good financial site
www.minyanville.com
Tuesday, April 28, 2009
Saturday, April 25, 2009
FCID Insurance
*
*
click :
http://www.fdic.gov/news/news/financial/2008/fil08102a.html
MUST read:
You can calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator (EDIE) which is available at www.fdic.gov/edie.
If you have questions about FDIC coverage limits and requirements, visit www.myFDICinsurance.gov, call toll-free 1-877-ASK-FDIC or ask a representative at your bank.
On January 1, 2010, the standard coverage limit will return to $100,000 for all deposit categories except IRAs and Certain Retirement Accounts, which will continue to be insured up to $250,000 per owner.
*
*
*
click :
http://www.fdic.gov/news/news/financial/2008/fil08102a.html
MUST read:
You can calculate your insurance coverage using the FDIC's Electronic Deposit Insurance Estimator (EDIE) which is available at www.fdic.gov/edie.
If you have questions about FDIC coverage limits and requirements, visit www.myFDICinsurance.gov, call toll-free 1-877-ASK-FDIC or ask a representative at your bank.
On January 1, 2010, the standard coverage limit will return to $100,000 for all deposit categories except IRAs and Certain Retirement Accounts, which will continue to be insured up to $250,000 per owner.
*
*
Friday, April 24, 2009
China stock in US
*
*
http://firstrade.com/public/zh_tw/marketsnews/chinastocklist
It covers ALL China stocks traded in US stck markets (included NY/Amer/Nasdaq/Pink Sheets)
Quick link:
www.98.to/johnp8
*
*
*
http://firstrade.com/public/zh_tw/marketsnews/chinastocklist
It covers ALL China stocks traded in US stck markets (included NY/Amer/Nasdaq/Pink Sheets)
Quick link:
www.98.to/johnp8
*
*
Tuesday, April 14, 2009
Energy Outlook !
v
v
According to the Department of Energy, over the next two decades, 139 gigawatts of electricity generated by natural gas will come on line -- far outpacing that of nuclear, coal, or green energy.
And further, "900 of the next 1,000 power plants built in the United States will use natural gas."
Magellan Midstream Partners (NYSE: MMP),
ORA...is in geothermal - (another great alternative energy play).
??what is very HOT??
check out the closed end fund -- CUBA
fair valued at $7.34
*
*
v
According to the Department of Energy, over the next two decades, 139 gigawatts of electricity generated by natural gas will come on line -- far outpacing that of nuclear, coal, or green energy.
And further, "900 of the next 1,000 power plants built in the United States will use natural gas."
Magellan Midstream Partners (NYSE: MMP),
ORA...is in geothermal - (another great alternative energy play).
??what is very HOT??
check out the closed end fund -- CUBA
fair valued at $7.34
*
*
Sunday, April 12, 2009
Moving Tips :
*
>> Use the right boxes, and pack them carefully.
Try to use only sturdy, reinforced cartons.
Free boxes you can get at your supermarket are not nearly as strong,
so can't shield your valuables as well from harm in transit.
>> Use sheets, blankets, pillows and towels to separate pictures and
other fragile objects from each other and the sides of the carton.
>> Pack plates and glass objects vertically,
rather than flat and stacked.
Label those boxes clearly as **fragile items **
>> If you can't lift the carton easily, it's too heavy.
>> Label your boxes, especially the one containing sheets
and towels, so you can find everything you need the first night
in your new home.
>> You can lighten your load and reduce any storage space
you need to rent by hosting a garage or yard sale.
>> Fill a "MUST" carton containing snacks, instant coffee or tea bags,
soap, toilet paper, toothpaste and brushes, medicine and toiletry items
(ensure caps are tightly secured), flashlight, screwdriver, pliers,
can opener, paper plates, cups and utensils, a pan or two,
paper towels, and other items your family can't do without.
>> Let all your electrical gadgets return to room temperature
before plugging them in.
>> Read the inventory form carefully, and ask the mover to
explain anything you don't understand.
Make a note of your shipment's registration number, and keep your
Bill of Lading handy.
>> Use the right boxes, and pack them carefully.
Try to use only sturdy, reinforced cartons.
Free boxes you can get at your supermarket are not nearly as strong,
so can't shield your valuables as well from harm in transit.
>> Use sheets, blankets, pillows and towels to separate pictures and
other fragile objects from each other and the sides of the carton.
>> Pack plates and glass objects vertically,
rather than flat and stacked.
Label those boxes clearly as **fragile items **
>> If you can't lift the carton easily, it's too heavy.
>> Label your boxes, especially the one containing sheets
and towels, so you can find everything you need the first night
in your new home.
>> You can lighten your load and reduce any storage space
you need to rent by hosting a garage or yard sale.
>> Fill a "MUST" carton containing snacks, instant coffee or tea bags,
soap, toilet paper, toothpaste and brushes, medicine and toiletry items
(ensure caps are tightly secured), flashlight, screwdriver, pliers,
can opener, paper plates, cups and utensils, a pan or two,
paper towels, and other items your family can't do without.
>> Let all your electrical gadgets return to room temperature
before plugging them in.
>> Read the inventory form carefully, and ask the mover to
explain anything you don't understand.
Make a note of your shipment's registration number, and keep your
Bill of Lading handy.
Thursday, April 9, 2009
all about LOAN !
*
http://www.mykcpgroup.com
A FEW POINTS ABOUT INTEREST RATES !
>> The higher the interest rate,
the more interest that you have to pay.
>> The affordability increases if you use an adjustable rate mortgage
(it's easier to qualify this way).
>> Mortgage interest rates are affected by many
unpredictable political, economic and social events.
*
No guarantee what direction interest rates will go.
>> Make your financial decision based on where things are today
including your budget, your needs and your future plans.
>> Locking in rates assures your lowest interest.
If you do decide to lock in at a certain interest rate,
you will need to complete a loan application with your lender.
This must be done so that your commitment doesn't runout
prior to loan approval.
>> Follow up and be sure that the lender is receiving
all of the required documentation.
Get a property appraisal, (costs about $300),
through your loan agent as soon as possible.
*
http://www.mykcpgroup.com
A FEW POINTS ABOUT INTEREST RATES !
>> The higher the interest rate,
the more interest that you have to pay.
>> The affordability increases if you use an adjustable rate mortgage
(it's easier to qualify this way).
>> Mortgage interest rates are affected by many
unpredictable political, economic and social events.
*
No guarantee what direction interest rates will go.
>> Make your financial decision based on where things are today
including your budget, your needs and your future plans.
>> Locking in rates assures your lowest interest.
If you do decide to lock in at a certain interest rate,
you will need to complete a loan application with your lender.
This must be done so that your commitment doesn't runout
prior to loan approval.
>> Follow up and be sure that the lender is receiving
all of the required documentation.
Get a property appraisal, (costs about $300),
through your loan agent as soon as possible.
*
Tuesday, April 7, 2009
Foreign Stocks
RVSN TSU NPD VISN NWD YGE ESLR SOLF FEED SEED VIP SVA APWR THLD CRME CECE
still focus on Foreign Stocks
still focus on Foreign Stocks
Wednesday, April 1, 2009
The most-overlooked tax deductions
1. State sales taxes.
Although all taxpayers have a shot at this write-off, it makes sense primarily for those who live in states that do not impose an income tax. You must choose between deducting state and local income taxes or state and local sales taxes. For most citizens of income-tax states, the income-tax deduction is a better deal.
IRS has tables that show how much residents of various states can deduct. But the tables aren't the last word. If you purchased a vehicle, boat or airplane, you get to add the state sales tax you paid to the amount shown in IRS tables for your state, to the extent the sales tax rate you paid doesn't exceed the state's general sales tax rate.
The same goes for home building materials you purchased. These items are easy to overlook, and these add-ons could make the sales-tax deduction a better deal even if you live in a state with an income tax. The IRS even has a calculator on its Web site to help you figure the deduction, which varies depending on the state where you live and your income level.
2. Reinvested dividends.
This isn't really a deduction, but it is a subtraction that can save you a bundle.
If, like most investors you have mutual fund dividends automatically invested in extra shares, remember that each reinvestment increases your "tax basis" in the fund. That, in turn, reduces the taxable capital gain (or increases the tax-saving loss) when you redeem shares. Forgetting to include the reinvested dividends in your basis -- which you subtract from the proceeds of sale to pinpoint your gain-means overpaying your tax.
3. Out-of-pocket charitable contributions. It's hard to overlook the big charitable
gifts made during the year, by check or payroll deduction (check your December pay stub). But the little things add up, too, and you can write off out-of-pocket costs incurred while doing good works.
Ingredients for casseroles you prepare for a church or nonprofit organization's soup kitchen, for example, or the cost of stamps you buy for your school's fundraiser count as a charitable contribution. If you drove your car for charity in 2008, remember to deduct 14 cents per mile (or 35 cents a mile during the first half of the year and 41 cents per mile for driving during the last six months to aid victims of the floods and tornadoes in the Midwest).
Although all taxpayers have a shot at this write-off, it makes sense primarily for those who live in states that do not impose an income tax. You must choose between deducting state and local income taxes or state and local sales taxes. For most citizens of income-tax states, the income-tax deduction is a better deal.
IRS has tables that show how much residents of various states can deduct. But the tables aren't the last word. If you purchased a vehicle, boat or airplane, you get to add the state sales tax you paid to the amount shown in IRS tables for your state, to the extent the sales tax rate you paid doesn't exceed the state's general sales tax rate.
The same goes for home building materials you purchased. These items are easy to overlook, and these add-ons could make the sales-tax deduction a better deal even if you live in a state with an income tax. The IRS even has a calculator on its Web site to help you figure the deduction, which varies depending on the state where you live and your income level.
2. Reinvested dividends.
This isn't really a deduction, but it is a subtraction that can save you a bundle.
If, like most investors you have mutual fund dividends automatically invested in extra shares, remember that each reinvestment increases your "tax basis" in the fund. That, in turn, reduces the taxable capital gain (or increases the tax-saving loss) when you redeem shares. Forgetting to include the reinvested dividends in your basis -- which you subtract from the proceeds of sale to pinpoint your gain-means overpaying your tax.
3. Out-of-pocket charitable contributions. It's hard to overlook the big charitable
gifts made during the year, by check or payroll deduction (check your December pay stub). But the little things add up, too, and you can write off out-of-pocket costs incurred while doing good works.
Ingredients for casseroles you prepare for a church or nonprofit organization's soup kitchen, for example, or the cost of stamps you buy for your school's fundraiser count as a charitable contribution. If you drove your car for charity in 2008, remember to deduct 14 cents per mile (or 35 cents a mile during the first half of the year and 41 cents per mile for driving during the last six months to aid victims of the floods and tornadoes in the Midwest).
Homebuyers tax credit !!
The credit goes to first-time buyers and that's anyone who hasn't owned a home during the previous three years and whose income isn't so high that Congress doesn't think they need the help.
The credit disappears as income rises from $75,000 to $95,000 on single returns and from $150,000 to $170,000 on joint returns.
** Now folks who buy their first home in 2009 between January 1 and November 30, get an $8,000 credit that's really a credit. It >never< has to be paid back.
DO check with your CPA.
The credit disappears as income rises from $75,000 to $95,000 on single returns and from $150,000 to $170,000 on joint returns.
** Now folks who buy their first home in 2009 between January 1 and November 30, get an $8,000 credit that's really a credit. It >never< has to be paid back.
DO check with your CPA.
Monday, March 30, 2009
EFT usage :
As U.S. govt is printing more dollar bills,
we will have infaltion problem by 2014 .
use Commodity (com) EFT to protect ourselves:
com.........LONG............. short
gold ........ GLD ...................GLL
silver ...... SLV ....................ZSL
oil ........... USO .........................
N.gas........UNG ........................
use Currency (cur) EFT to protect ourselves:
cur........... LONG.............. short
EURO ........ FXE .................EUO
UK ............ FXB .......................
JPN ........... FXY ................YCS
AUS ...........FXA ........................
use Country (cou) EFT to protect ourselves:
cou.......... LONG............... short
china........ FXI ..................EXP
emerg ...... EEM .................EEV
jpn............ EWJ .................EWV
eur/aus......EFA .................EFU
use Index (ind) EFT to trade :
ind........ LONG............. short
dow. ........ DIA ................DOG
s&p... ....... SPY ................SH
nsd ......... QQQQ...............PSQ
Russ ..........IWM ..............RWM
2009 hot EFTs to invest :
china........... FXI
emerg.......... EEM
bank ............XLF
gold..... ....... GLD
oil ...................... USO
green energy.......PBW
materials.............XLB
real estate .......... XHB
tech.....................XLK
corp bonds..........HYG
euro ...................FXE
we will have infaltion problem by 2014 .
use Commodity (com) EFT to protect ourselves:
com.........LONG............. short
gold ........ GLD ...................GLL
silver ...... SLV ....................ZSL
oil ........... USO .........................
N.gas........UNG ........................
use Currency (cur) EFT to protect ourselves:
cur........... LONG.............. short
EURO ........ FXE .................EUO
UK ............ FXB .......................
JPN ........... FXY ................YCS
AUS ...........FXA ........................
use Country (cou) EFT to protect ourselves:
cou.......... LONG............... short
china........ FXI ..................EXP
emerg ...... EEM .................EEV
jpn............ EWJ .................EWV
eur/aus......EFA .................EFU
use Index (ind) EFT to trade :
ind........ LONG............. short
dow. ........ DIA ................DOG
s&p... ....... SPY ................SH
nsd ......... QQQQ...............PSQ
Russ ..........IWM ..............RWM
2009 hot EFTs to invest :
china........... FXI
emerg.......... EEM
bank ............XLF
gold..... ....... GLD
oil ...................... USO
green energy.......PBW
materials.............XLB
real estate .......... XHB
tech.....................XLK
corp bonds..........HYG
euro ...................FXE
?why - EFT
Advantages of EFT :
>> trade just like stocks
>> low managment fee
>> can long and short the market
>> trade just like stocks
>> low managment fee
>> can long and short the market
Major financial mistakes :
>> No retirement plans (IRA/401K)
>> Renting for life
>> Credit Card *Slave (never pay off the balance)
>> Spending more than earning
>> Change car every2 yeras
>> No car/health insurances
>> No emergency reserves
>> DYI ... no PRO help !
>> finally, wrong partner
use http://www.creditscoredating.com/news2.htm
>> Renting for life
>> Credit Card *Slave (never pay off the balance)
>> Spending more than earning
>> Change car every2 yeras
>> No car/health insurances
>> No emergency reserves
>> DYI ... no PRO help !
>> finally, wrong partner
use http://www.creditscoredating.com/news2.htm
Sunday, March 29, 2009
to qualify a loan * fast !
>> verified gross income * about $55000
>> credit rating score * above 740
>> down payment is 20% (no PMI needed)
>> additional cash reserve is also needed
>> home price is about $310K
>> current int. rate is about 4.85% (30yr/fix)
>> can use buy down ... ONE point cuts 0.25 %
Tips
## Avoid *short sale transaction
## Avoid FHA financing (cost is high)
## Go for REO (bank owned) property
>> credit rating score * above 740
>> down payment is 20% (no PMI needed)
>> additional cash reserve is also needed
>> home price is about $310K
>> current int. rate is about 4.85% (30yr/fix)
>> can use buy down ... ONE point cuts 0.25 %
Tips
## Avoid *short sale transaction
## Avoid FHA financing (cost is high)
## Go for REO (bank owned) property
As fo April , 2009
Housing Market Situation :
>> take about 180 days to sell
>> average price is about $310K
>> price has dropped about 37 %
(from $500K to $310K approx.)
???????????????????????
??why?? priced at $310K
???????????????????????
** fixed int. rate is 4.85%
** average household income is $55K
** with 20 % cash down
based on above data,,
buyers will qualified for $310K house .
This is just a general guideline,
and I am not a real estate agent!
>> take about 180 days to sell
>> average price is about $310K
>> price has dropped about 37 %
(from $500K to $310K approx.)
???????????????????????
??why?? priced at $310K
???????????????????????
** fixed int. rate is 4.85%
** average household income is $55K
** with 20 % cash down
based on above data,,
buyers will qualified for $310K house .
This is just a general guideline,
and I am not a real estate agent!
Fed Credit (FC) * first time buyer only
FC is now $8000 (was $7500 before)
FC is 10% of the pruchase price BUT
up to $8,000 max.
FC applies to all (first time buyer) home transations.
NOT limited to NEW built house only.
>> Consult your CPA for detail
Hint :
For example :
30 yr fix .. 4.80 %
15 yr fix .. 4.65 %
Get 30 yr/fix because of the narrow spread,
also ,
you can pay MORE every month if you want
to shorten the period later.
FC is 10% of the pruchase price BUT
up to $8,000 max.
FC applies to all (first time buyer) home transations.
NOT limited to NEW built house only.
>> Consult your CPA for detail
Hint :
For example :
30 yr fix .. 4.80 %
15 yr fix .. 4.65 %
Get 30 yr/fix because of the narrow spread,
also ,
you can pay MORE every month if you want
to shorten the period later.
FREE money * ($10,000 credit ) from Cal state
>> Property must be a new development.
>> Buyers must be first time home buyer with income under $95K.
>> Credit must be applied by Escrow within 7 days after
the escrow is closed. (donot do it by yourself)
>> $10,000 crdit is divided into 3 years ($3333 per year)
>> If buyers stay at the property less than 2 years,
buyers will have to pay back the credit.
Litmitation :
There is $100 mil for the new development fund.
ONLY about 100,000 buyer can take part.
Any question, email to : alcheng@usa.com
>> Buyers must be first time home buyer with income under $95K.
>> Credit must be applied by Escrow within 7 days after
the escrow is closed. (donot do it by yourself)
>> $10,000 crdit is divided into 3 years ($3333 per year)
>> If buyers stay at the property less than 2 years,
buyers will have to pay back the credit.
Litmitation :
There is $100 mil for the new development fund.
ONLY about 100,000 buyer can take part.
Any question, email to : alcheng@usa.com
Tuesday, March 24, 2009
Cal Bonds
Direct Link :
http://www.buycaliforniabonds.com/opportunities.asp
********************
Do i invest in it ?/
YES, Yes ,yes
i still believe in Cal
Contact : albert 800 287 8383
for details
http://www.buycaliforniabonds.com/opportunities.asp
********************
Do i invest in it ?/
YES, Yes ,yes
i still believe in Cal
Contact : albert 800 287 8383
for details
Saturday, March 21, 2009
).bmp)
Wednesday, March 18, 2009
SHORT ... T-bill??
.bmp)
Check out > 30 days T - bill
but, do NOT buy T - bill
US deficit is just too HUGH!!
but, do NOT buy T - bill
US deficit is just too HUGH!!
there are two ETF to SHORT on T- bill
namely,, PST and TBT
keep track with the 2 ETF and u see ?what happens
Tuesday, March 17, 2009
Templeton Global Bond Fund (TPINX)
managed by : Michael Hasenstab
"With inflationary pressures and a weaker dollar, the portfolio implemented a macro-driven, top-down strategy,"
says co-portfolio manager Joel Pena.
"We increased our position in the Templeton Global Bond Fund (TPINX Quote - Cramer on TPINX - Stock Picks). "
Templeton Global Bond Fund invests in South Korean, Mexican,
and Brazilian debt , among others,
to protect against the falling U.S. dollar.
"We increased our position in the Templeton Global Bond Fund (TPINX Quote - Cramer on TPINX - Stock Picks). "
Templeton Global Bond Fund invests in South Korean, Mexican,
and Brazilian debt , among others,
to protect against the falling U.S. dollar.
***************
Contact : albert
800 287 8383 for detail
***************
If you are 65 now ....
To .............. single.................single
Age ............. Female ............. Male
70 ............. 95.8 % ............ 93.3 %
75 ............. 89.3 % ............ 82.8 %
80 ............. 78.6 % ............ 68.0 %
85 ............. 62.2 % ............ 49.3 %
90 ............. 40.6 % ............ 29.5 %
95 ............. 19.4 % ............ 13.4 %
Source: society of actuaries -- annuity table
for sure, females out-live males based on above data
Age ............. Female ............. Male
70 ............. 95.8 % ............ 93.3 %
75 ............. 89.3 % ............ 82.8 %
80 ............. 78.6 % ............ 68.0 %
85 ............. 62.2 % ............ 49.3 %
90 ............. 40.6 % ............ 29.5 %
95 ............. 19.4 % ............ 13.4 %
Source: society of actuaries -- annuity table
for sure, females out-live males based on above data
Sunday, March 15, 2009
Outlook for 2009-2010
*************************************************************
Devloping coutries are the choice...
namely, Brazil, Russia , India, and China (BRIC)
and US , UK and EU will suffer !
Avoid US big cap stocks, ?why?
they have problems/hard time to maintain profits .
Avoid US treasury bills, ?why?
they pay only about 2% and
US dollar value will be down in long term.
_________________________________
the old way of buy / hold is not working ,
look at C or GM or HBC or even GE ,,
big well known companies are all down ( for the last 5 yrs )
the smart way is to invest in those *niche* companies --
(green/solar energy, stem cell research) for long term gain.
the new quick way is to TRADE stocks only !
Due to the daily stock market volatility,
up and down stock price movements
will result in instant gain/loss.
>>Invest in Global Bond funds for stable income.
also,
>>>China and India economy will take over US in the future.
*********************************************
age group Vs % of stock portfolio
20-30 ..... 70%
30-40 ..... 60%
50-60 ..... 50%
60-80 ..... 20%
the above is based on risk/return ratio and time factor ratio.
Seniors should lighten up on stock holdings !!
feel free to contact:
albert 800 287 8383
Thursday, March 5, 2009
Hugh house inventory !!
As for housing which is the root of our economy problem:house price will be FLAT for years to come.......??why??
too much inventory (unsold new homes and more foreclosures)
too few qualified buyers due to layoffs and unemployed
too costly to get credit due to the credit crush
In fact,, home prices will come down MORE
so the general public can afford to buy houses again.
Do study and use follow links :
http://98.to/latogc1
http://98.to/latogc2/
http://98.to/latogc3/
http://98.to/latogc4/
http://98.to/latogc5/
http://98.to/latogc6/
http://98.to/latogc7/
http://98.to/latogc8/
http://98.to/latogc9/
http://98.to/latogc10/
http://www.bestplaces.net/
http://people-press.org/
http://www.realtytrac.com/home.asp
To join our group at NO cost ,
Contact : albert 800 287 8383
(use NY time zone)
or email to : alcheng@usa.com
Monday, March 2, 2009
Chicago Style Stimulus !
3 contractors are bidding to fix a broken fence at the White House.
One is from Chicago, another is from Tennessee, and the third is from Minnesota.
All 3 go with a White House official to examine the fence.
The Minnesota contractor takes out a tape measure and does some measuring, then works some figures with a pencil. "Well," he says, "I figure the job will run about $900: $400 for materials, $400 for my crew and $100 profit for me."
The Tennessee contractor also does some measuring and figuring, then says, "I can do this job for $700: $300 for materials, $300 for my crew and $100 profit for me."
The Chicago contractor doesn't measure or figure,
but leans over to the White House official and whispers, "$2,700."
The official, incredulous, says, "You didn't even measure like the other guys!
How did you come up with such a high figure?"
The Chicago contractor whispers back,
"$1000 for me, $1000 for you,
and we hire the guy from Tennessee to fix the fence."
"Done!" replies the government official.
And that is how the new stimulus plan will work.
One is from Chicago, another is from Tennessee, and the third is from Minnesota.
All 3 go with a White House official to examine the fence.
The Minnesota contractor takes out a tape measure and does some measuring, then works some figures with a pencil. "Well," he says, "I figure the job will run about $900: $400 for materials, $400 for my crew and $100 profit for me."
The Tennessee contractor also does some measuring and figuring, then says, "I can do this job for $700: $300 for materials, $300 for my crew and $100 profit for me."
The Chicago contractor doesn't measure or figure,
but leans over to the White House official and whispers, "$2,700."
The official, incredulous, says, "You didn't even measure like the other guys!
How did you come up with such a high figure?"
The Chicago contractor whispers back,
"$1000 for me, $1000 for you,
and we hire the guy from Tennessee to fix the fence."
"Done!" replies the government official.
And that is how the new stimulus plan will work.
Sunday, March 1, 2009
Very True !
Success is not the matter of being the best and winning the race.
Success is the matter of handling the worst and finish the race.
Don't expect a great day , make one !!!
Think and plan ahead !
It was not raining when Noah build his Ark !!!
Success is the matter of handling the worst and finish the race.
Don't expect a great day , make one !!!
Think and plan ahead !
It was not raining when Noah build his Ark !!!
Wednesday, February 25, 2009
Study the following chart :
Just hope US is not following Japan route !!!Sorry, just by-pass Japan Stocks -- (look at Sony and Toyota)
*************************************************************
>>DIVINEND is the name of the game !
Buy funds with big, stodgy companies that pay regular dividends
and never do anything unexpected.
A dividend, after all, is a direct payment of a company's earnings to shareholders.
Over time, dividends play an enormous role in your total return.
For example, the Standard & Poor's 500 stock index has gained 726 % the past 30 years.
Toss in dividends though, and the index has soared 1,900 %.
One pick is the SPDR S&P dividend fund, an ETF that trades under the ticker SDY.
Also , the Wisdom Tree Total Dividend fund, - invests in a broad
spectrum of dividend-paying stocks. Its ticker is DTD.
2 more ... FAM and MAV ( do it at $8.00)
key=akc44akc
A dividend, after all, is a direct payment of a company's earnings to shareholders.
Over time, dividends play an enormous role in your total return.
For example, the Standard & Poor's 500 stock index has gained 726 % the past 30 years.
Toss in dividends though, and the index has soared 1,900 %.
One pick is the SPDR S&P dividend fund, an ETF that trades under the ticker SDY.
Also , the Wisdom Tree Total Dividend fund, - invests in a broad
spectrum of dividend-paying stocks. Its ticker is DTD.
2 more ... FAM and MAV ( do it at $8.00)
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