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  • All I Want For Christmas Is My Dividend [View article]
    Hi Eddie,

    I really enjoyed reading this. Great article!
    Dec 4, 2012. 04:41 AM | Likes Like |Link to Comment
  • Roth IRA Plus Dividend Growth Stocks Equals Success [View article]
    I have my Roth, traditional IRA, and taxable accounts through Wells Fargo.

    For me, I had the option to establish a special checking account with them called a PMA account. All that was needed was for me to maintain a balance of at least $25,000 between all of my accounts. Besides having a few benefits for the checking account, this also allowed each of my retirement/trading accounts 100 free trades a year, every year.

    Having this perk, I can say that so far I have never had to pay for a commission since I started investing.

    Customer service has been excellent all these years. I have never had a problem.

    I used to have the dividends automatically reinvested in the Roth IRA. I was not charged anything extra for this and having partial shares from this was not a problem.
    Nov 16, 2012. 01:54 PM | Likes Like |Link to Comment
  • Kinder Morgan Energy Partners Fairly Valued With 6% Yield And Growth Potential To Energize Your Portfolio [View article]
    Mr Carnevale,

    I have enjoyed your articles for a long time and once again you have provided a well written and educational piece that has been beneficial for myself.

    Thank you.

    May you provide Seeking Alpha with many more contributions in the future.

    Long KMP.
    Nov 16, 2012. 11:16 AM | 1 Like Like |Link to Comment
  • Roth IRA Plus Dividend Growth Stocks Equals Success [View article]
    Ah, the Roth IRA. :)

    When I first started to work on my own retirement, the first thing I did was open a Roth IRA.

    My typical method is to save up the $5000 (or whatever limit there is) during the year, then during the first week of January of the new year, transfer the 5k over to the account. The way I see it, the sooner those dollars are invested in dividend stocks, the more effecient the Roth is working for me and my wife.

    My Roth is over 95% dividend stocks. When I first started, I was very defensive and mainly bought utilities. Now, that I understand investing better, I have diversified. I am long on: BKH, CB, CLX, DUK, ITW, JNJ, KO, O, PM, SO, UTX, WMT, and XEL.

    In terms of taxes, I have found the Roth IRA to be an excellent place to place Reits. I have The Reality Company in both my taxable account and my Roth. If I could, I would transfer all of my holdings in O to my Roth.

    I used to have the account setup to automatically re-invest dividends in the given stock, but due to some good advice from Mr. Van Knapp here on SA, I stopped that. It was more effiencent for myself (and my retirement future!) to save up to a certain amount and find what stocks were better valued at a given time instead of having the dividends reinvest in the parent stock which might be overvalued at the given time.

    In addition to the Roth IRA and a taxable account, I also have a traditional IRA. As mentioned before in an earlier comment, it gives me a small amount of flexability on how I want to manage my money when it comes to investing and taxes.
    Oct 17, 2012. 02:17 PM | 3 Likes Like |Link to Comment
  • Get Your Dividend Growth 'Off The Grid' - In Canada [View article]
    I am always looking for new information on investments outside of the U.S. When it comes to pink sheets/OTC investments, Canada is one country I consider.

    Thank you for taking the time to research and organize this information.

    Oct 15, 2012. 06:47 AM | 3 Likes Like |Link to Comment
  • The Real Better Advice For Seniors: Part II [View article]
    Well written article, but thanks in particular for the link to the inflation website. I have found that helpful.
    Sep 24, 2012. 09:18 AM | 3 Likes Like |Link to Comment
  • Backtesting A DGI Portfolio: The Amateur Hour [View article]
    I very much enjoyed reading this article. Thank you for taking the time and effort to write this. I hope you make further contributions to S.A. in the future.
    Sep 16, 2012. 10:18 PM | 2 Likes Like |Link to Comment
  • Retirement's 4% Rule: Why Mr. & Mrs. Income Don't Need It (Part 1) [View article]
    Just a small FYI in regards to free reinvestments of dividends and brokerage fees.

    I have some of my taxable accounts and Roth IRA through Wells Fargo. Once you have $25,000+ total value in your accounts you have the option of turning your standard checking account in their PMA account. This allows you (as long as you maintain a balance of $25,000 or more) 100 free trades a year in each account. When the year period ends, the free trades resets back to 100 again.

    I don't come close to using 100 free trades in my Roth IRA and wish I could transfer a few over to one of my taxable accounts, but I am not complaining. :)

    Also, they reinvest dividneds for free.
    Sep 6, 2011. 08:37 AM | 1 Like Like |Link to Comment
  • Realty Income: An Exceptional REIT With a Strong Margin of Safety [View article]
    Brad, thank you for the article. For myself, you made some good points and I would like to encourage you to keep writing articles on SA. Further, I decided to start following your articles because you maintained a level of professionalism in your replies.

    I've owned O for many years. No complaints. I hope to own them for a very long time. As far as a REIT is concerned, I consider them one of the better ones.

    One small point I would like to add is in regards to taxes. O is better suited in a Roth IRA than a taxable account. I have it in both a taxable and Roth account. Being a REIT, the dividends can not be classified as a qualified dividend, but rather are taxed as income. So if anyone reading this has both a taxable account and a Roth, and plans to purchase shares of O (or another REIT for that matter), you would have a smaller tax burden by way of the Roth. Again, just a small point, but nice to know.
    May 17, 2011. 11:46 AM | 4 Likes Like |Link to Comment
  • What Are Your Dividend Investment Goals? [View article]
    When I first started reading information available on S.A., I wasn't sure what I would get out of it. I hoped at the time a few pieces of helpful information would come my way once in a while.

    Dividend Growth Investor was one of the first authors I started reading on here. Nearly all his articles have been helpful to me in some way. I've said it before (and I will say it again), but thank you D.G.I. for the time you put into your articles and the sharing of knowledge within them.

    I still consider myself a novice at dividend investing. Probably will for many years, and that is alright. I've made my share of mistakes and still have a lot to learn. However, I must say that when those dividends are deposited into my accounts every month, it sure does feel good to think I am doing some right in my life for a change.

    Long: JNJ, MCD, PG.
    Nov 19, 2009. 10:17 AM | 3 Likes Like |Link to Comment
  • Pocket Change Portfolio Update: October 2009 [View article]
    I enjoy reading your progress with, as you say, "pocket change" portfolio. The biggest thing that I get out of reading this is motivation. It helps remind me that even small amounts of income invested into the right dividend stocks still leads to growth.

    The saying goes how the companies will "nickel and dime" us for our wealth. Well, for me, your PCP proves that as a dividend investor I can "nickel and dime" the wealth in the "right" direction.

    Looking forward to future installments of the PCP.

    Long KO.
    Nov 16, 2009. 10:18 AM | 1 Like Like |Link to Comment
  • U.S. Multinationals: International Investing Without Leaving Home [View article]
    D4L, as usual your articles are interesting and much appreciated.

    You made a great point in the fact that when a company is diversified across many economies it can re-allocate resources from one economy to another as needed. That is a great advantage for any company. The military taught me that mobility is a key to survivability. I would say the same strategy applies to the economic world as well.

    The worlds economies will not recover at an equal rate from the current situation. If a company could focus on faster recovering economies that should imply that it will recover economically faster.

    Also if a company is diversified across many economies and one of them has a major natural disaster or civil upheaval/war; though such a company would suffer a loss, it will hopefully only be a small percentage of its overall cash flow.

    I am basically re-stating what you wrote in your article D4L. However, the point you made is so important that I felt it was worth the time to reply and make this point: diversification is a main form of protection for any long-term (i.e. dividend) investor and that diversification can exist at many levels and forms in a investment strategy.

    Again, your articles are much appreciated. Thank you for taking the time to write them.

    Long: KO, MCD.
    Oct 21, 2009. 07:43 PM | Likes Like |Link to Comment
  • Financial Stocks for Dividend Investors [View article]
    Hello Mr. Sutfin,

    You are correct in that Canada would have a withholding tax on dividends paid to an American -even if the stock in question is held with an traditional IRA or Roth IRA. Further, you are also correct that an American would lose the benefit of filling for a tax credit with this withholding if held in said IRA / Roth IRA.

    I have a Roth IRA. It contains just domestic mid and large cap dividend paying stocks. At this point it is generating just $1000 a year in dividends. Not much, but it is all tax free. I have it setup so that all of the dividends are automatically re-invested into whatever stock issued a particular dividend. Works great. Some of the stocks that I maintain a position in are: BKH, CLX, JNJ, KO, O, and SO. Speaking of O, it is a wonderful stock to hold in an IRA since it offers monthly dividends. There are many articles about it here on S.A. One in particular, written by David Van Knapp, is well worth the read.

    Back to foreign taxes. I have a regular trading account that holds all of my foreign investments. Last year I was able to apply all of the foreign taxes withheld as a credit to my 1040. I only had two two countries involved in this: Canada and Australia. This year I've expanded to include: Brazil, France, Hungary, and India. From what research I have done, all of these countries have an agreement with the United States to allow an investor to claim that countries taxes withheld as a credit. (Please, someone, correct
    me if I am in error on this.)

    Bottom line is I would not hold any foreign stocks in an IRA that paid dividends and had a withholding taxes applied to them.

    On Aug 27 06:53 PM Stan Sutfin wrote:

    > Canadian banks sound like a good alternative. I believe they would
    > deduct canadian tax from dividend payment and then you would get
    > credit for that foreign tax paid in filing your 1040. If that is
    > the case, it is important to not hold these shares in an IRA. Does
    > this sound right?
    Aug 29, 2009. 09:33 AM | Likes Like |Link to Comment
  • Dividend Stocks for the Long Run [View article]
    Awesome list! Thank you for taking the time and effort to post this.
    Dec 17, 2008. 01:15 AM | 2 Likes Like |Link to Comment
  • The Ups and Downs of Drips [View article]
    Mr. Stoyanov, I have appreciated reading your articles since I have been coming to this website. Thank you for taking the time and effort to contribute.

    When I read this particular article I wanted to comment on my experience with dividend reinvestment.

    I have a Roth IRA through Wells Fargo Bank. WFC has a program that if an individual has $25,000 or more in their total accounts they offer the first 100 trades for free per year. This resets every year for another 100 free trades as long as one has the minimum amount in their accounts.

    Now, I have my Roth IRA setup that all dividends are automatically reinvested. This does not cost me anything, nor do these count towards the 100 free trades a year.

    Further, I have a regular account for trades with WFC as well. Again, it has its own 100 free trades that are separate from the Roth IRA. Like the Roth IRA, this number also resets to 100 once a year as long as all my accounts have over $25,000 total.

    So, technically I have 200 free trades a year. That comes out to a savings of roughly $1500 a year (assuming if I did 200 trades). For most investors out there, this may not be helpful, but to the small investors that may only make a few purchases a year, this knowledge may provide another option to helping reach their goal of retirement.
    Oct 3, 2008. 02:29 PM | Likes Like |Link to Comment