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  • Procter & Gamble: A Reliable Dividend Machine To Hold Forever [View article]
    I guess I want ROE to be steady over a ten year period ( some fluctuation is normal). It would also be nice if it is high - say over 15% - 20%. I see ROE as a proxy for returns for incremental capital that is put to work.
    Aug 17, 2014. 02:24 PM | Likes Like |Link to Comment
  • PepsiCo: Wide Moat Dividend Champion To Hold Forever [View article]
    Nice catch RAS..

    Yep, I meant PEP not PG.. Submitted edits..

    By the way, I have been following you for a while, and as I have gained some knowledge, I was wondering why do you do a SEP IRA and not a solo 401k?
    Aug 14, 2014. 09:24 AM | 1 Like Like |Link to Comment
  • Dividend Yield Or Dividend Growth: My Experience With Both [View article]
    I try to get a little smarter every day. I someone doesn't like that, and doesn't want to hear something that doesn't go well with their preconceived notions, I am totally fine if they never read my work again.

    If they want to insult me, insult my work, and call me names, that is not ok. I am actually happy that WMHilger1 will never read my articles again. I am hopeful he starts reading the work of other authors here. He is the type of reader I don't want to have - he gets something free of charge, he is unhappy with that, and wants to take resources he feels he is entitled to.
    Aug 11, 2014. 10:26 AM | Likes Like |Link to Comment
  • MLPs - Yes, They're Okay In Your IRA And Other Tax Questions Answered [View article]
    I held EPD in 2011, 2012 and 2013, and my UBTI (line 20V) was negative in all three years. I have held OKS in 2012, and 2013, and the UBTI was negative in both years.

    I did sell a portion of EPD in late 2013, and the rest at the very end of 2013, but that is another problem.

    I am holding some OKS in an IRA.

    This article is offering good information actually. My only objection is that per my research, when your basis in an MLP goes to zero, distributions are taxed at the preferential dividends/capital gains tax rates
    Aug 7, 2014. 02:39 PM | Likes Like |Link to Comment
  • Why Unilever Deserves To Be In Your Portfolio [View article]
    Actually, I don't think Unilever has ever cut dividends. For foreign based companies, I always go with the dividend in the local currency. In Unilever's case, I think they report the dividend in Euro, and then translate it into whatever else currency ( pounds, dollars etc)
    Aug 6, 2014. 11:27 AM | 1 Like Like |Link to Comment
  • Procter & Gamble: A Reliable Dividend Machine To Hold Forever [View article]
    Thank you for reading. Unfortunately, I cannot provide with personalized investment advice, since everyone's circumstances are different.

    Good luck in your dividend investing journey!
    Aug 6, 2014. 09:51 AM | 2 Likes Like |Link to Comment
  • Procter & Gamble: A Reliable Dividend Machine To Hold Forever [View article]
    Yes, finding a quality management talent is indeed challenging. The company is very large, but it is also type of company which can be run by a pumpkin ( Lafley is not an idiot, he is smart). If you get a good manager though, PG can do well for long-term shareholders.
    Aug 6, 2014. 09:50 AM | Likes Like |Link to Comment
  • Procter & Gamble: A Reliable Dividend Machine To Hold Forever [View article]
    Are you reading my mind?

    I was planning on doing something like that in the next few weeks. I can probably look at each separately..
    Aug 6, 2014. 09:48 AM | 2 Likes Like |Link to Comment
  • Procter & Gamble: A Reliable Dividend Machine To Hold Forever [View article]
    You are correct, this does sound confusing. I will try to submit an edit.

    In all fairness, this is a great company to hold forever, but it is my top 10 position. Which means for me, I would add to PG if I have the cash and I am low on other attractive ideas. Of course, if PG drops a lot to say below $70, I might consider adding there. My decision to buy a stock is sometimes complicated by a lot of factors, but is mostly dependent on what is available out there and the price at which it is available. For example, I bought WAG this morning, for the first time in almost an year and a half. Hope it goes down further.
    Aug 6, 2014. 09:47 AM | 2 Likes Like |Link to Comment
  • Dividend Investors Will Make Money Even If The Stock Market Closed For 10 Years [View article]

    January 2008 was not the market low.

    Get your facts straight.
    Jul 17, 2014. 11:01 PM | 3 Likes Like |Link to Comment
  • Dividend Investors Will Make Money Even If The Stock Market Closed For 10 Years [View article]

    I started dividend growth investing at the worst time possible - early 2008. That's when I started discussing my dividend ideas on my website, That's when I started republishing some of my articles on this site here.

    I kept putting money in stocks as the world was ending in 2008. Every month, like clockwork, putting money in quality dividend paying stocks.

    I kept adding money in 2009, 2010 etc, through inflation scares, double-dip recession scares, QE1, QE2, QE3, debt ceiling, etc etc.

    The past 7 years have been anything by EASY. They only look easy with the benefit of hindsight.

    I would be happy if stock prices fall by 25%. I would be ecstatic if stock prices fall by 50%.

    I always have someone telling me how stupid I am for doing what I am doing. I ignore their "opinions", stick to my plan, and enjoy life.

    In 4-5 years, income from dividends will be enough to cover my expenses
    Jul 17, 2014. 05:19 PM | 22 Likes Like |Link to Comment
  • Dividend Stocks Are Not Expensive And They Beat Cash In The Bank Any Day [View article]

    I was going to respond to you, but then I remembered a nice saying from Charlie Munger:

    "Never wrestle with a pig, for if you do, you will both get dirty, but the pig will enjoy it"
    Jul 8, 2014. 08:48 PM | 6 Likes Like |Link to Comment
  • How Warren Buffett Earns $900 In Dividends Per Minute [View article]
    I submitted an edit to say $900/minute.
    Jul 6, 2014. 08:07 PM | 2 Likes Like |Link to Comment
  • Companies I Am Considering For My Roth IRA [View article]
    Thanks for info TXWoodworker. Which broker do you use to hold those banks in an IRA?


    Jun 19, 2014. 11:56 AM | Likes Like |Link to Comment
  • Personal Dividend Objectives Versus The Market Environment [View article]
    I usually do not respond to comments, unless they are from someone who really doesn't know what they are talking about, yet are unusually cocky in their abilities ( or ignorant of the lack of those abilities). I am not trying to be mean or harsh with this comment, but I am writing it in order to educate Paul, and hopefully educate everyone here in order to prevent them from doing foolish things such as withdrawing 6% from a 50% stock/50% bond portfolio. Check this chart first:

    Paul's comments struck me as unusually arrogant, yet lacking much in substance. I found it particularly funny that he said this, since he doesn't have much factual substantiation behind his words: "That is a misleading and potentially frightening statement and I urge retirees with a $500,000 portfolio and $30,000 of annual expenses to disregard it. "

    How do I know he doesn't know what he is talking about? First, he talks about 6% withdrawal rate, but he also ignores inflation. Second, he supports a 6% withdrawal rate from a nest egg, by advocating a 50% stock/fixed income split without bothering to tell readers how this might have worked in the past. If he had bothered to learn about studies done on safe withdrawal rates, he would have learned that a 6% withdrawal could result in very short retirement spans, that could mean a very high probability of running out of money within 15-20 years or so.. I would not want be 80-85 years old, and running out of money. Pauls advise is really dangerous for retirees, because it tells them to use their retirement nest eggs the same way that people used to use their houses before the housing crisis. It is really dangerous because he expects smooth increases of stock prices, which of course never happens.

    I am just sitting here, thinking to myself, why do people like Paul exist? Why don't they bother to learn about market history before speaking out? I then remind myself that the market is full of people who never bother to learn, and are eventually washed out. Unfortunately, for people who follow Paul's advise, they might be in for a very very very crude awakening when they turn 80 or 85, and run out of money. I doubt many companies would hire someone at that age who also hasn't worked for 15 - 20 years..
    May 17, 2014. 11:43 AM | 1 Like Like |Link to Comment