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cheryl1028

cheryl1028
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  • An End To Our Relationship With Yahoo, A New Era For Equity Research [View article]
    I'm a subscriber to SA emails & authors I follow. Of course I use other sources, but have never used yahoo finance...I've learned more from SA contributors than any other source. I'm a DIY DGI investor and my knowledge has increased 1000 fold thanks to contributors on SA. May I give a shout out to a few? And hope I forget no one...in no particular order Chowder, Mike Nadel, David Crosetti, David Van Knapp, David Fish, Bob Wells, Daivd Fish (who deserves that award you mentioned for his monthly CCC LIST) Chuck Carnevale.....I'm sure I missing some...Robert Schwartz ....thank you all.

    SA... Reward them well!!!
    Jul 31, 2014. 07:53 PM | 4 Likes Like |Link to Comment
  • Why You Still Shouldn't Be Lovin' McDonald's [View article]
    Six, I just spent month on road trip in western states. I can tell you I stopped at MCD for every pit stop. Not only can you count on clean facilities, same product regardless of where you're at....but every MCD I visited, I took stock of my investment....long lines, clean eating areas, and several customers reviewing calorie count & healthy choices before ordering......they are addressing US health craze. I too DRIP, love dividend...initiated my purchase at $83.... If it drops below $89... I'll add to my position.

    Happy investing...pull back....go ahead bring it on!!!
    Jul 31, 2014. 07:31 PM | 7 Likes Like |Link to Comment
  • Why Thursday's Sell-Off Matters [View article]
    Thanks Mike!!! Hoping to hear a voice of reason: someone who invests in quality stocks which pay a dividend & bought at value pricing. The market would have to pull back to 2010-2011 August levels before I'm even on most of my positions....but if the market does pull back that far, my portfolio should still deliver reliable, consistent dividend income....most important to me and will help weather an expected bear market!
    Jul 31, 2014. 07:22 PM | 9 Likes Like |Link to Comment
  • American Realty Capital Properties: 8% Yield Play Gains Traction [View article]
    There are/were other options to help those working Americans have access to healthcare without turning over the entire system. Educating & informing those without healthcare & jobs which didn't provide healthcare insurance, options for catastrophic policies to cover severe illnesses, for instance.

    Pre-existing conditions state run insurance pools to choose from. Many states offered. This could of been expanded. From what I've read, the ACA pre existing law actually enrolled far less than projected.

    Providing subsidies to those in the above 2 categories.

    The ACA mandating policies which cover everything even for those such as me, a widow in my late 50's, who has zero need for pregnancy, birth control & pediatric dental coverage is ridiculous.

    The current business mantra is 49/29: no more than 49 employees & no more than 29 hours per week to remain under the business mandate for small businesses to provide healthcare. Many of these businesses provided at least catastrophic policies.......not anymore.

    Finally the ACA policies have significantly higher premiums, huge out of pocket deductibles before insurance kicks in.....then the out of pocket costs are 50% with the bronze program....

    AND if insurance companies don't make a certain profit, we the people bail out.

    This country can't afford. There are better ways this could of been done. My own doctor of 30 years retired in January because of the ACA. How many more will retire or not be included in networks....

    Fixing the greatest healthcare system in the world was needed. But the ACA is & will decimate what was the best....sadly.

    One final comment and appropriate analogy is this: CA just increased the state minimum wage to $9.00 an hour. My granddaughter a college student on summer break, I asked her how she liked the raise. Her comment: yeah, right grandma. I get a raise & reduced hours. It has not helped me at all. Thank you grandma for your help & support while I'm in college....
    Jul 29, 2014. 04:31 PM | 2 Likes Like |Link to Comment
  • Should You Be Loving McDonald's Corporation? [View article]
    Passive, very well done article. I'm now following. I find your information very valuable, as I don't do well reading financial documents. Consequently, I read many of the dividend investing gurus here on SA.. I use my gut, the basic fundamentals, PE, FCF, Yield & David Fish's monthly CCC list. I must say I've been very lucky as I discovered dividend investing in the summer of 2011 and went on shopping spree in August of that year. I own 13 of the stocks in your portfolio and fortunately many were purchased then.....I'm working with both my son & grandson who are starting to get serious about investing. Along with recommending Chowder, David Fish, David Van Knapp, Bob Wells Mike Nadel (forgive me if I've left anyone out) your very public portfolio will be copied & shared. It's a great example of starting positions with a few shares, dripping and watching it grow.
    Thank you for your transparency & your analysis.

    With regard to changing your pic....please ignore!!!
    Apr 29, 2014. 02:34 PM | Likes Like |Link to Comment
  • The Next MLPs To Crash? Hedgeye Targets Another Pipeline MLP [View article]
    Perhaps a SEC investigation into Hedgeye would be timely
    Apr 21, 2014. 03:54 PM | 24 Likes Like |Link to Comment
  • With The Declining Trend In Coal, Is CSX Still A Buy? [View article]
    Thank you for writing this analysis with clear concise explanation. Its very helpful for me as my head hurts looking at financial statements....
    Apr 16, 2014. 12:04 PM | 1 Like Like |Link to Comment
  • Dividend Growth Investing: An Introduction To Creating Wealth [View article]
    Dave your real-life articles I often use to send to my kids, grandkids & friends to help the young understand the simplicity of saving, patience and compounding. Don't stop!!!

    I don't have link, but a recent survey has found 60% of Americans don't have $25,000 saved towards retirement. Scary. As I understand the survey, the 6 in 10 who have $25k and less saved is across a broad demographic population. If I can help educate just one young person, it's a reward.........so write on.....and on......and on.

    PS I have a couple similar real life examples, not as long as yours, love to read your KO story. I use your KO compounding as example often.

    Thanks again!!!
    Mar 22, 2014. 12:47 AM | 1 Like Like |Link to Comment
  • Debunking The 'Dividends Don't Add Shareholder Value' Myth [View article]
    I'm a very simple person and I guess I have to ask, "Why can't I have my cake (capital appreciation ) and eat it too (dividends)."

    Long: T, KMB, PG, MO, MCD, AFL, JNJ, ABBV, F, COP, EMR & bought with dividends: DE, AFL, CSX, KO, SO, NWE, WMT
    Mar 17, 2014. 01:32 PM | 2 Likes Like |Link to Comment
  • Retirement Income Planning With Johnson & Johnson [View article]
    Many who lived thru the depression became frugal savers out of fear of being hungry, because they had been hungry. Perhaps the current economy will increase the amount of savers.

    I love to share how my mother saved. She had an 8th grade education and lived a number of her early years in an orphanage. My mother began working at McDonnell Douglas in mid-1960's making $2.32 hour. As the years went by my mother was promoted numerous times. When she retired around 1990 for health issues her annual income was $85,000!

    First, she always had numerous un-cashed checks in her purse. (I don't recommend)
    Second, every time she got a raise 50% went into savings.
    Third beyond regular savings, she bought a savings bond (either $25 or $50) from every pay check.....she was paid weekly.

    When I finally convinced my mother to cash those bonds (which she carried around in her purse) her health was in serious decline due to diabetes. If I recall correctly, the amount far exceeded $50,000!!!

    I'll never forget seeing one of my mother's weekly pay checks shortly before she retired and the net was $342. Recall she was grossing $85k per year!!!!!

    She was an incredible saver! Born of fear and growing up lacking basic necessities...... In today's world, the majority of Americas poor don't lack those basic necessities! Unfortunately today's message being bombarded from every direction is "More...the Latest.....Keep up with the Jones' Smiths, and everyone else"!!!

    She didn't teach me or my sister to save verbally, she did however by her actions. It took me until my late 20's to get it, but I did.

    We can hope more young people get the message you've learned young.

    Congrats!!! I love your desire to try to teach others about saving.
    Mar 6, 2014. 03:13 PM | 1 Like Like |Link to Comment
  • Retirement Income Planning With Johnson & Johnson [View article]
    Pim, Good For You!!! I wish more young adults were so prudent... The majority of people barely save for their up-coming auto insurance!!!! I try like crazy to get my kids to save...they're both close to your age. Just recently they started giving me money each month for me to save & invest for them. It's a start, but wish they had enough control to do on their own.

    Again, congrats to you and your wife!!!!!
    Mar 6, 2014. 02:20 PM | Likes Like |Link to Comment
  • Retirement Strategy: When Should We Sell Stocks From Our Portfolio? [View article]
    To sell or not to sell!!! Sometime last summer I was involved in a comment stream where I included my current positions and the percent each position held. I believe it was Mike Nadel who pointed out LMT was about 14% of my portfolio and suggested I might want to review the pros and cons of any position holding that much weight in my DGI portfolio. Wow! The light went off in my brain.

    Up until that time I made my purchases by equal shares. I thought I was doing well by purchasing an equal number for each position. I learned a lot during that conversation. I have made significant changes to how I manage my portfolio now.

    Getting back to sell or not, I just sold off the last lot of LMT to bring it down to a more equal percent within my portfolio. I made a very nice 80ish percent on that investment. I think I'm now playing with house money after this final sell.

    SA has been so educational in soooooo many ways. Thanks all.
    Mar 6, 2014. 01:51 PM | 1 Like Like |Link to Comment
  • Retirement Strategy: When Should We Sell Stocks From Our Portfolio? [View article]
    Varan, it's the heir....you need an accountant to calculate each years RMD. As I mentioned the RMD changes each year based on portfolio year-end value and age, life expectancy. Otherwise all the benefits of an IRA remain.
    Mar 6, 2014. 01:26 PM | Likes Like |Link to Comment
  • Retirement Strategy: When Should We Sell Stocks From Our Portfolio? [View article]
    JG,

    Not sure if you're aware, but those who inherit your IRA can keep the IRA and the benefits of an IRA. There will be a RMD each year based on value at end of each year and age of the beneficiary. If there is more than one beneficiary, the value can be split per your request and left within IRA.

    According to my broker it's a little known fact as most people who inherit money, want it NOW!!!!

    Educate those who will inherit so they don't lose 50% +/- to the taxman due to ignorance.
    Mar 5, 2014. 12:06 PM | 1 Like Like |Link to Comment
  • Retirement Strategy: When Should We Sell Stocks From Our Portfolio? [View article]
    Jr.....I'm not an accountant nor do I have the experience or knowledge others here at SA have. However, I have an inherited IRA which I keep and because the taxman is a demanding taskmaster, I have to take a RMD based on the portfolio amount at year end and my age, life expectancy, etc. I make my selection and transfer to a normal investment account. I continue to receive dividends and growth. The only loss is having to pay the taxman. It's a good solution for me, I don't lose the investment or income. My accountant offers his input regarding which position to transfer which will least affect my taxes in the following years. Hope this is helpful.
    Mar 4, 2014. 04:50 PM | 3 Likes Like |Link to Comment
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