Retired from Towson University, and a disabled veteran of the 24th Infantry Division, investing my own hard earned money. I used to look for growth as a priority, but am currently looking to improve dividend income. Sure, there are many good dividend equities out there, but returns are based primarily on cost basis, so aren't the same for everyone. Where to buy in on any particular asset for maximum return, without losing with NAV deterioration is where the issue is for me. I am not a professional investor, and do not pretend to be. I see a lot of good writing on SA, but also some random babbling, which leads me to believe that SA might want to base any compensation they give on reader's ratings of a articles usefulness. Many of my acqaintences avoid SA, as this doesn't appear to be the case.