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  • My 2014 Fourth Quarter Review: The Good, The Bad And The Ugly [View article]
    Chowder,

    I looked up ETO on yahoo and it said the yield was 2.40%. So I'm confused. And what is UNII?
    Jan 17, 2015. 07:42 PM | Likes Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    Bing,

    No, I do not. I do not believe it is relevant to what I am doing.
    Jan 17, 2015. 04:25 PM | 1 Like Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    Chad,

    Thanks for your questions. I'll do my best to answer them.

    1. I started with the value of the portfolio on 1/1/14 as a positive number. I then listed the day and amount of each new contribution to my portfolio, again as a positive number. For the last input I used 12/31/14 as the date, and the value of my portfolio on that date, but as a negative number. I then ran the XIRR function. No, I did not enter the dividends because that was not new money entering the account. Dividends are part of my return, not a new input. I did this for 2013 as well to come up with the returns for that year.

    2. Once again, this time going back to 1/1/13, I started with the value of my portfolio on that day. I made inputs for all contributions over the past two years, and put the final value in as a negative number on 12/31/14. The XIRR function, ran over the two year period, gave me the annual return that I reported for all the different benchmarks. I don't know what formula you are using. Can you explain what that is?

    3. My calculations for SPY (and the other benchmark) include new contributions made to the paper account to match the contributions made to my actual portfolio. These new shares of SPY, bought at whatever price they were bought on that day, will cause the final returns to be different that those reported for a simple portfolio of SPY followed from 1/1/14 to 12/31/14, which is what I assume Wikipedia reported.

    All commissions were included in my portfolio. I actually did not include commissions for the benchmark portfolio (an over sight on my part). Their results would have been slightly worse if I had.

    I hope this helps.
    Jan 17, 2015. 09:10 AM | 1 Like Like |Link to Comment
  • My 2014 Fourth Quarter Review: The Good, The Bad And The Ugly [View article]
    Great job Bob! Congratulations on your continued success. Your efforts are an inspiration to other DGIers like myself.
    Jan 16, 2015. 08:58 AM | 2 Likes Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    It just goes to show the beauty of DGI once again. In a time when the market is going down as much as 1-2% a day, or more, we are still receiving our dividends, and we are still seeing our dividends increase. I've received 11 dividend payments this month already, and four yesterday. It makes it that much easier to hold steady.

    And I know that I have been worried about whether or not any of my energy stocks will cut their dividends due to cash flow problems. But OKE's dividend increase, at the height of the oil panic, sends a clear message that, even if the price is down, the dividend is safe. At least for now.
    Jan 16, 2015. 07:56 AM | 1 Like Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    Great job Chowder. And great numbers! Keep up the good work and the great educating.
    Jan 15, 2015. 07:20 PM | 1 Like Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    I got three raises in just one day!! How can you not love DGI?!

    OHI raised 1.92% (it raises a little bit each quarter)
    WEC raised 7.69% (pretty nice for a utility)
    And OKE, even in these times of turmoil over oil prices, and the stock price dropping by about 40% over the past few months, it still raised its dividend 2.54% (another one that raises the dividend each quarter).
    Jan 15, 2015. 04:29 PM | 2 Likes Like |Link to Comment
  • A Demonstration Of How Dividend Growth Investing Outperforms [View article]
    Chad,

    Thanks for your question. My portfolio returned 15.92% as compared to 13.57% for SPY. For a full discussion of the portfolio results please take a look at my year end review.

    http://seekingalpha.co...
    Jan 15, 2015. 02:42 PM | Likes Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    bk,

    Thanks for honoring me with your very first contact! Allow me to answer your questions...

    1. Yes, I only sell if a stock cuts its dividend. Very simple.

    2. I would suggest you go to fastgraphs.com and watch the demo. It will show you how to use the graphs. You can also read some of the articles by Chuck Carnevale. He developed Fast graphs and, with his articles, teaches you how to use them.

    3. All of my investments are in tax deferred or tax free (Roth) accounts. So taxes are not a factor in any of my decisions.
    Jan 15, 2015. 02:37 PM | 1 Like Like |Link to Comment
  • Utility Investing For Dividend Growth Investors: A Prospective Study [View article]
    Scorps,

    I don't know. When evaluating utilities I don't look at payout ratios. And it wasn't a factor in this study.
    Jan 13, 2015. 07:59 PM | Likes Like |Link to Comment
  • It's New! It's Nifty! It's The Dividend Growth 50! [View article]
    Your article has been out for almost a month, and it's still getting listed as a must read by SA. #2 on today's list. Very impressive Mike. Congratulations!
    Jan 11, 2015. 07:17 PM | 6 Likes Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    Varan,

    i understand that, but when you say "blind to empirical data" I'd like to know what data you are referring to, and what does it show?
    Jan 10, 2015. 05:48 PM | 4 Likes Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    Doug,

    Thanks for your comment. I agree with some of your concerns. Don't ever over pay for a stock, and keep collecting and reinvesting the dividends. And in the end you'll be fine.
    Jan 10, 2015. 03:20 PM | 1 Like Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    Varan,

    What data are you referring to?
    Jan 10, 2015. 03:03 PM | 1 Like Like |Link to Comment
  • My K.I.S.S. Dividend Portfolio: 4th Quarter 2014 Update And Year-End Review [View article]
    B-H-R,

    I know others have answered already, but I will reiterate one reason already mentioned, and add one of my own.

    According to every study I am aware of, the DGI method of investing has been shown to out perform all other long term investing methods, including index investing in the S&P.

    Also, suppose you are ready to retire just as a huge bear market hits. Now your index portfolio is down 40%. Someone who planned on funding their retirement by selling shares of their index fund every year is going to be in big trouble. I'm not willing to take that risk. I prefer the comfort of knowing that I will be able to live off my dividends, no matter what the market is doing.
    Jan 10, 2015. 03:01 PM | 6 Likes Like |Link to Comment
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