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  • Retirement Strategy: How Will Rising Interest Rates Affect A DGI Portfolio? [View article]

    Exactly true! We need voices from the entire spectrum and that way we will find a middle way or even a third brand new way forward in Peace and Prosperity. Opportunity and education are so important to me.

    As a member of immigrant family myself, and as mother of immigrants, I look for expanding opportunity here. We can do this and not doing it is a poor choice which will cost us in the end.

    Now, back to stocks.

    Nov 7, 2015. 04:32 PM | 6 Likes Like |Link to Comment
  • Retirement Strategy: How Will Rising Interest Rates Affect A DGI Portfolio? [View article]
    The author was in favor of Miguel's posting.
    Nov 7, 2015. 04:29 PM | 2 Likes Like |Link to Comment
  • Retirement Strategy: How Will Rising Interest Rates Affect A DGI Portfolio? [View article]
    Miguel, You are also right. And likely the truth lives somewhere between us. I appologize for my depressing and dispariging tone.

    I am a dual citizen USA and UK having lived there for 8 years under a socialist government. I hold two passports. Some of my children are from Vietnam and Guatemala and came to America because they had family members shot and killed in the wars there. I also have one adopted child who is half African American and half Caucasion/Native American.

    I lived on boats for 30 years.

    Much of my time in America has been as a volunteer in prisons and soup kitchens and homeless shelters. Some of my friends are extremely wealthy and so I see all the way from the top 1% to the bottom 1%. Not a lot of people move socially as far as I have along the financial spectrum.

    I believe America has great potential and a wonderful dream. My own people came here for that dream. My mother's people came here 10 generations ago and were boat builders and small farmers. My father's grandfather came here and was a failure in farming. They went into education and now they have more degrees than thermometers.

    There is much opportunity for some in America and less opportunity for others. I hope to see the opportunities more evenly distributed in my lifetime.

    From my foreign born children I know what governments can be like in war torn Vietnam and Guatemala because they came to me in late teens with no state aid. From my elderly European Jewish friends I know about Nazi Germany during and before WWII.

    Travel does not require mileage. One can travel within social levels and circles within one's own community and get a whole different outlook.

    May we all have,

    Nov 7, 2015. 04:28 PM | 15 Likes Like |Link to Comment
  • Retirement Strategy: How Will Rising Interest Rates Affect A DGI Portfolio? [View article]

    Is the government telling us the truth? Can I trust these credit ratings? How much truth is in this company report? Will these stocks still be reliable as we go forward?

    It really is hard to find truth when investing. Contrary to what we were told as youngsters, a lot of people get ahead by lying and cheating and bully behavior. A lot of them are in government and a lot more are in top business positions.

    Personally, I never have trusted any government. I have lived a long time and spent many years living outside the USA. Seems to me people are about the same everywhere and politicians and company executives are certainly the same. They are experts in telling us what we want to hear and getting us first to vote for them, and then to plunk down our money in taxes and also our lives in war, and then invest in their companies.

    Eventually folks wise up and ask a lot of questions and end up thinking things trough for themselves. I never did much listen to government bulletins. I read here and it is reassuring to have discussions which cover all sides of every investing question. Often the bickering irritates me and the monitors have even had to delete my comments on occasion. But the truth is somewhere between the opposing sides of each of these arguements.

    I follow FAST graphs and remember what my mentor taught me which he learned from his father who was investing 100 years ago. Eventually I decide where to put my investing dollars, who to vote for, and what to believe.

    Social Security checks may be taken from us. Our tax money certainly will be taken from us. Our health will go too. But with care, we can increase our portfolios and this is best managed through careful diversity and purchase of quality companies with many years of persistent growth clearly visible over the decades. They can hide some of the reporting details, but not for long and not all the time either. The really reliable companies will shine through the lies and sustain us. Maybe the government will take care of us, but it is in our own interest to take care of ourselves first and foremost.

    Pardon me for being such a doubting and depressing commenter today, but at least I do have a good portfolio and I do trust that it will sustain me in the future and I am grateful for what Seeking Alpha has taught me about quality and dividend growth investing for long term holding.

    Nov 7, 2015. 11:03 AM | 29 Likes Like |Link to Comment
  • Retired Investors: Apply A Value Investing Strategy And Earn More Income And Higher Returns [View article]
    FAST graphs are helpful to most folks who learn to use them, but they are especially helpful to me because I have a visual impairment that makes reading numbers more difficult. With the interactive graph presentation, I can see the movement of the price, dividend, earnings, etc immediately and it levels the playing field for me.

    I started reading here on Seeking Alpha many years ago and was delighted whenever one of the FAST graph charts appeared. Eventually I decided that there was so much information packed into those graphs, it was necessary for me to subscribe.

    I will be a long term subscriber as long as Chuck takes care of himself and keeps on producing them. So eat your fruits and vegetables, my friend, and keep 'em coming!

    Nov 7, 2015. 01:25 AM | 9 Likes Like |Link to Comment
  • Project $3 Million - Portfolio Management, New Purchase [View article]

    I am supposed to ask you the questions and not the other way around! Answering your questions just feels wierd. But here is my suggestion for what it is worth: SO because it looks fair value on the FAST graphs, has A- credit rate, and a Chowder number of 8.7. The yield is close enough to 5 at 4.7%. I like the gentle curves on the graphs. (full disclosure - I spent two years in art school)

    I am planning to pair slow growing SO with CVS which has higher dividend growth and a Chowder number of 31, and although it has a tiny yield of 1.4, it does double every 3 or 4 years. I am retired but healthy and expect to be here collecting those doubled dividends and it will be nice when they double again and again. Meanwhile I will collect the dividends from SO and the CVS share price growth will be pleasant giving me the option to sell some if I want to make a self dividend.

    I had hoped to pair SO with CMI but they require a broker and that is a complication which I finally decided not to bother with.

    You can be sure I am watching what you finally decide to do with your own portfolio because now you are going into retirement and that is where I am. Your advice is important to me. I have a list of stocks I want to buy and it is nice when I see you buying one of them. Helps me feel confident.

    Nov 5, 2015. 11:02 PM | 9 Likes Like |Link to Comment
  • Risk Tolerance For The Dividend Growth Investor [View article]

    Re Mr Peace's pension which stopped in July:

    Everyone please excuse me while I shout with joy, MR PEACE GOT HIS PENSION RESTORED!!!!! This am the letter came and we have been dancing through the day sighing with relief. It amounted to about a third of our income, so we have been quite tense since July when the checks stopped arriving in the bank. The problem was that the pension people had just not recorded our new address when we moved to North Carolina off of our full time live aboard cruising boat, and they were trying to contact us at our old mailing address. We had informed them of the change, but there was a mistake along the way and they really did get our attention when they stopped sending in his pension checks after not hearing any response from our old mailing address! Because his pension comes from Britain, we had trouble contacting them also but a friend was able to make the international phone call for us that finally led to direct email contact, a correct exchange mailing addresses, a postal letter from Mr Peace, emails from them, and finally the email this am with the good news that the pension checks would resume and the missing checks restored also. WHEW! Mr Peace said "HOO BLOODY RAYYYYY!" I will now stop shouting, but I may not stop dancing for a little while.

    So what is the take home lesson here?

    1. Keep the pension company up to date re contact info and double check that they got it down right!
    2. Keep adding to the portfolio and make sure the dividend income stream increases year by year because we have looked at how important a reliable and independent and growing income stream can be when life hits a big bump in the road. Portfolios are for more than "pin money" sometimes.
    3. Keep reading here at SA for new ideas to keep portfolios strong and growing so you can cope with financial problems if and when they arise.

    As for the problem with using a broker to buy Cummins stocks, we just gave up on it. Tonite we are looking at CVS because it is easy to buy and hold and grow with out a broker. It has a dividend which is steady and growing and it will compliment the SO shares we have started to collect which have a higher yield, and are steady, but have slower dividend growth. Pairs of stocks with compimentary characteristics appeal to me.

    When he was working on an engine recently, Mr Peace had a rather sharp and grumpy laugh. I like to listen to him working on engines because he often says some wise things then. A part of the engine was frustrating him because it was corroded but he kept working at it until he freed it up. It took several days, but he did it and there was never any doubt in my mind or his that he would eventually succeed at fixing it. "I'll get you in the end, engine." Determined persistence plus skill handling tools is hard to beat and he has all that. That combination works for engines and also for investing. Determined and persistent saving, reading, sharing, and investing in quality dividend growth stocks, eventually results in an increasing income stream that is reliable and wonderful and ever so welcome in old age. With Seeking Alpha help, I have all that.

    I really like to be in charge of our portfolio. It is reassuring to have it right here under my thumb with no middle man.

    Keep investing, and keep well, and keep updating all your contact info!

    Nov 5, 2015. 09:43 PM | 14 Likes Like |Link to Comment
  • Risk Tolerance For The Dividend Growth Investor [View article]

    Unfortunately I have had to withdraw from my plan of using sharebuilder to buy CMI. We have a complicated family situation and I must keep all my shares in the name of our family revocable trust so there will be no squabbling when we die and our portfolio is disbursed. Sharebuilder does not allow that.

    Also, there is no way to return the shares to our trust name even after we have built up our position. So I can't even have sharebuilder as a temporary measure to build the position.

    So we will continue to build the SO holding and keep looking for a less restrictive stock with similar metrics to CMI and use it to pair with slow growing SO. But we will look for something that does not require a broker. I do not think we need to complicate our lives with a broker now after managing so well for over 30 years on my own.

    A lasting benefit is that Mr Peace is now offering ideas and eager to see FASTgraphs, and is generally more engaged with the portfolio. I really like that.

    Nov 5, 2015. 03:31 AM | 4 Likes Like |Link to Comment
  • How I'm Reacting To The Ups And Downs Of My Portfolio [View article]

    Mr Peace actually has suffered the loss of his employer's pension. So now he has only the social security from the government. Luckily he also can rely on our portfolio of all DGE stocks.

    I enjoy reading your comments.

    Nov 4, 2015. 03:23 PM | 3 Likes Like |Link to Comment
  • The Dividend Growth Investing Mindset [View article]

    I did not find your posting there.

    Nov 3, 2015. 01:40 AM | 1 Like Like |Link to Comment
  • 10 Dividend Growth Stocks For Your Retirement Portfolio's Aggregate Yield 4.3%: Part 2 [View article]

    "as people age their consumption of goods and services decreases..."

    I respectfully disagree with that statement because I can already see us paying more money for other folks to do work for us which I formerly did for myself. Because of old age, this now includes scrubbing the boat bottom, climbing ladders, lifting engine off boat, etc. I can see when we will be unable to drive the lawn tractor mower, chain saw, etc. One day I can imagine not being able to drive the car. These are activities most folks could do in their 50s, 60s, and 70s, but not their 80s and 90s. But a lot of older folks will still want to live in their own homes and we know lots of boaters in their 80s. Help with house work is common among old people and lifting grocery bags. Just hang with some old but independent 80s and 90s and see their reality. We will all be there eventually.

    Nov 2, 2015. 04:05 PM | 3 Likes Like |Link to Comment
  • Risk Tolerance For The Dividend Growth Investor [View article]
    What do you like better about Vanguard and what is worse? I will be buying my CMI tomorrow for Mr Peace.

    After I have that position, I will be wondering about consolidating my other positions. There will then be 12 of them. 11 are in my name and I do everything myself. Then I will have this outlier with sharebuilder. Maybe I will want to get that one position back in my name like the others I have.

    Ideas, suggestions?

    Mr Peace is so happy to be getting the CMI in the portfolio!

    Nov 2, 2015. 03:48 PM | 1 Like Like |Link to Comment
  • Retirees: I Did Not Buy IBM To Sell; It's About The Dividend Income, Stupid [View article]
    Thank you Craig! I like your statement very much. You are a gentleman.

    Nov 1, 2015. 02:24 PM | 1 Like Like |Link to Comment
  • When Is Current Dividend Yield Misleading? [View article]

    "Retroscope" ... Whatever you do by saving and investing that makes a profit and allows you to sleep at night is going to be benficial. But "retroscope" is priceless. Made me laugh out loud. That is a clear case of sharing the profits! Thanks.

    Nov 1, 2015. 07:55 AM | 2 Likes Like |Link to Comment
  • Cummins: A Tale Of 2 Quarters [View article]
    I will be getting some CMI tomorrow at the request of Mr Peace! He has started being quite interested in the portfolio now that I am focusing on things he can understand and he is always delighted with diesel engines. My man speaks diesel language. It is true!

    When we were sailing in calm conditions, he would often come on watch after his nap and grumble at me for being "cruel to the poor diesel engine working its heart out down in the dark there" making up for the lack of wind. Then he would nudge the throttle and try to get me to hear the "happy engine song" that was now eminating from below the cockpit. I just did not hear it.

    My response was to call out to him once when we were crossing the Atlantic in the small boat with all sail set on a lovely moonlit night. I was supposed to be asleep during his watch, but I could feel the boat motion from my bunk and I just knew that he needed to let the jib sheet out another 6 inches so we could go another knot faster. When I called up to him about it, he said to be quiet and go back to sleep. So I waited while he waited until he thought I was sleeping again. Then I could hear the sound of the rope easing out of the winch as he let out the jib sheet 6 inches and then I heard the water gurgle past the hull at about one knot more speed. He was mumbling something about me up there but I could not hear it well... (grin). But I did hear "How does she know?"

    Each of us has a sphere of competence, something we can do well. He knows all about engines, basic 12 volt electrics, and wooden boat building. I know to buy good companies and hold, how to set sails and navigate boats, and how to work with epoxy and fiberglass. His entire working life was about engines. Motorbike engines, diesel truck engines, and everything in between. He raced bikes, did engine design, and a whole bunch of things like that including dealing with the Cummins company.

    So if he says to buy Cummins, and my FAST graphs say to buy Cummins, and all of you good folks are buying Cummins, I am sure gonna give it a try!

    Good luck everybody!

    Oct 31, 2015. 03:44 PM | 5 Likes Like |Link to Comment