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Regarded Solutions
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Retired, living in South Florida. We have been investing for 40 years and lean towards a conservative approach with dividend paying blue chips, as well as a small amount of short term risk plays. We hedge with option strategies, and watch trends. We have always handled our own portfolio, and... More
My company:
Regarded Solutions, Inc.
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  • I Am Announcing My Endorsement For The Presidency
    One of the things I value with Seeking Alpha is its insistence that the writers focus all published articles on investments and actions that investors can take to increase their portfolio value.

    I have learned an enormous amount from everyone here at SA, and have been blessed to have folks read my articles and actually like them enough to keep coming back. I am so appreciative of that.

    One area that I have been getting messages about is where I personally stand in the political arena.

    While i realize that policies in Washington DC can and has had an effect on Wall Street, I tend to shy away from a political debate.

    It gets us nowhere to define our investment goals with who we might vote for in the next election.

    That being said, I wanted to offer my point of view for whatever it is worth. I will be voting for the Office of The Presidency in the next election. I will be casting my vote for an American that has dedicated his life to public service.

    That public service could be of any area; Government, Military, Business, Education, Innovation. Whether a success or a failure, male or female, white, black, Hispanic, whatever. Of any religious background or none at all.

    My vote will be cast for a dedicated public servant that has decided to give of themselves for the greater good. With ideals that are not varied from, or swayed by popular opinion. Honesty and trustworthiness are vital issues in my voting booth as well.

    By leaning, I am a capitalist, a moderate conservative libertarian liberal. I believe in the United States of America and the system of government we have, will have, and that which many have fought and died to preserve.

    I believe in the good of our Nation and our population.

    I will be casting my Vote for an American, who holds those beliefs as I do.

    I am an American.....I am proud of whomever holds that office.

    Regarded Solutions

    Tags: Politics
    Jan 25 8:24 PM | Link | 11 Comments
  • To All Techies Out There
    Sometimes I run across articles from all sorts of publications that hit me squarely in the face, like a ton of bricks.

    Writing for Seeking Alpha has honed my skills to research better, and to locate hidden gems that nobody else has heard of or even know about, YET.

    PC Magazine, owned by Ziff Davis, Inc. which just recently purchased Toolbox.com, has an article every year of the top 25 new businesses that THEY feel are noteworthy.

    When PC magazine feels a company is noteworthy, it means a lot in the Hi-Tech world, and many people take notice.

    Some of the companies wind up as enormous public companies with amazing book values and market values.

    In this article; read this now one particular company that is mentioned within their top 25 is Bizodo.com

    I urge every reader to take a look at this company because from my view, your business can be made more profitable immediately, and at some point this company could go public.

    Bizodo.com is a form building website that can turn your intellectual property into virtual inventory, with value. THAT could transform an ordinary business into a cloud based success overnight.

    I hope you take a look at this article in PC magazine and also check out Bizodo.com

    RS

    Tags: Technology
    Jan 23 8:20 PM | Link | Comment!
  • Invest In An American Recovery With Bonds
    I have written exclusively about dividend and growth stocks as well as several higher risk plays and option strategies. I have received more than a few messages from readers requesting that I look at some bonds and funds, and write an article about several.

    One way to go is an individual bond. I like Municipal Bonds because they are tax free (federal) and give nice returns with very low risk

    Here is one I just found:


    CITY OF GREELEY, COLORADO

    WATER REVENUE BONDS

    SERIES 2012

    CUSIP number:392546
    S&P AA Rating
    Moody's Aa2 Rating
    Taxable Equivalent Yield: 3.5%
    Expected Price: $98.64

    Ok, now that is ONE option, but here is what I REALLY LIKE:

    I will tell you up front I am not a big fan of mutual funds simply because I cannot manage the holdings myself. A bond fund is different, in my opinion, because there appears to be less turnover in its holdings, especially when it is a well defined fund.


    Eaton Vance Build America Class "A" Bond Fund (EBABX) has caught my attention in my research. I believe it to be a sound addition to any income seeking portfolio and at today's pricing it is an attractive buy.

    What is EBABX?
    EBABX is a bond fund that invests more than 80% of its nest assets in taxable municipal obligation bonds of which the majority are "Build America Bonds". These bond holdings are the main focus of this fund.
    The AA or AAA ratings of most of the funds in this category implies a lower level of risk than ordinary municipal bonds, and therefore it could fit nicely into our core portfolio for income seeking investors as well as retirees.

    The Basic Fundamentals
    1) Its NAV is currently $12.05 as of 1/18/2012
    2) The current dividend yield is 4.25%
    3) The NAV range suggests low volatility within its 52 week price range of $10.07 at a low, to $12.20 at a high
    4) Its focus is on current income with a secondary focus of capital appreciation
    5) Lipper Bond Ratings gives it the highest rating it has; 5 on a scale of 1 to 5

    What Are The Costs
    1) There is a front end load of 4.75%
    2) The expense ratio is 2.11%
    3) According to Fidelity Investments there is a $2,500 minimum initial investment, however I have read other reports stating a $1,000 minimum. For this articles purpose let us just say it is between $1,000 to $2,500

    My Opinion
    Eaton Vance Build America Class A Bond Fund (EBABX) is a sound investment for just about anyone. Given the puny returns on Treasuries, CDs, and Money Market Funds, it is a rather low risk alternative with a very decent yield.

    The fees are on the high side yet even after accounting for those fees, this fund has returned 9.40% over the past year, and 11.35% for the life of the fund.

    There is also a load reduction schedule which depending upon how much you invest, could reduce the front end fees ( all the way down to zero for very large investments), so there is flexibility there.
    I also could see some capital appreciation from these levels if the government pours money into our infrastructure, which would also aid in job creation. All in all, I see this bond fund as a compelling addition to any balanced portfolio.

    · Please do your own research prior to making any investment decisions and never rely solely on the opinions of others.

     

    Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.

    Jan 19 9:21 PM | Link | Comment!
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