8/30/18 It all falls down again

So, it’s been two weeks since the last post and he has still been struggling.  Lifting weights one day a week, working several football scrimmages and games, and finishing up some of the last items that needed to be completed to sell their rental property.  He has struggled to keep up with his day to day plans that will help him achieve his long-term goals.  He continues to spread himself to thin and not just work certain items through to fruition and then gets stuck with many balls in the air which usually fall to the ground.

Over the weekend he went to the mall with his family.  He does love to spoil his wife and children even though financial freedom stresses him out.  He also loves to read books, this weekend he picked up a new book for him which is vitally important called One Year to an Organized Life.  Organization is below what you would consider a strong suit, it’s more like something that doesn’t even cross his mind.  You would think a man with a degree in Mathematics would have some organization skills, but he loves the order of math and struggles with order in most every other way.

He has also deleted most of the games from his phone because he knows that allows them to distract him from the things he most needs to accomplish.  Slowly inching forward, he has just about finished the introduction of the book and has seen several items just in the introduction that shows him how far he has to go.  This morning he did get up at his scheduled time of 4:15 a.m.  He didn’t get a workout in, but he did get some reading done in his new book as well as did the dishes before he got ready for work.  In the meantime, he also lolly-gagged around and wasted away more time than he would care to admit on social media.  After a quick shower and getting ready for work, he left the house around 6:30 to make sure he had plenty of time to get to the office by about 7:15.  He worked until 3:30, a day that was full of hours upon hours of meetings.  He does a pretty good job of being decisive at work, which makes him question whether doing that all day negatively impacts his mental state away from the office.

After getting home from work around 4:15, he again kind of just laid around and wasted time until he had to get his son to karate.  They left for the dojo around 5:15 and went for just one class tonight.  It was a great time while they were there, he read his book for a while and wrestled with his daughter on the mats for a while too.  On the way home, he stopped and got pizza since his wife was at work.  They ate dinner together at the table, he put Mickey Mouse on for his daughter to watch after getting her ready for bed.  They watched it together and then he went talked to a few of his officiating buddies to plan the weekend of football games.  After putting his daughter to bed it was too late to work on finishing the frame for her bedroom so he called it a night and planned out what he was going to work on the next day.


8/14/18 The Beginnings of Change

After many years of lip service, he finally sat down and forced himself to start putting on paper the things that were trapped inside his head.  The things that haunted, pushed, pulled, and generally just overtook his mind on a day-to-day basis.  That sounds easy enough, but to someone who has always primarily kept his thoughts to himself and feigned strength to the outside world while he battled his internal thoughts it is not just so.  There he was, sitting in the dining room of his comfortable middle-class home, alone.  His family was off at his son’s karate class so he had the opportunity to really sit down and just let his brain spew things onto paper.  Business ideas primarily, because he had wrestled for years with the thought of working for himself and not just going to the office and doing the “normal” thing.  It was time for him to truly set a course in his life that he wanted, and not just pursue the things that he thought he should want.

The morning of 8/14 started the way most days started, he woke up at 4:15 a.m. and wandered downstairs to get ready for the day, only to fall asleep on the couch until 6:30.  Really, it was pretty normal for how things had been going for the prior two months.  After getting up from the couch, he hurried through the morning routine, shower, get ready for work, and then out the door, he went.  He arrived at work just before 8 a.m. and fumbled into his standard routine at the office.  Around 9 a.m. he went with a couple of colleagues to get some coffee in the cafeteria.  Then, back to his desk he went, where he idled through another hour before his first, and only, meeting of the day.  It was at the conclusion of that meeting that he realized he really needed to chart out his own day the way he wanted, and then find a way to follow that path.  Around noon, he met with a colleague that he worked with at a couple of previous employers and had a nice chat.  They discussed where their careers had gone since they last worked together about 5 years prior.  He had just continued to be a cubicle jockey, while his colleague, truly also a cubicle jockey, had jumped into the world of IT consulting.  The colleague seemed to really enjoy his freedom as a consultant, and also specifically mentioned that it paid quite well.  Through the afternoon he continued to push to complete the tasks that he needed to get done for the day, knowing that in the evening he would spend more time getting things out of his own head and onto the paper he would sit before himself.

Then came that brain dump, he started to formulate not just the ideas in his head but time frames, a schedule for his following day, as Jocko Wilink says Discipline Equals Freedom.


Why I Bought Unum Healthcare Today

In the past I have focused on two strategies for my stock investing.  The original one that I started with is what I would call “Quantitative, Fundamental, Technical”.  It focused on finding an industry sector that is performing well (Quantitative analysis).  From there I would start to dig into the best company fundamentally within that sector and then look at the technicals as well.  I would rank those companies that paid a dividend and also were profitable on 16 different aspects and then purchase shares in the one that came out with the best overall rating.

The second investing style that I started utilizing was strictly technically based.  I would look at short term, medium term, and a long term moving averages and then select those over different industries to diversify this portfolio.  To simplify this as much as I can to write this here is as follows:  I would watch for when the stock price was above the short term moving average and where the medium term had just recently crossed above the long term moving average.

My new system is strictly focused around the fundamental analysis of the business and starts with the P/E ratio.  If you look at the P/E ratio of Unum Healthcare, it is currently trading at 9.63 times their trailing earnings and 8.19 their forward earnings.  I’m looking at their historical average P/E ratios for the 5 and the 10 year terms, which are 15.12 and 10.88.  That puts Unum at 37% below their 5 year average P/E and 12% below the 10 year average.  Other positives in the fundamental valuations of the company are the P/B ratio where typically these companies are bought at values around 30% above their book value, Unum currently trades at 5% below their book value so if they were to be bought out you would look for a significant premium to be attached to a bid for their company.

Now for some tough spots that we have noticed on the fundamental side.  The current price is at 71 times the cash value that they have on hand.  The cash amount will be growing again though as they only trade at 8 times their free cash flow amount.

They do pay a decent dividend of 2.2% and over the past few years they have increased the annual dividend rate by 3.67% over the last 3 years and 9.14% over the last 5 years.  They have plenty of room to continue to grow that dividend as well, since their payout is only 20% of their current earnings.  If you are interested in the dividend they will be going ex-dividend on 4/27/16.  They are also buying back stock right now, which some people are not necessarily a fan of but I like that they are returning value to their shareholders.  The current closing price is right at the price where they averaged their buyback price from early 2015 at 33.75 a share.

Just this month they have entered into an agreement to purchase Starmount Life Insurance Company that they expect to be accretive by 2017.  This adds more potential revenue to the top line very quickly.

Lastly, and not that it even entered into my decision when purchasing this company I see that the company is trading above it’s 20, 50, and 200 day moving averages.  The 20 day and 50 day are both trending up, and will likely catch the 200 day soon.  It may be poised for a rally but if you put in a nice 20% stop loss this stock has the potential to run for quite some time going forward.

Happy investing,


feel free to reach out to me here on the blog, Twitter, Facebook, or at mealickinvesting@gmail.com.


New webpage

I kind of dumped this site for a new paid wordpress site about 6 months ago, but am thinking about resurrecting this one as well. I know in the past I had some readership here, and loved writing about anything and everything. That’s probably why my current site isn’t quite making it, because I haven’t been able to lock myself into writing consistently about one particular topic. I’m going to make this my general posting and probably post here about once or twice a week. If you have followed me here, and possibly enjoyed some my writing, I will be writing about my fitness journey over at www.getinshapehq.com. Thank you to everyone for your support and the other great writers that I have come across along the way because of this site. You challenge me to better myself!

Make every day great,

It’s been just over three weeks

Since I have posted an update out here on my blog. Honestly my social media usage has dropped considerably for the primary reason of, I am busy. I am in the midst of my third week of working full-time again as an underwriter. I am really excited to be back into doing something that I know so well. This underwriting role is considerably more fast paced than what I have done in the past but I think I am going to like that. Yesterday was the first day that I actually approved and declined some quotes. To go along with this, I have continued to work 12 hour days on the weekends at Abercrombie as well. I’m trying to work as much as I can to start cleaning up our finances.

Something else I love about my new position/company is the perk of the exercise facility. I hit the gym 3 times each week for the first two weeks, and already was there yesterday. I’m going to be headed that way very shortly as well. I have also been doing some running when I get home from work, usually after Cayden goes to bed. I put in a solid 5 mile run last night, and was able to keep my overall training pace at 8:58 a mile. It’s a stepping stone to get back to where I want to get to physically. Weigh-in Wednesday is coming up, and I am tracking my weight heavily now, I started at 207.4 lbs at my first weigh-in two weeks ago tomorrow. Yesterday I was 203.6 after my rowing workout. I’m trying to commit to getting in the best shape I can this summer, because I want to be able to run toward the front of our cross country team this fall when they go out to train.

Make every day great,

More good news this weekend

Some might not say that this is really that good of news, but to me I believe it is good news. After receiving an offer, accepting the offer, and completing the background and drug tests I am officially going to be starting next Monday. The other good news I got this weekend, is that I will be able to stay on with my current employer for Saturdays and Sundays. The good aspect of that, is that we will be able to start paying off some bills that have been nagging us for awhile. The negative aspect is that I won’t be able to go to church with the family still and will be working seven days a week.

My plan is to cleanup as much debt mess as we can over the summer, and then when it comes time for fall to put in for leave until the holiday season again following cross country season. Our team will have a fairly slim racing schedule, and only one weekday race, so I want to be there for every Saturday race I can. This year we are also going to push the kids to meet on Sundays to get a long run in, and I can go and run with the team there as well.

This week I will be working on the house some more, as we try to get it looking as good as possible so we can hopefully sell quickly. Again, I will be trying to get my mileage up as it completely fell apart after my great 5 miler on Monday last week.

Finally time

For a “big” announcement! It’s big to me, maybe not necessarily a huge deal out there for some people, but I have just gotten an offer to become a full-time underwriter! I have continued to work in different types of jobs since I left my position as an insurance agent in November, but this is the first time I will be able to improve upon the salary I was getting and put the paddles back to jumpstarting my career in insurance. I am very excited about the opportunity and will continue to espouse information here at my blog on a more consistent basis now that I have had that huge weight lifted off of my shoulders.

In other news, I have been starting to get fairly consistent at running again lately. Turning in a few 5 mile runs here and there, but now really trying to focus upon getting my mileage up to where I need to get it in order to run some successful 5k races. To go along with the running news, if you have followed my blog for any time, you know that I coach high school cross country. Last night I had one of the coolest experiences as a coach that I have ever had. I got to talk to the head cross country and track coach of a top notch college program, and have him give me some insight as to ways that I can improve upon our current workout program. I got so much information and I am humbly moved at his willingness to give off information.

Make every day great,