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Dale Roberts  

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  • Update: How To View The Transaction From A Shareholder's Perspective [View article]
    I sold all of my Tim's in two lots first and second day of announcement. Article to follow on moves, but over half went to BRK.B, ironically, but not because of the Tim's pref's, though that doesn't hurt the cause.

    BRK.B and Vanguard's Dividend Growth ETF VIG.

    Dale
    Sep 8, 2014. 03:26 PM | 1 Like Like |Link to Comment
  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    I think that would have been the experience for many if not the majority of dividend investors. But in the least, the risk and reality of dividend cuts should be addressed. Risk should never be ignored.

    The price drops are important as well. I would be the 'watching the dividends' goes out the window real quick for too many investors, when the portfolio falls 25% or 35%.

    Dale
    Sep 8, 2014. 09:55 AM | Likes Like |Link to Comment
  • Dear Americans & Canadians, It Will Be Ok [View article]
    It is called rationing of care. Barbaric. Really.
    Sep 8, 2014. 07:21 AM | 1 Like Like |Link to Comment
  • Dear Americans & Canadians, It Will Be Ok [View article]
    No, the U.S. model is just much more expensive, but much better all the same. Our is not very good by international rankings.

    The best systems in the world combine public and private in competition. Private is largely illegal in Canada (though it certainly exists, family doctors are essentially private businesses but they can't charge a market price). Our surgeons go on vacation after they reach their billings limit, instead of treating patients.

    Dale
    Sep 8, 2014. 07:21 AM | 1 Like Like |Link to Comment
  • In Defense Of The Shiller CAPE Ratio - It Works! [View article]
    Ha, thanks for that. Let's call it a dose of reality.

    Dale
    Sep 8, 2014. 07:16 AM | Likes Like |Link to Comment
  • Allocation Or Stock Selection - An Example [View instapost]
    Yup, no banks in that stock picker portfolio. Largely not what occurred back heading into the recession. Banks were dividend darlings and widely held. Yikes.

    Dale
    Sep 8, 2014. 07:14 AM | 1 Like Like |Link to Comment
  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    Also for clarity, wondering if you would share what your allocation to banks and financials was in 2007, and what was the effect on income for any dividend cuts, reductions or eliminations.

    The recession was tough times for all investors.

    Thanks, Dale
    Sep 8, 2014. 07:08 AM | Likes Like |Link to Comment
  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    Hi Chuck wondering where is the allocation to the financials (banks) that cut or eliminated their dividends? You had stated in a previous article that your model (or selection process) had directed you to a healthy allotment to the financials heading into the recession. Of course, many of those were the dividend growth darlings of the day.

    I think you'd agree the majority of dividend investors would have had a reasonable allocation to financials? Just like us Canadians who still hold many of the big banks and insurance companies as staples.

    Wondering why (for financials) you picked an insurance company that did not cut its dividend for the analysis?

    Dale
    Sep 8, 2014. 07:06 AM | Likes Like |Link to Comment
  • Allocation Or Stock Selection - An Example [View instapost]
    Wondering what the numbers would be for the simple dividend aristocrats index? Impressive I would imagine.

    That beats the market, and hence most (almost all?) investors. lol

    Dale
    Sep 8, 2014. 06:56 AM | Likes Like |Link to Comment
  • Allocation Or Stock Selection - An Example [View instapost]
    Great article and no surprise of course. Throw in 2-3 years of total spending in cash - and the results would likely be better for all portfolios? I hope Chuck allowed for the average draw downs and dividend reductions (income) through the recession?

    Hopefully there was no hand picking of those companies that did not experience cuts? ha, I will have to go have a read.

    That cash is important for dividend growth retirees as well.

    Thanks, Dale
    Sep 8, 2014. 06:54 AM | Likes Like |Link to Comment
  • Dear Americans & Canadians, It Will Be Ok [View article]
    The U.S. spends the same amount percapita on government funded health care, as per Canada.

    From Canada, Dale
    Sep 7, 2014. 07:31 AM | Likes Like |Link to Comment
  • DGI For Dummies: Managing Your Dividend Growth Portfolio [View article]
    No, but that's a good one as well. but I am referring to the Dividend Aristocrats within the S&P 500, 25 year dividend growth history.

    See Sure Dividend for lots of great stuff on the Aristocrats.

    The SDY is broader, more mid cap exposure?, from the SP 1500 index, with 20 year plus dividend growth.

    The aristocrats are now available in an ETF (NOBL), Vanguard's (VIG) has most of the Aristocrats. Or one could simply buy the total Aristocrat's total basket of your favourite 20 or 25 - that would likely replicate the index.

    I own VIG and will add in the missing Aristocrats.

    Another great fund is the Vanguard Managed VDIGX. It has a wonderful beat on the market. I would likely go that route if I was American. I will add in some of those picks as well. I already hold the Canadians in VDIGX.

    Dale
    Sep 7, 2014. 07:26 AM | 1 Like Like |Link to Comment
  • DGI For Dummies: Managing Your Dividend Growth Portfolio [View article]
    Well, you'd have more time for golf, and likely more money for golf. :)

    Dale
    Sep 7, 2014. 07:14 AM | 1 Like Like |Link to Comment
  • DGI For Dummies: Managing Your Dividend Growth Portfolio [View article]
    I just turned over half of my Whopping Tim Hortons profits over to BRK after they helped Burger King take over Tim's. Mostly because BRK outperforms even more in a downturn or correction. From 1965 there have been 10 down years, BRK was positive in all but 2. Mr. Buffet appears to be able to arrange income deals that are not available to the rest of us.

    BRK will have 9% pref's on the Tim's deal, etc.

    Dale
    Sep 7, 2014. 07:11 AM | Likes Like |Link to Comment
  • Why McDonald's Shouldn't Worry About The Burger King/Tim Hortons Deal [View article]
    McDonald's is number two to Tim Hortons in Canada - the only defined MCD market where McD's is number two in quick serve, in the world. So they bought a company that knows how to beat McDonald's.

    All said, I don't think they know what they have, or will be able to find synergies and borrowing for any real growth. I sold all of my Tim Hortons at Whopping profits.

    Dale
    Sep 6, 2014. 08:46 AM | 2 Likes Like |Link to Comment
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