielding Stocks – up to 16% Annual Dividends

    …there are stocks that will pay shareholders (people who own the stock) dividends…

    …some examples are Verizon (VZ – 4.39% Dividend Yield), Disney (DIS – 1.04% Dividend Yield), AT&T (T – 5.58% Dividend Yield)…

    …I personally like to invest in Real Estate Investment Trusts like Armour Residential REIT (ARR – 15.69% Dividend Yield)…

    …when you buy the stock, you must be prepared for it to go up and down in value…

    …if you can handle the market movement, then you can make a lot more money with dividends from stocks than from savings…

    …remember to hold onto your stocks when the price is low…don’t ever panic and sell unless you know for a fact that the company is closing down…

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  5. Investing in a Profitable Home Based Business – Depends on your effort

    …I also invested into a blogging home based business…

    …this gave me a lot of money in tax savings and now also brings in monthly income…

    …though my results aren’t typical, I’ve made up to $600.00 / month in recurring monthly income…(see income disclaimer at http://WorkWithMey.com/income)

    …in fact, you are on one of the blogs that bring in this income for me…

    …and I’m writing about what I love!

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…find out how to blog about what you love and make money doing it!
Mey at the spa

Four Websites From Real People Becoming Financially Free

Have you been wondering how long it will take to become financially free?

What if I told you that experts who are already financially free say that it only takes 1 year…or 5 years!

Read on to learn from 4 websites that teach you how…

  1. Alexis Assadi

    Alexis Assadi became financially free after 3 years of work at the ripe old age of 26…yes, 26!

    Here his post on how to become financially free in 5 years…

    Click Here to Learn More About Alexis Assadi

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  2. Rich Dad

    Who brought financial freedom out to the masses?

    One of them would be Robert Kiyosaki and his wife Kim, and their RichDad website is an excellent resource on financial freedom education…

    The also have the Cash Flow game available that really trains your brain and actions to think constantly about passive income…

    Click Here to Learn More About Rich Dad

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  3. Tal Gur

    How would you like to go from $34,000.00 AUD in debt to Financially Free in JUST ONE YEAR?

    …sound too good to be true, well, why don’t you read Tal Gur’s story for yourself…

    (he also did an Iron Man…so I respect him even more)

    Click Here to Learn More About Tal Gur

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  4. Daniel Ameduri – Free at 30

    Have you ever worked so hard that you didn’t have time for your family and health?

    …well Daniel Ameduri did this in his twenties and when he hit his goal of financial freedom at age 30, he realized all that really mattered is living everyday to the fullest…

    …so his site counts his life in days, and focuses on your days and your journey through life towards financial freedom…

    Click Here to Learn More About Daniel Ameduri – Free at 30

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Three Financial Freedom Hacks That Will MAKE YOU YOUR OWN BANK

Why not be your own BANK?

Did you ever think that all that interest that you are paying to the bank could go to you instead?

I started out as most people do, borrowing on credit cards, then shifting the debt to personal loans with lower interest rates, then borrowing on the credit card again and having both loans and credit card debt, then cutting up the cards…

…all of that was really good for my banks…

….they got the interest and I finally realized, I needed to BE MY OWN BANK…

…so I learned 3 hacks that turned me into a bank….

CHECK THEM OUT

 

  1. The Savings 10% Hack

    In order to be your own bank, you need to have money to lend. The only way to do that is to save. The secret hack is to always save at least 10% of everything you make into a separate account…

    Most people do this with an automatic deduction from their paycheck to their 401K , or other brokerage account or a savings account.

    Remember, save at least 10% of what you make (after taxes!)

     

  2. Only Spend The Interest/Profit You Make From Your Savings

    Hack #2 is to keep your savings FOREVER, it will be passed on to your heirs or who you deem fit when you die. The reason is that we are making you a BANK, so you need to keep the money in the bank and USE IT TO MAKE YOU MORE MONEY.

    You can only spend the money that you make. An example would be if you saved $1,000. Then you lend it to yourself to pay off a credit card at 12%. You pay yourself back with interest of 3%. If you pay it off in a year, you make $30 in interest. You can spend that interest, and you keep the $1,000 in the savings to lend again.

     

  3. Start Saving NOW no Matter What

    Even if you think you are broke or spend more than you make, it’s important to start saving NOW. Save whatever you can, even if it is just $0.10/day (I started with this).

    As soon as you start, you have a bank…

    …and once you start, all your bank can do is GROW.

     

Blogging daily is a habit that I have that makes me real estate on the internet that also compounds in value over time, just like saving.
How?
When I write a blog post, it stays on the internet, giving value to people 24/7…
…if they find value from it, they may decide to pay me for products I sell, or courses that I teach…
…you get the picture…
…do you have something that you are an expert at, or that you just love talking or writing about?
…do you have something you can teach others that can give them value?
…you definitely want to get into blogging!
Just CLICK HERE, watch the free video, and get started today =)