This is part 2 of our conversation with the legendary PPC Ian (Ian Lopuch) about dividend growth Investing. In part 2 of this series we chatted about the following topics which were mainly driven by the listener questions: What Retail investors could be more aware about How PPC Ian developed his strategy over the years Whether he owns any Tech stocks and his thoughts about investing in Tech Philosophy regarding cash His thoughts about Danone vs Nestle How to avoid value traps How to engage kids with investing The sweet spot for dividend yield and dividend growth Disclaimer - Ian is a guest on our show for entertainment purposes. He is sharing his journey and is not providing financial advice. Throughout the show Ian will mention if he has a position in the companies that we talk about. This is just for transparency and is in no way a recommendation to purchase any of the companies talked about on the show. Final Thoughts: We hope that you enjoy today’s episode. We would appreciate it if you could leave us a review and  hit the Subscribe and Like button 👍. It means a lot to us! Follow us - PPCIAN youtube - https://www.youtube.com/channel/UCXtrYuGksGkkyls50lPWvYQ - Engineer My Freedom -🕊 https://twitter.com/EMF_01 - European Dividend Growth Investor - 🕊 https://twitter.com/European_DGI

In today's episode we chat to the legendary Ian Lopuch about dividend growth Investing. This is Part 1 of a 2 part series where we chatted about a wide range of topics including: Global Tax Credit Suisse How Ian got started in Dividend growth Investing Ian’s purpose from and Investment point of view Some European Stocks that Ian owns Disclaimer - Ian is a guest on our show for entertainment purposes. He is sharing his journey and is not providing financial advice. Throughout the show Ian will mention if he has a position in the companies that we talk about. This is just for transparency and is in no way a recommendation to purchase any of the companies talked about on the show. Final Thoughts: We hope that you enjoy today’s episode. We would appreciate it if you could leave us a review and  hit the Subscribe and Like button 👍. It means a lot to us! Follow us - PPCIAN youtube - https://www.youtube.com/channel/UCXtrYuGksGkkyls50lPWvYQ - Engineer My Freedom -🕊 https://twitter.com/EMF_01 - European Dividend Growth Investor - 🕊 https://twitter.com/European_DGI

In Episode 42 we discuss our Q1 2021 dividend portfolio results. But first some news 👉 EMF Discusses  WBA Earnings Microsoft army contract . 👉 EDGI Discusses TMSC $1oo Billion Dollar Investment For the main Topic, both hosts discuss their purchases and sales over the last 3 months, who the top performers are, and also how far to financial freedom they are Listener Questions: This week we received several questions again from our loyal listeners  Phil Segler - Not related to the topic, but a rather "philosophical" question: When should an investor be more greedy: The first time you open a position, or when you add more later on? (keywords: Averaging up/down, time in the market vs. timing the market). 2nd question to the topic in case that you do not cover it: Do you care at all how a benchmark performs? Taurus Invests - Must a stock have a minimum Div Yield to entice you? Odysseus - - Having a mix of EU/USA stocks which is the benchmark that you use? - How important is to beat the benchmark? - How was your performance against the benchmark used? From your current portfolio what company you see as a tenbagger? Dividend Wave - $IBM , $INTC done who is next on the chopping block and why? Tiago Diaz - What's your YTD return? Who was your best performer? Who was the worst? Wolf of Harcourt Street - What is an under the radar stock that you think will benefit from economies reopening? The Stoic Trader - May be something you have covered before, but when calculating your performance do you use TWR or IRR? EloySnowball - According to this graph, U.S. consumer staples have been the worst sector in Q1-21, still, it’s hard to find a cheap one (probably $GIS and $MO). What do you think, or you see more value in european staples? Tommy - What do you think about Allianz? Rafa Martinez Valera - Could you share your opinion on Broadcom Alex - Do you use any ESG/SRI (or anything similar) metrics when deciding which stock to include in your portfolio? Resources:   Violation tracker  https://www.goodjobsfirst.org/violation-tracker EDGI  - Guest Post - https://www.junginrente.de/4-attractive-european-dividend-stocks/ EMF post on IBM www.engineermyfreedom.com/ibm-should-i-bet-on-hybrid-cloud-growth/ Final Thoughts: We hope that you enjoy today’s episode. We would appreciate it if you could leave us a review and hit the Subscribe and Like button 👍. It means a lot to us! Follow us - Engineer My Freedom -🕊 https://twitter.com/EMF_01    - European Dividend Growth Investor - 🕊 https://twitter.com/European_DGI

Episode 41 sees us return to discuss Intel after the recent update from their new CEO. In Episode 31 European DGI was unsure about the direction and leadership of the company. Has his sentiment changed? 👉 EMF Discusses   Suez Canal European companies at loggerheads with China 👉 EDGI Discusses Siemens Healthineers acquisition  For the main topic, We discuss our latest thoughts on Intel Listener Questions: This week we received several questions again from our loyal listeners  Phil Segler - There seem to be a lot of supply chain issues happening right now (Texas Winter, semiconductor industry, other basic materials and plastics, Suez channel): Is this something you take into account for this year's strategy?  Centrino: With a lot of dividend stocks overvalued due to price appreciation, wouldn't it be smart to sell a portion of shares. Dividend Wave- your longer form feedback on $INTC unleashed. Tiago Diaz - The upcoming $UL annual general meeting is coming, and there's 26 resolutions to be voted on. Have you considered how you're going to vote? Which items will you reject? The NL Dividend Investor - Do you have a strategy or rule to buy solid companies that are always looking overvalued? Like Visa, Mastercard, Nike for instance. Dr P - Which sectors seem to be undervalued the most right now? I've been eyeballing and buying solid insurance companies with good dividend histories since last fall, for example. Are there other sectors worth screening for solid undervalued dividend growth companies right now? Joe - What are your favorite UK stocks (for dgi or or not). I want to add some GBP to my portfolio. ImagInvests - If you could only pick one dividend stock to sit on for 25 years, what would it be? Odysseus - I have a question for you guys. Which is the best and the worst Investor Relation Department/Site that you have come across so far?  I had some bad experiences with Air Liquide. Michel Christiansen: What do you think of IBM Resources:   https://www.youtube.com/watch?v=4gYdS7HCfrA www.youtube.com/watch?v=7b3yHdZqhoY https://europeandgi.com/dividend-etf/dividend-etf/ https://europeandgi.com/inspiration/chowder-rule/ https://www.engineermyfreedom.com/dividend-stock-fundamentals-analysis-template/   Final Thoughts: We hope that you enjoy today’s episode. While you're at it, don't forget to hit the Subscribe and Like button 👍. It means a million to us! Follow us - Engineer My Freedom -🕊 https://twitter.com/EMF_01    - European Dividend Growth Investor - 🕊 https://twitter.com/European_DGI

Episode 40 is another Jam Packed Episode with news on some of our favorite companies such as Danone and Nike. Our Main topic addresses investor sentiment regarding rising interest rates. And Finally, we answer Questions from the Community. 👉 EMF Discusses The Roblox IPO and if he is buying shares Nike Earnings Diageo’s Expansion in the US market 👉 EDGI Discusses Faber quits after investor pressure Starbux and the “rejected” $50 million reward proposal For the main topic, We discuss the difference in Inflation and interest rates and what this means for Dividend Growth investors. Listener Questions: This week we received several questions again from our loyal listeners Phil Segler - Rapid Fire Questions for you tonight: * Pharma or BioTech * Europe or North America * Cathie Wood or Warren Buffett Follow up from Piotr - And EU not only WE I am curious to hear the opinions of our two Experts about Russia especially, low CAPE and perspectives for cyclical as materials and energy. I am building the position there seeing the expensive US and WE Dividend Dane: Inflation - It’s likely that inflation is on the rise, and that it’ll go above 2% annually for an extended period. Seen numerous economists expect a decade of an avg. inflation of 2,5 - 3.0%. Lets just go with 2,5%. How will that impact the way you think, both with regards to investing, and your FIRE plans (the math changes when inflation goes up by 66%). Rafa Martinez Valera - my question: name a stock that you would love on your portfolio and you never bought because always seems too expensive Tiago Diaz - Do you keep track of the hidden fx fees when you buy non-euro denominated stocks with degiro? If so, how do you calculate and register them? I had a hard time keeping track of it, and it annoyed me that the numbers didn't match up, that I ended up leaving degiro over it... Daniel - Hi guys, great work with your podcast! Question: How would you currently invest a lump sum of 30.000€/US$? How many dividend stocks would you choose/ how much would you invest in each? Dividend Sjef - My question; I do my valuation, I set my margin of safety but sometimes, when stockprice hits value without my safety net, I just can’t control my emotions (and buy Winking face). ‘How’ do you handle this? Resources: https://www.globalxetfs.com/content/files/High-Dividend-Stocks-In-Rising-Interest-Rate-Environments.pdf https://europeandgi.com/dividend-etf/dividend-etf/ https://europeandgi.com/inspiration/chowder-rule/ https://www.engineermyfreedom.com/dividend-stock-fundamentals-analysis-template/ Final Thoughts: We hope that you enjoy today’s episode. While you're at it, don't forget to hit the Subscribe and Like button 👍. It means a million to us! Follow us - Engineer My Freedom -🕊 https://twitter.com/EMF_01 - European Dividend Growth Investor - 🕊 https://twitter.com/European_DGI

We have a Jam packed episode this week.  We had news on some of our popular companies such as Danone, Unilever, Shell and British American Tobacco. EMF discusses why he sold Coca Cola as part of a friendly debate with a regular listener and we take questions from the community.  👉 EMF Discusses  Verizon raising capital through the sale of bonds  Unilever Bans the word Normal from their beauty products  Football Index loses is gamblin licence in the UK  👉 EDGI Discusses British American Tobacco Takes 20% Stake in Organigram  Shell CEO takes large pay cut after bruising 2020  Danone's board to meet this weekend as activists pressure Faber to quit: Le Figaro  For the main topic:  EMF discusses the reasons why he sold coca cola  Listener Questions:  This week we received several questions again from our loyal listeners  Phil Segler - Any companies in your portfolio or watchlist that work in the field of Blockchain? (Technological engagement / industrialization of its use. No financial aspect or anything related to BTC)  Dividend Dane - Your Chowder experiment.- Has it made you consider some of your future investments and/or positions? When will @EMF_01 do the same exercise on his portfolio  Piotr - I liked the last one with valuation metrics so now would appreciate if you can cover efficiency metrics ie ROE ROA ROCE etc. Which ones do you use, if any? Do you recommend any particular one?  Sego Investor - Do you guys sell a company when is over performing in order to keep the balance of your portfolio? If yes what is the criteria? Thoughts on Roche?  The NL Dividend Investor - How happy are you that you are a dividend investor and you are not worried about the current volatility in the stock market? The volatility will even create opportunities to buy great companies at a lower price.  Tony One millionjourney.com - When do you guys expect to become financially independent following your DGI strategy?  Joapen - Related to risks of a company. How do you track, asses and review them? BI-Investor - Yes i have a Question , when we Look at $CME Group , Dividendmonster , yearly raising dividends and NEARLY every year Theres an extra Dividend. This extra ist 2-3times of the normal dividend. Should i calculate With or without this extra div? I think ITS Bonus but IT makes The Dividend yield different between  GP - Is there a schedule site for European dividends similar to dividenddata  William Pritchard - Most people seem to use a Dividend Reinvestment Plan for their dividends during the pre-retirement phase. How do you use your dividends? Do you DRIP? Or, do you pool them each month to buy or strengthen another position?   Resources:  https://barondeldividendo.com/agenda/ https://europeandgi.com/inspiration/chowder-rule/  https://europeandgi.com/stock-analysis/british-american-tobacco-will-it-help-you-in-building-a-better-tomorrow-bat-shares/  https://www.engineermyfreedom.com/should-i-buy-coca-cola-with-a-58-year-dividend-history/  https://www.engineermyfreedom.com/dividend-stock-fundamentals-analysis-template/  Final Thoughts:  We hope that you enjoy today’s episode. While you're at it, don't forget to hit the Subscribe and Like button 👍. It means a million to us! 

In this episode, we discuss some of the most popular methods to value a company.  --- 0:00 - Intro 3:06 - News of the week 14:47 - Our thoughts on the different valuation metrics 35:11 - Listener questions 53:30 - Stock pick of the week ---   We started with the news of the week: 👉  EuropeanDGI strikes again as we discuss Emanuel Fabel stepping down as CEO of Danone 👉 We discuss Chamath Palihapitiya and why virgin galactic dropped 18% 👉 finally we discuss the US treasury Yield and why it is important that it is rising so fast    Main topic: We discuss the following valuation metrics: P/E ratio, Price to Book, Price to Sales, PEG ratio, Dividend Discount Model, Discounted Cash Flow, Dividend Yield   Listener Questions: This week we received several questions again from our loyal listeners    Phil Segler - Which incoming dividend payment do you normally cherish the most? (For me - even though not the highest - I like my monthly $O the most). eDGI: Which CEO do you want to see next resigning? Dividend Wave - Which CEO is annoying you enough at the moment (and why?) that may deserve one of your tweets-of-soon-to-be-unemployed-CEO*? Dividendencheck - I recently saw a video from @ppcian about his speculation strategy. Do you also own more speculative stocks/assets or do you focus exclusively on dividend stocks ? Tommy - What do you think about $LEG Leggett & platt inc. great podcast! Arrozdetom - If there’s a 20-30% pull back in the market will you do anything special? A lot of people talk about consolidation of portfolio. What do you think about that? How often do you make buys in 1 month? I tend to do it all in one day so I don’t get tempted to time the market. Also i find a bit stressful to look at a stock hoping for a better entry point. Tony - What financial media do you read and would recommend to others?   Stock pick of the week: eDGI shares his stock pick of the week. This time a US dividend aristocrat?   Resources:   - Aswath Damodaran http://people.stern.nyu.edu/adamodar/New_Home_Page/biomission.html- Finding the WACC of a company: https://www.stock-analysis-on.net/ or www.finbox.io     Final Thoughts: We hope that you enjoy today’s episode. While you're at it, don't forget to hit the Subscribe and Like button 👍. It means a million to us!   At your service, - Engineer My Freedom -🕊 https://twitter.com/EMF_01     - European Dividend Growth Investor - 🕊 https://twitter.com/European_DGI ----   Useful links: - EMF’s  Blog: https://www.engineermyfreedom.com/ - European DGI Blog: https://europeandgi.com/

In this episode, we are running through some more earnings from Realty Income, BASF, Red Electrica and Munich RE and more! We started with the news of the week. 👉  AT&T made the headlines with DirecTV again. Check out our thoughts and maybe a mini rant from european dgi We discuss no fewer than 7 companies' earnings reports. It really is a marathon at this time of the year. But we love it! Listener Questions: This week we received several questions again from our loyal listeners Phil Segler - How did your risk tolerance develop over the years? How did the size of a "standard purchase order" develop? (Example for me in the beginning it was 1k, then for a bit rather 2...3k, now moving towards 4...5k per order) Dividend Dane - Question - “Falling in love” with certain stocks in both your portfolio and your watchlist is very common. Do you ever try to evaluate if there are better options out there? Piotr - Do you have any rules or hints for averaging down? Actually, I increased Unilever after first drop and now seeing further drops have no idea about further increases Tiago Dias - What do you think about using profit margins as a proxy to determine how high a companies PE ratio can be before it becomes a bad deal? i.e: $MSFT has around 36% profit margin, so a PE of 35 might be a better deal, compared to $ADM with margins around 5% and a PE of 17 Eduardo Garcia (aka Enzo):  HI DGI, questions for the next program AHOLD DEL... report some issues related to pension programs in USA and EU, this is good or bad? or maybe normal.  And why don’t European companies need to file something like a quarterly 10K? Final Thoughts: We hope that you enjoy today’s episode. While you're at it, don't forget to hit the Subscribe and Like button 👍. It means a million to us! At your service, - Engineer My Freedom -🕊 https://twitter.com/EMF_01 - European Dividend Growth Investor - 🕊 https://twitter.com/European_DGI ---- Useful links: EMF’s  Irish 5 including Glanbia https://www.engineermyfreedom.com/the-irish-5-the-five-best-irish-dividend-stocks/ Red Electrica Stock Analysis by European DGI: https://europeandgi.com/stock-analysis/red-electrica-a-juicy-dividend-yield-but-at-what-cost/

In this episode, we are running through some of the consumer staples earnings reports ($BN $WMT $AD $NESN ). The Big Question is - What will we both do with Danone after an 8% dividend cut? ---- We started with the news of the week. 👉 European Dividend Growth Investor shares an video on The RobinHood / GameStop hearings Check out the video: https://www.youtube.com/watch?v=7O0DiAJYReQ 👉 EMF shares FireHQ seminar. FIRE (Financial Independence Retire Early) is a lifestyle movement that is changing lives everywhere as it spreads throughout the world. Faced with the reality of a global pandemic so many people are looking for an alternative way to take control of their finances and in turn creating life freedom for themselves and their families. Check out the seminar here - https://www.firehq.ie Main topic: Consumer Staples reporting their earnings Few quick takes ($BATS $AMS:NN $ETR:ALV) Listener Questions: This week we received several questions again from our loyal listeners 1️⃣ Phil - Portfolio management: any sectors that are currently overweighted/underweighted that you want to adjust? 2️⃣ Dividend Dane 3F’s - Do you browse through a few selected? Like Berkshire Hathaways, to see what the big funds are doing? (I for one loved seeing Buffett buying +4 million shares of $ABBV) Link provided by dividend wave -  https://www.dataroma.com/m/home.php 3️⃣ DoctorInvesrsor - Someone as to ask...thoughts on Danone’s dividend cut? Will you guys keep it or sell it? Final Thoughts: We hope that you enjoy today’s episode. While you're at it, don't forget to hit the Subscribe and Like button 👍. It means a million to us! At your service, - Engineer My Freedom -🕊 https://twitter.com/EMF_01 - European Dividend Growth Investor - 🕊 https://twitter.com/European_DGI ---- Useful links: EMF’s top european dividend companies https://www.engineermyfreedom.com/top-10-european-dividend-growth-stocks-for-2021/ BATS by European DGI: https://europeandgi.com/2020/07/28/british-american-tobacco-will-it-help-you-in-building-a-better-tomorrow-bat-shares

In this episode, we are running through some or the earnings reports from this week ( $PEP $KO $CSCO $HEIA $RELX $OR ). It really feels like there isn’t coming an end to it, but this is also what we love so much. Great dividend growth companies reporting earnings and dividend increases. But before we go there, we will first introduce our guest Dividend Wave to you including some rapid FIRE questions. But like always, we also discuss the news of the week and a stock pick of the week.  We started with the news of the week.  👉 European Dividend Growth Investor shares an interesting fact about Bitcoin’s world wide energy consumption 👉 Dividend Wave shares the news about Tesla. The company started to buy bitcoin and he shared his thoughts about the accounting of it. 👉 EMF shares his reflection on the news that Tesla had to call back 12.000 cars to fix an issue Main topic: A brief look at the different companies reporting their FY 2020 earnings. Listener Questions: This week we received several questions again from our loyal listeners  1️⃣ Phil - Assume a market at ATH, what would you do: a) Stay with your key stocks, even if they are expensive b) Wait until markets cool down c) look for new companies on page 10 of google 2️⃣ Peter from Belgium (via email) Do you take into account double taxation of dividends when selecting a stock? For example: when I receive dividends from American stocks in Belgium it is taxed in the US at 15% and then again at 30% in Belgium. So almost half of the dividend is lost to taxes. 3️⃣ Rafa - Hi! I have a question, once you spotted a good company DGI, how do you assess when is the good moment to buy?do you trust only your CFdiscount model for valuation or do you look at PE forward, Shiller ratio, EV/EBITDA, FCF yield or FCF for Equity vs historical?  4️⃣ Richlan -  How do you develop a buying strategy. Like I'm having trouble deciding how big my positions in each stock should be? 5️⃣ Piotr - When starting to build a div portfolio would you go for high yield but low growing stocks to boost investing capital at the beginning or would you focus on lower yield but high div growth?what is your favorite austrian stock? Mine is "mayr melnhof" from a dividend growth point of view 6️⃣ Dividendencheck - What is your favorite Austrian stock? Mine is “Mayr Melnhof” from a dividend growth point of view. 7️⃣ Dapper Dividends - What is an underrated dividend analysis metric? Stock Pick Last but not least, Dividend Wave shares his stock pick of the week. This week he shares his thoughts about Home Depot   Final Thoughts: We hope that you enjoy today’s episode. While you're at it, don't forget to hit the Subscribe and Like button 👍. It means a million to us! At your service, - Engineer My Freedom -🕊 https://twitter.com/EMF_01    - European Dividend Growth Investor - 🕊 https://twitter.com/European_DGI - Dividend Wave - 🕊 https://twitter.com/DividendWave  ----  Links mentioned in the show: EMF’s post about Cisco: https://www.engineermyfreedom.com/cisco-q2-2021-earnings-review/  As mentioned by Dividend Wave: http://yieldchart.com/  As mentioned by European DGI: https://europeandgi.com/building-a-dividend-portfolio-my-allocation-strategy/