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Doctor Dividend  

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  • How Has Herbalife Kept The Game Going For So Long? [View article]
    Couldn't you say the same about the entire Wall Street market being an ethical issue?

    A serious question: Do people not complain about Pampered Chef because they are "tangible" items where you don't necessarily need to purchase monthly? Is the problem with HLF is that since the products are "consumable" that people will keep coming back monthly?

    Maybe the industry of networking marketing is not bad, but some of the network marketers that get into it are what makes the whole industry leave a sour taste. Reminds me of 2007-2008 when mortgage people were willing to give home loans who could only afford the interest but once the ARM part was done and the principal had to be paid, the economy got crushed. A few bad apples destroyed the legitimacy of most that were doing things ethically.

    My .02

    Jul 26, 2014. 10:26 AM | 4 Likes Like |Link to Comment
  • A New 2x Leveraged ETN Tracks Non-Energy MLPs And Yields 14% [View article]

    I think you need to look on a rolling three month basis. Those companies don't pay their distributions monthly, so it will be lumpy, or highly variable, what the distribution will be one month to the next.

    Jul 17, 2014. 09:19 AM | Likes Like |Link to Comment
  • Visa Is Only Expensive If You Can't Think 5 Years Ahead [View article]
    Interest at 12-23%
    Jul 13, 2014. 10:24 PM | Likes Like |Link to Comment
  • Visa Is Only Expensive If You Can't Think 5 Years Ahead [View article]
    One company that does what you are thinking of is a French company called Gemalto. I know because a neighbor used to work for them. But you would place your credit card/debit card info(still going to be DFS, V, AXP, or MA) into your phone. When you are at the register in Europe, you take your phone out, choose from the phone which card you want to use, I think a password is entered to make sure of no fraud, hold over the terminal (think Exxon's Speedpass at the gas pump), and a sound would ring to say transaction complete.

    So it is still on one of the big 4 networks. Nothing new. Just technology furthering the push to make the transaction faster. But in my owning a business, my CC rates are between 1.3-1.6% monthly. I don't do AmEx, but anything over 2% and you are getting hosed. If you need to know who I go through, just private message me.

    Jul 13, 2014. 10:22 PM | Likes Like |Link to Comment
  • Visa Is Only Expensive If You Can't Think 5 Years Ahead [View article]

    At current count, it's 1709 times. But who's counting.

    Jul 13, 2014. 10:10 PM | 1 Like Like |Link to Comment
  • A New 2x Leveraged ETN Tracks Non-Energy MLPs And Yields 14% [View article]
    From the looks of this, they could have called it 2x Leveraged Private Equity Firms incorporated as MLPs. Am I missing something?

    Jul 2, 2014. 11:08 AM | 1 Like Like |Link to Comment
  • The Federal Required Minimum Distribution Schedule As A Retirement Savings Withdrawal Strategy [View article]
    Clay, you just mirrored my thoughts exactly. It may AVERAGE to 4% per year, but than that standard deviation can kill you, especially if you retire and that first year is a -10-15%.

    Jun 30, 2014. 10:17 AM | Likes Like |Link to Comment
  • The New Chowder Rule And How To Find Value In Owner Earnings [View article]
    Your OEGR - how many years are you doing that over - ten as well?

    If you don't subscribe to Fastgraphs, could you just calculate the average growth of the Book Value using the numbers from Morningstar?
    Jun 27, 2014. 12:58 PM | Likes Like |Link to Comment
  • Multi-Generational Dividend Investing [View article]
    For those who are seeking the advisor route, I can think of 3 (I don't use any of them):

    Miller Howard investments (of Lowell Miller fame)
    Deschaine and Company (a FANTASTIC quarterly newsletter online)
    SA Commenter Doug Meeks

    Jun 25, 2014. 10:10 PM | 2 Likes Like |Link to Comment
  • 6 Dividend Stocks Working Even When I'm Not [View article]
    REITS are easy. Their dividends collected are just part of your ordinary income.

    Royalty trusts act like MLPs. Different tax form because of a return of capital and depreciation. They can be hairy if you have a bunch of them but the tax softwares these days handle them pretty well.
    Jun 20, 2014. 01:38 PM | 2 Likes Like |Link to Comment
  • How To Outlive Your Money: A Lesson From Canada [View article]

    A very loaded question as a ROTH is, IMO, way better than a traditional IRA. The biggest advantage is this:

    Although you don't pay taxes up front on what you put into an IRA, you pay income taxes on what is withdrawn in that calendar year AND you are required to withdraw a minimum distribution starting at 70.5 years old whether you need to or not.

    For a Roth, you pay taxes in the year you put money in. It grows without tax consequence like a traditional IRA. The big benefit is you can withdraw as much or as little as you want with zero tax consequence ON YOUR OWN SCHEDULE. You do have to wait 5 years after the initial funds to begin withdrawal but for those in their teens, 20s and 30s, this is of little consequence.

    If you have access to a Roth 401K through work, even better. I would much rather pay taxes now to stuff 15K per year into a tax-free withdrawal vehicle later.

    Jun 16, 2014. 03:06 PM | 1 Like Like |Link to Comment
  • Focus On High-Yielders With Growing Distributions [View article]

    I wouldn't buy any of the utes at this moment, except WEC and this goes back to a concept from Geraldine Weiss from Investment Quality Trends ( Looking from a dividend yield perspective, most companies have a range of when they are undervalued to overvalued from strictly a yield component. Most of the utilities are overvalued at this current time.

    Compare that to a company that has been getting its butt handed to it over the last 12 months: LINE/LNCO. The range for LINE over the last 10 years has been 9.5% when undervalued and yielding 7.5% when overvalued. At a current 10% yield, it is undervalued by its own historical measure. Can I wait it out even with no dividend increase? Yes, because I feel that management is smart enough to get out of this mess and my risk for capital loss is lower with the undervalued yield.

    Just food for thought.

    Jun 5, 2014. 02:01 PM | 1 Like Like |Link to Comment
  • Retirement Strategy: Dividend Investing And The Accumulation Phase [View article]

    why do you have to budget quarterly? Quarterly paying companies don't all pay March, June, Sept, Dec. They all differ, so you will have monthly income coming in. It just may not be the same amount each month.

    May 21, 2014. 08:44 PM | 1 Like Like |Link to Comment
  • Retirement Strategy: Dividend Income Investing And The Distribution Phase [View article]

    I am still years away from this but the way I understand it is the following:

    For the RMD: See the value of your IRA balance on December 31, 2014.
    The RMD must be taken by December 31, 2015 without penalty
    Taxes paid on the RMD by April 15, 2016.

    For the Roth Conversion: If you do a conversion by December 31, 2014, you include that as income to pay taxes by April 15, 2015.

    May 21, 2014. 09:23 AM | 1 Like Like |Link to Comment
  • Retirement Strategy: Dividend Income Investing And The Distribution Phase [View article]
    Here's a link for that book:
    May 20, 2014. 07:38 PM | Likes Like |Link to Comment