Income & Expenses For June 2017

Since 2014, I have been tracking my monthly income and expenses. You can see a breakdown of every penny I earn and spend. For perspective, this budget is for a household of two in a small US city. By documenting my journey, I aim to demonstrate the feasibility of saving a significant portion of your income and provide some ideas and inspirations for your own budget.

Below are my income and expenses for June 2017. You can see all my monthly budgets here.

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	Jun 2017
Income
Wages	$10,296.36
Dividends	$2,520.23
Other Income	$49.82
Total Income	$12,866.41
Expense
Federal Income Tax	$735.83
Federal Tax Pmt/(Refund)
FICA-SS	$427.02
FICA-Medicare	$99.87
Housing	$450.00
Student loan repayment	$35.70
Food	$94.99
Gasoline	$28.64
Cell phone	$12.23
Electric	$43.04
Clothing/laundry	$10.14
Other Expense	$84.01
Total Expense	$2,021.47
Ex-Tax Total Expense	$758.75
Surplus/(Deficit)	$10,844.94
Before Tax Saving Rate	84.29%
After Tax Saving Rate	93.46%

Income
Wages remain my primary source of income by far.  Dividend income hit a new high.

Here is a chart of my dividend income by month for the past 13 months:

Total dividends for the trailing twelve months: $14,805.13, up 13.1% from $13,093.90 a year ago.

Expense
Monthly student loan repayment is now down to $35.70 after consolidation. Other expense includes $9.01 for household items and $75 for Amazon gift card due to one-time credit card offer for $25 cash back after spending $75 at Amazon. Since Amazon gift cards never expire, I will save it up to use for later. The other expenses were typical recurring expenses.

Total expenses for the trailing twelve months: $10,125.19, up 6.58% from $9,499.88 a year ago.
Dividend to expense coverage ratio = 1.46, another new high.

Savings
My after tax saving rate was 93.46% for the month of June 2017, exceeding my 90% saving rate target. I am optimistic that my saving rate will average above 90% for the remainder of the year.

2017 Mid-Year Review

2017 is half-way through. Here is an update on my progress on the five goals I set at the start of 2017.

1. Reach a net worth of $1,000,000.

Ahead of schedule. My current net worth is $999,181.64, which is only $818.36, or 0.08% short of target. I should reach $1M next month. For me to stay above the $1M mark at the end of 2017, I estimate the market can drop no more than 7% from the current level. A fall over more than 7% from the current level is unlikely. I would give this goal about 80% probability of success.

2. Receive $17,000 in dividends.

Behind schedule. My dividends received year-to-date is $7,532.56. That is only 44%, or less than half, the target. To meet the goal, my dividends for the second half of 2017 would have to be $9,467.44, representing 25% increase from the first half. That is a tall order. For comparison, last year the first half of 2016 I received 46% of the dividends for the year, which required about 17% increase from the second half. Though I might still meet this goal, I would rate it as unlikely at this point, probably 30% probability of success.

3. Save 90% of my after-tax income.

Ahead of schedule. Currently, my after-tax savings rate is 91% ytd. My income is likely to increase the remainder of the year, while expenses are expected to remain the same. I would give this goal about 95% probability of success.

4. Read 50 books.

Behind schedule. Excluding the Bible, I have read only 20 books so far, leaving 30 more to go. I was unsure how to account for reading the bible (i.e. count it as one, 66, or six??). At this pace, I would have to count the bible as 66 books to meet my goal for the year. Or I can start picking up the reading pace! My estimated probability of success (assuming conservative accounting of the bible as only 1 book) would be 20%.

5. Read the bible in one year.

On schedule. The app I am using to keep me on pace to read the bible in a year is doing a fantastic job. I have no trouble keeping it up only 10 minutes a day. I would give this goal about 95% probability of success.

Overall, I am on pace to meet 3 of my 5 goals. Currently, the probability of reaching all five goals is only a tad better than 4% (80%*30%*95%*20%*95%). To help reach all five goals, I need to spend extra effort on #4, which is mostly under my control. There is little I can do to help with goal #2. I can only invest however much I have and I would rather not assume greater risk by investing in high yield stocks. 

Portfolio Update June 2017

The time has come for my monthly portfolio update. At the end of every month, I will update my portfolio and comment on any changes. I do that for accountability and also so you may glean some ideas on how I allocate my capital. You have the opportunity to learn from what I do well, so you can do the same, as well as what I do poorly, so you will not have to repeat my mistakes.

Follow my real-time portfolio here. Below is a snapshot of my stocks and ETFs portfolio as of 6/30/17:

Ticker	Price	Shares Held	Cost Basis	Total Invested	Market Value	G/L ($)	G/L (%)	Weight
Total	$43.12	18332.72443	$34.58	$633,884.51	$790,418.96	$156,534.45	24.69%	100.00%
BDX	$195.11	172.847422	$85.62	$14,800.00	$33,724.26	$18,924.26	127.87%	4.27%
VWO	$40.83	733.22864	$39.39	$28,885.07	$29,937.73	$1,052.66	3.64%	3.79%
AFL	$77.68	317.7545	$48.47	$15,400.00	$24,683.17	$9,283.17	60.28%	3.12%
XOM	$80.73	285.421555	$80.25	$22,904.51	$23,042.08	$137.57	0.60%	2.92%
EMR	$59.62	372.642732	$50.80	$18,931.98	$22,216.96	$3,284.98	17.35%	2.81%
EXC	$36.07	574.787	$30.27	$17,396.43	$20,732.57	$3,336.14	19.18%	2.62%
NSC	$121.70	131.973	$76.53	$10,100.00	$16,061.11	$5,961.11	59.02%	2.03%
KO	$44.85	348	$41.57	$14,467.00	$15,607.80	$1,140.80	7.89%	1.97%
BRK.B	$169.37	92	$122.05	$11,228.54	$15,582.04	$4,353.50	38.77%	1.97%
MOCO	$30.00	517.375	$13.82	$7,150.00	$15,521.25	$8,371.25	117.08%	1.96%
AZO	$570.46	27	$712.00	$19,224.08	$15,402.42	-$3,821.66	-19.88%	1.95%
WMT	$75.68	198	$66.65	$13,196.52	$14,984.64	$1,788.12	13.55%	1.90%
BMTC	$42.50	337.89701	$23.97	$8,100.00	$14,360.62	$6,260.62	77.29%	1.82%
PG	$87.15	153.38	$69.87	$10,715.96	$13,367.07	$2,651.11	24.74%	1.69%
SPGI	$145.99	89.899521	$45.61	$4,100.00	$13,124.43	$9,024.43	220.11%	1.66%
VFC	$57.60	227	$57.56	$13,066.38	$13,075.20	$8.82	0.07%	1.65%
UL	$54.12	229	$41.80	$9,572.56	$12,393.48	$2,820.92	29.47%	1.57%
GILD	$70.78	174	$75.87	$13,202.24	$12,315.72	-$886.52	-6.71%	1.56%
LMT	$277.61	44.233058	$96.91	$4,286.67	$12,279.54	$7,992.87	186.46%	1.55%
NKE	$59.00	203	$51.28	$10,410.52	$11,977.00	$1,566.48	15.05%	1.52%
AZN	$34.09	344	$22.13	$7,613.49	$11,726.96	$4,113.47	54.03%	1.48%
MCD	$153.16	72	$104.07	$7,493.25	$11,027.52	$3,534.27	47.17%	1.40%
MSFT	$68.93	147	$40.12	$5,897.98	$10,132.71	$4,234.73	71.80%	1.28%
SON	$51.42	191.3477	$35.80	$6,850.00	$9,839.10	$2,989.10	43.64%	1.24%
YORW	$34.85	276.675	$21.51	$5,950.00	$9,642.12	$3,692.12	62.05%	1.22%
CVX	$104.33	91	$95.45	$8,685.87	$9,494.03	$808.16	9.30%	1.20%
ESLT	$123.75	70	$36.86	$2,580.05	$8,662.50	$6,082.45	235.75%	1.10%
PEP	$115.49	72.620244	$80.34	$5,834.51	$8,386.91	$2,552.40	43.75%	1.06%
INTC	$33.74	245	$27.34	$6,698.92	$8,266.30	$1,567.38	23.40%	1.05%
ABBV	$72.51	114	$61.84	$7,050.14	$8,266.14	$1,216.00	17.25%	1.05%
ED	$80.82	98	$70.40	$6,899.44	$7,920.36	$1,020.92	14.80%	1.00%
HCP	$31.96	245	$35.65	$8,734.17	$7,830.20	-$903.97	-10.35%	0.99%
NVS	$83.47	92.159	$73.79	$6,800.00	$7,692.51	$892.51	13.13%	0.97%
BUD	$110.36	68	$108.73	$7,393.41	$7,504.48	$111.07	1.50%	0.95%
KMB	$129.11	56	$115.30	$6,456.80	$7,230.16	$773.36	11.98%	0.91%
DIS	$106.25	67	$95.88	$6,423.84	$7,118.75	$694.91	10.82%	0.90%
T	$37.73	187	$33.89	$6,336.85	$7,055.51	$718.66	11.34%	0.89%
MAT	$21.53	327	$29.04	$9,494.55	$7,040.31	-$2,454.24	-25.85%	0.89%
NVO	$42.89	163	$38.92	$6,344.74	$6,991.07	$646.33	10.19%	0.88%
VMI	$149.60	45.479	$122.03	$5,550.00	$6,803.66	$1,253.66	22.59%	0.86%
BEN	$44.79	150	$35.26	$5,289.56	$6,718.50	$1,428.94	27.01%	0.85%
SNY	$47.91	137.976	$39.86	$5,500.00	$6,610.43	$1,110.43	20.19%	0.84%
BCR	$316.11	20.669072	$96.76	$2,000.00	$6,533.70	$4,533.70	226.69%	0.83%
PEG	$43.01	148.004	$30.07	$4,450.00	$6,365.65	$1,915.65	43.05%	0.81%
ATGE	$37.95	167	$22.09	$3,688.64	$6,337.65	$2,649.01	71.82%	0.80%
SAN	$6.69	925	$6.78	$6,273.42	$6,188.25	-$85.17	-1.36%	0.78%
VIAB	$33.57	177	$41.08	$7,271.21	$5,941.89	-$1,329.32	-18.28%	0.75%
CSX	$54.56	108	$21.04	$2,272.36	$5,892.48	$3,620.12	159.31%	0.75%
UHS	$122.08	47	$122.89	$5,776.00	$5,737.76	-$38.24	-0.66%	0.73%
RL	$73.80	76	$90.84	$6,904.03	$5,608.80	-$1,295.23	-18.76%	0.71%
VIG	$92.67	60	$59.80	$3,587.92	$5,560.20	$1,972.28	54.97%	0.70%
OGZPY	$3.98	1390.2431	$6.09	$8,464.47	$5,533.17	-$2,931.30	-34.63%	0.70%
SRCL	$76.32	72	$82.12	$5,912.79	$5,495.04	-$417.75	-7.07%	0.70%
FOSL	$10.35	522	$20.52	$10,711.06	$5,402.70	-$5,308.36	-49.56%	0.68%
VEA	$41.32	126.96554	$31.02	$3,938.54	$5,246.22	$1,307.68	33.20%	0.66%
AAN	$38.90	133	$22.62	$3,008.06	$5,173.70	$2,165.64	71.99%	0.65%
CTSH	$66.40	75	$53.00	$3,975.00	$4,980.00	$1,005.00	25.28%	0.63%
GPS	$21.99	200	$20.99	$4,197.60	$4,398.00	$200.40	4.77%	0.56%
LUKOY	$48.79	89	$49.38	$4,395.19	$4,342.31	-$52.88	-1.20%	0.55%
AN	$42.16	101	$46.53	$4,700.00	$4,258.16	-$441.84	-9.40%	0.54%
JNJ	$132.29	32	$61.42	$1,965.54	$4,233.28	$2,267.74	115.37%	0.54%
RBCAA	$35.70	118	$21.26	$2,508.83	$4,212.60	$1,703.77	67.91%	0.53%
CHL	$53.09	77.42	$47.44	$3,672.95	$4,110.23	$437.28	11.91%	0.52%
FOX	$27.87	146	$25.60	$3,736.97	$4,069.02	$332.05	8.89%	0.51%
CVS	$80.46	48	$88.52	$4,248.81	$3,862.08	-$386.73	-9.10%	0.49%
HPQ	$17.48	220	$8.89	$1,956.29	$3,845.60	$1,889.31	96.58%	0.49%
GIS	$55.40	69.215	$39.01	$2,700.00	$3,834.51	$1,134.51	42.02%	0.49%
DGS	$45.75	83.77	$44.07	$3,691.36	$3,832.48	$141.12	3.82%	0.48%
FISV	$122.34	30	$100.80	$3,024.00	$3,670.20	$646.20	21.37%	0.46%
HPE	$16.59	220	$9.77	$2,150.40	$3,649.80	$1,499.40	69.73%	0.46%
K	$69.46	52.099	$49.78	$2,593.58	$3,618.80	$1,025.22	39.53%	0.46%
SBRCY	$10.39	346	$6.18	$2,137.25	$3,594.94	$1,457.69	68.20%	0.45%
RHHBY	$31.80	112	$30.80	$3,449.74	$3,561.60	$111.86	3.24%	0.45%
HSIC	$183.02	19	$155.68	$2,958.00	$3,477.38	$519.38	17.56%	0.44%
FNDE	$26.62	129.85	$24.59	$3,193.03	$3,456.61	$263.58	8.25%	0.44%
BVN	$11.50	282	$9.23	$2,601.60	$3,243.00	$641.40	24.65%	0.41%
PII	$92.23	34	$76.53	$2,602.00	$3,135.82	$533.82	20.52%	0.40%
TIF	$93.87	33	$60.25	$1,988.40	$3,097.71	$1,109.31	55.79%	0.39%
BBBY	$30.40	101	$39.78	$4,018.08	$3,070.40	-$947.68	-23.59%	0.39%
GWW	$180.53	17	$176.47	$3,000.00	$3,069.01	$69.01	2.30%	0.39%
SBS	$9.52	307	$4.92	$1,510.38	$2,922.64	$1,412.26	93.50%	0.37%
PPL	$38.66	70.09	$23.92	$1,676.52	$2,709.68	$1,033.16	61.63%	0.34%
IBM	$153.83	17	$133.64	$2,271.92	$2,615.11	$343.19	15.11%	0.33%
DE	$123.59	21	$74.65	$1,567.56	$2,595.39	$1,027.83	65.57%	0.33%
WBA	$78.31	33	$36.78	$1,213.89	$2,584.23	$1,370.34	112.89%	0.33%
IJR	$70.11	35	$69.52	$2,433.20	$2,453.85	$20.65	0.85%	0.31%
DHR	$84.39	29	$79.24	$2,298.10	$2,447.31	$149.21	6.49%	0.31%
TLK	$33.67	72	$16.17	$1,164.01	$2,424.24	$1,260.23	108.27%	0.31%
HCN	$74.85	32.2743	$55.77	$1,800.00	$2,415.73	$615.73	34.21%	0.31%
CEO	$109.41	21.66	$144.63	$3,132.74	$2,369.82	-$762.92	-24.35%	0.30%
PAYX	$56.94	40.888	$33.02	$1,350.00	$2,328.16	$978.16	72.46%	0.29%
LLY	$82.30	28	$35.93	$1,006.02	$2,304.40	$1,298.38	129.06%	0.29%
OGS	$69.81	29.737	$33.63	$1,000.00	$2,075.94	$1,075.94	107.59%	0.26%
DISCA	$25.83	79	$24.99	$1,974.52	$2,040.57	$66.05	3.35%	0.26%
WFC	$55.41	32	$45.86	$1,467.50	$1,773.12	$305.62	20.83%	0.22%
DLTR	$69.92	25	$76.92	$1,923.08	$1,748.00	-$175.08	-9.10%	0.22%
TGT	$52.29	32	$59.00	$1,887.92	$1,673.28	-$214.64	-11.37%	0.21%
FSBK	$16.54	100	$4.51	$451.00	$1,654.00	$1,203.00	266.74%	0.21%
SJI	$34.17	47.1864	$24.37	$1,150.00	$1,612.36	$462.36	40.21%	0.20%
SGTZY	$4.29	371	$6.45	$2,392.73	$1,591.59	-$801.14	-33.48%	0.20%
BP	$34.65	44	$39.34	$1,731.17	$1,524.60	-$206.57	-11.93%	0.19%
WLK	$66.21	23	$44.00	$1,012.00	$1,522.83	$510.83	50.48%	0.19%
STRA	$93.22	16	$48.00	$768.00	$1,491.52	$723.52	94.21%	0.19%
ESRX	$63.84	23	$65.32	$1,502.37	$1,468.32	-$34.05	-2.27%	0.19%
OAOFY	$37.73	38	$28.59	$1,086.23	$1,433.74	$347.51	31.99%	0.18%
GGG	$109.28	13	$73.00	$949.00	$1,420.64	$471.64	49.70%	0.18%
CHKP	$109.08	13	$74.85	$973.05	$1,418.04	$444.99	45.73%	0.18%
CERN	$66.47	21	$47.80	$1,003.80	$1,395.87	$392.07	39.06%	0.18%
DXC	$76.72	18	$68.10	$1,225.77	$1,380.96	$155.19	12.66%	0.17%
MPC	$52.33	26	$18.83	$489.68	$1,360.58	$870.90	177.85%	0.17%
AXP	$84.24	16	$59.77	$956.29	$1,347.84	$391.55	40.94%	0.17%
POT	$16.30	77	$23.11	$1,779.18	$1,255.10	-$524.08	-29.46%	0.16%
RHI	$47.93	26	$36.06	$937.56	$1,246.18	$308.62	32.92%	0.16%
NNN	$39.10	31.532	$44.40	$1,400.00	$1,232.90	-$167.10	-11.94%	0.16%
TLSYY	$16.52	72	$14.78	$1,064.26	$1,189.44	$125.18	11.76%	0.15%
TESS	$13.30	88.983	$8.99	$800.00	$1,183.47	$383.47	47.93%	0.15%
MDLZ	$43.20	27	$17.63	$475.90	$1,166.40	$690.50	145.09%	0.15%
CICHY	$15.58	73	$13.64	$995.73	$1,137.34	$141.61	14.22%	0.14%
SCL	$87.14	13	$38.46	$499.98	$1,132.82	$632.84	126.57%	0.14%
TROW	$74.21	15	$67.00	$1,005.00	$1,113.15	$108.15	10.76%	0.14%
CAH	$77.92	14	$72.97	$1,021.58	$1,090.88	$69.30	6.78%	0.14%
MRK	$64.09	17	$34.30	$583.18	$1,089.53	$506.35	86.83%	0.14%
KSS	$38.67	28	$43.64	$1,221.96	$1,082.76	-$139.20	-11.39%	0.14%
VSS	$108.12	10	$87.82	$878.20	$1,081.20	$203.00	23.12%	0.14%
MYTAY	$8.67	124	$13.18	$1,633.71	$1,075.08	-$558.63	-34.19%	0.14%
BF.B	$48.60	22	$45.82	$1,008.04	$1,069.20	$61.16	6.07%	0.14%
SAM	$132.15	7	$135.16	$946.10	$925.05	-$21.05	-2.22%	0.12%
CMP	$65.30	14	$69.00	$966.00	$914.20	-$51.80	-5.36%	0.12%
BCMXY	$17.31	52	$16.07	$835.50	$900.12	$64.62	7.73%	0.11%
BIIB	$271.36	3	$221.90	$665.71	$814.08	$148.37	22.29%	0.10%
ARLP	$18.90	41	$26.68	$1,094.01	$774.90	-$319.11	-29.17%	0.10%
PNW	$85.16	8.950159	$34.75	$311.00	$762.20	$451.20	145.08%	0.10%
RAVN	$33.30	22	$22.60	$497.20	$732.60	$235.40	47.35%	0.09%
AAPL	$144.02	5	$94.64	$473.20	$720.10	$246.90	52.18%	0.09%
PB	$64.24	11	$45.43	$499.73	$706.64	$206.91	41.40%	0.09%
AMGN	$172.23	4	$141.00	$564.00	$688.92	$124.92	22.15%	0.09%
EFSI	$31.25	22	$22.85	$502.70	$687.50	$184.80	36.76%	0.09%
KHC	$85.62	8	$25.41	$203.28	$684.96	$481.68	236.95%	0.09%
ICE	$65.92	10	$16.67	$166.66	$659.20	$492.54	295.54%	0.08%
TLKGY	$18.20	36	$19.78	$711.92	$655.20	-$56.72	-7.97%	0.08%
AEO	$12.05	54	$11.93	$644.35	$650.70	$6.35	0.99%	0.08%
IMBBY	$45.74	14	$62.93	$880.98	$640.36	-$240.62	-27.31%	0.08%
PDLI	$2.47	255	$6.05	$1,542.59	$629.85	-$912.74	-59.17%	0.08%
HFC	$27.47	22	$23.50	$517.00	$604.34	$87.34	16.89%	0.08%
CCFN	$48.00	12	$39.50	$474.00	$576.00	$102.00	21.52%	0.07%
IDCBY	$12.79	45	$12.18	$548.10	$575.55	$27.45	5.01%	0.07%
WTR	$33.30	17.149122	$29.16	$500.00	$571.07	$71.07	14.21%	0.07%
CLD	$3.53	158	$9.44	$1,492.23	$557.74	-$934.49	-62.62%	0.07%
BACHY	$12.24	45	$11.00	$495.00	$550.80	$55.80	11.27%	0.07%
HSY	$107.37	5	$90.47	$452.35	$536.85	$84.50	18.68%	0.07%
SB	$2.29	233	$7.99	$1,861.40	$533.57	-$1,327.83	-71.34%	0.07%
NAT	$6.34	82	$19.64	$1,610.79	$519.88	-$1,090.91	-67.73%	0.07%
NTTYY	$47.12	11	$22.30	$245.34	$518.32	$272.98	111.27%	0.07%
RLI	$54.62	9	$57.00	$513.00	$491.58	-$21.42	-4.18%	0.06%
BCS	$10.59	46	$14.02	$644.92	$487.14	-$157.78	-24.47%	0.06%
ORLY	$218.74	2	$234.00	$468.00	$437.48	-$30.52	-6.52%	0.06%
MPLX	$33.40	13	$8.59	$111.66	$434.20	$322.54	288.86%	0.05%
UNP	$108.91	3.612725	$110.72	$400.00	$393.46	-$6.54	-1.63%	0.05%
DPS	$91.11	4.140969	$96.60	$400.00	$377.28	-$22.72	-5.68%	0.05%
MRO	$11.85	27	$29.92	$807.79	$319.95	-$487.84	-60.39%	0.04%
TRGP	$45.20	7	$27.35	$191.42	$316.40	$124.98	65.29%	0.04%
IEMG	$50.04	6.25	$49.67	$310.46	$312.75	$2.29	0.74%	0.04%
HNNMY	$4.95	61	$6.53	$398.52	$301.95	-$96.57	-24.23%	0.04%
ATW	$8.15	33	$15.00	$495.00	$268.95	-$226.05	-45.67%	0.03%
CPLP	$3.40	75	$8.53	$639.48	$255.00	-$384.48	-60.12%	0.03%
DYN	$8.27	24	$29.77	$714.50	$198.48	-$516.02	-72.22%	0.03%
RAD	$2.95	66	$8.00	$527.84	$194.70	-$333.14	-63.11%	0.02%
LYG	$3.53	50	$3.24	$162.00	$176.50	$14.50	8.95%	0.02%
GSH	$24.86	4.59	$20.75	$95.24	$114.11	$18.87	19.81%	0.01%
AMC	$22.75	5	$18.00	$90.00	$113.75	$23.75	26.39%	0.01%
MVC	$9.86	11	$8.84	$97.28	$108.46	$11.18	11.49%	0.01%
VTI	$124.45	0.59938			$74.59	$74.59	#DIV/0!	0.01%
TSCDY	$6.72	11	$14.33	$157.63	$73.92	-$83.71	-53.11%	0.01%
QCCO	$0.62	113	$3.63	$410.25	$70.06	-$340.19	-82.92%	0.01%
BIVV	$60.17	1	$37.77	$37.77	$60.17	$22.40	59.29%	0.01%
PTR	$61.28	0.97	$99.24	$96.26	$59.44	-$36.82	-38.25%	0.01%
BK	$51.02	1	$25.01	$25.01	$51.02	$26.01	104.00%	0.01%
LGCY	$1.44	28	$15.62	$437.22	$40.32	-$396.90	-90.78%	0.01%
EVEP	$0.63	32	$21.84	$698.97	$20.16	-$678.81	-97.12%	0.00%
BPI	$14.76	1	$17.85	$17.85	$14.76	-$3.09	-17.31%	0.00%
BKS	$7.60	1	$8.70	$8.70	$7.60	-$1.10	-12.64%	0.00%
ALN	$0.50	15	$2.11	$31.65	$7.50	-$24.15	-76.30%	0.00%
LQD	$120.51	0.03087			$3.72	$3.72	#DIV/0!	0.00%
VGIT	$64.65	0.05105			$3.30	$3.30	#DIV/0!	0.00%
TIP	$113.43	0.02313			$2.62	$2.62	#DIV/0!	0.00%
SJNK	$27.97	0.06041			$1.69	$1.69	#DIV/0!	0.00%
VNQ	$83.23	0.0106			$0.88	$0.88	#DIV/0!	0.00%
VCSH	$80.04	0.00322			$0.26	$0.26	#DIV/0!	0.00%
ZAHLY	$0.01	23	$6.64	$152.72	$0.23	-$152.49	-99.85%	0.00%
DPK	$15.89	-100	$16.15	-$1,614.79	-$1,589.00	$25.79	1.60%	-0.20%
FAZ	$16.93	-100	$34.42	-$3,441.54	-$1,693.00	$1,748.54	50.81%	-0.21%
ERY	$13.54	-300	$13.49	-$4,047.39	-$4,062.00	-$14.61	-0.36%	-0.51%
TZA	$16.36	-450	$20.59	-$9,265.93	-$7,362.00	$1,903.93	20.55%	-0.93%

My transactions in June are listed as follows:

Stock	Action	Cost	Price per share	% of Portfolio
EDZ	Cover	$3,008.12	$15.04	0.31%
FOSL	Add	$2,750.00	$13.75	0.28%
AZO	Add	$1,726.00	$575.33	0.18%
GWW	Add	$1,014.00	$169.00	0.10%
XOM	Add	$944.16	$81.60	0.10%
SAM	Add	$527.60	$131.90	0.05%
IJR	Add	$488.60	$69.80	0.05%
BBBY	Add	$482.08	$30.13	0.05%
ORLY	Add	$468.00	$234.00	0.05%
AFL	Add	$434.17	$75.61	0.04%
SNY	Add	$369.19	$48.74	0.04%
EMR	Add	$314.92	$60.24	0.03%
SON	Add	$272.53	$50.66	0.03%
BMTC	Add	$268.65	$42.47	0.03%
BDX	Add	$200.00	$194.11	0.02%
DPS	Add	$200.00	$94.52	0.02%
UNP	Add	$200.00	$111.32	0.02%
GIS	Add	$200.00	$59.12	0.02%
NVS	Add	$200.00	$81.77	0.02%
YORW	Add	$200.00	$38.26	0.02%
VMI	Add	$200.00	$153.26	0.02%
EXC	Add	$152.49	$36.54	0.02%
NSC	Add	$80.09	$119.00	0.01%
SPGI	Add	$36.76	$146.11	0.00%
K	Add	$24.83	$73.03	0.00%
OGS	Add	$12.42	$70.97	0.00%
PNW	Add	$5.82	$88.48	0.00%
VTI	Add	$5.74	$125.46	0.00%
WTR	Add	$3.26	$31.35	0.00%
VEA	Add	$2.38	$42.27	0.00%
VWO	Add	$0.67	$41.26	0.00%
LQD	Add	$0.30	$118.58	0.00%
VGIT	Add	$0.30	$65.08	0.00%
TIP	Add	$0.24	$112.68	0.00%
SJNK	Add	$0.16	$28.52	0.00%
VNQ	Add	$0.08	$79.21	0.00%
VCSH	Add	$0.07	$85.37	0.00%
MAT	Reduce	-$4.37	$20.39	0.00%
AEO	Reduce	-$4.74	$11.40	0.00%
WMT	Reduce	-$5.04	$79.00	0.00%
MCD	Reduce	-$7.69	$151.08	0.00%
TGT	Reduce	-$12.59	$55.73	0.00%
AMC	Reduce	-$13.25	$23.85	0.00%
GPS	Reduce	-$13.65	$22.97	0.00%
FOX	Reduce	-$14.10	$27.23	0.00%
DISCA	Reduce	-$16.90	$26.30	0.00%
RL	Reduce	-$18.14	$71.42	0.00%
DIS	Reduce	-$24.43	$105.71	0.00%
KSS	Reduce	-$26.67	$37.24	0.00%
VIAB	Reduce	-$28.10	$34.79	0.00%
KO	Reduce	-$29.08	$45.23	0.00%
UL	Reduce	-$30.28	$54.17	0.00%
MSFT	Reduce	-$31.07	$69.91	0.00%
INTC	Reduce	-$32.96	$35.32	0.00%
VFC	Reduce	-$34.78	$56.21	0.00%
BRK.B	Reduce	-$36.55	$170.00	0.00%
NKE	Reduce	-$37.16	$52.85	0.00%
AAPL	Reduce	-$40.67	$143.61	0.00%
GOOGL	Reduce	-$43.76	$953.38	0.00%
BUD	Reduce	-$57.88	$112.94	-0.01%
AXP	Reduce	-$58.56	$80.41	-0.01%
K	Reduce	-$67.61	$72.93	-0.01%
PEP	Reduce	-$68.68	$117.14	-0.01%
KHC	Reduce	-$80.37	$91.23	-0.01%
HSY	Reduce	-$92.59	$114.88	-0.01%
ERY	Short	-$1,432.80	$14.33	-0.15%
DPK	Short	-$1,614.79	$16.15	-0.16%
TZA	Short	-$1,699.79	$17.00	-0.17%
	Bought	$14,793.63		1.51%
	Sold	-$5,679.05		-0.58%
	Net	$9,114.58		0.93%

Purchases
This month was interesting. I was forced to buy back 200 EDZ short position at $15.04 as my broker was unable to meet delivery obligation for the security. I locked in a profit of $2506.42, which is not bad but I would have preferred to let my profits ride here. I put in limit orders to sell 200 EDZ again at a higher price but EDZ has traded down since.

Last month, I had sold an out of the money covered put option on FOSL at 15.5 when it was trading close to $18, then again another out of the money covered put option at 12 when the stock fell to around $13. I thought those were great prices to get in on FOSL, but unfortunately FOSL kept free falling and dropped below $9, now recovered a bit to $10.35, but both put options I sold went solidly in the money and forced me to buy the stock at high prices in retrospect. I have now paid over $10k for my total position in FOSL worth $5403, a 50% loss. I don't think I have appetite to buy anymore of the stock at this point.

I also picked up some more XOM, AZO, GWW, SAM, BBBY and ORLY near 52-week low. These are high quality stocks that should recover eventually.

The rest of the purchases are part of monthly investment plans.

Sales
The fractional shares left in my loyal3 account were finally liquidated, totally around $930. Only whole shares were transferred to another brokerage account. In addition, I shorted more 3x leveraged inverse ETFs in ERY, DPK, and TZA. These will trend toward zero.

Here is how my assets, liabilities, and net worth have changed over the past month:

	Beginning balance on 6/1/2017	+ Cash inflow /(outflow)	+ $ P/L	= Ending Balance on 6/30/2017	% P/L	% Equity
ASSETS
Current assets
Cash	11,948.98	5,789.06	0.00	17,738.04	0.00%	1.78%
Bonds	12,373.21	(860.30)	148.16	11,661.07	1.20%	1.17%
Stocks	704,060.43	7,613.64	4,897.54	716,571.61	0.70%	71.72%
Total current assets	728,382.62	12,542.40	5,045.70	745,970.72	0.69%	74.66%
Tax-deferred retirement account	168,503.40	1,515.23	290.73	170,309.36	0.17%	17.04%
Roth IRA	73,753.55		710.99	74,464.54	0.96%	7.45%
Gold	13,662.93		(293.81)	13,369.12	-2.15%	1.34%
Other non-current assets	2,500.00	(500.00)	0.00	2,000.00	0.00%	0.20%
Total assets	986,802.50	13,557.63	5,753.61	1,006,113.74	0.58%	100.69%
LIABILITIES & EQUITY
Liabilities
Current liabilities	558.71	(25.00)	0.00	533.71		0.05%
Long-term liabilities
Student loan	6,420.97	(22.58)	0.00	6,398.39		0.64%
Other non-current liabilities	0.00	0.00	0.00	0.00		0.00%
Total liabilities	6,979.68	(47.58)	0.00	6,932.10		0.69%
Equity (net worth)	979,822.82	13,605.21	5,753.61	999,181.64	0.59%	100.00%

During June, my net worth increased 1.98% to $999,181.64, mainly due to net cash inflows (1.39%), in addition to P/L (0.59%). My net worth is getting so close the $1 mil milestone. Unless stocks drop precipitously within the next 30 days, I should reach it next month.

Below is a chart of my net worth since I started tracking on a monthly basis:


My monthly performance against the S & P 500 is shown below:

2017	My Portfolio Return	S & P 500 TR
Jan	2.39%	1.90%	Good
Feb	2.08%	3.97%	Bad
Mar	0.97%	0.12%	Good
Apr	2.22%	1.03%	Good
May	0.01%	1.41%	Bad
Jun	0.59%	0.62%	Bad
YTD	8.52%	9.35%	Bad

So far, during the first half of the year I am slightly trailing the index. I had 3 good months and 3 bad months, but unfortunately the good months were not enough to overcome the bad ones. Hopefully the second half of the year will be better for me. I plan on a mid-year review in another post. Stay tuned!