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Sonia

Sonia
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  • Exxon Mobil: Time To Fill Up Or Wait For Better Prices? [View article]
    I don't know anyone smart enough to call the bottom, but the market can turn on a dime. Oil has gone down a very long way, and even if dividends are cut the yield will still be good. Put a very small toe in the water yesterday, 25 more RDS.B, which will add a little to dividend income while waiting for a turn. If oil drops again, which is entirely likely, I'll get a little more XOM. The world will need oil long after I'm pushing up daisies.
    Jul 28, 2015. 02:01 PM | 9 Likes Like |Link to Comment
  • 3:00 A.M. shopping at Wal-Mart may be cut back [View news story]
    The law of unintended consequences!
    Jul 23, 2015. 11:37 AM | 2 Likes Like |Link to Comment
  • How Much Bond Duration Could You Endure? [View article]
    I have some good munis, also a couple of PR's - one insured, but its value has dropped, though not as much as the uninsured. The interest on highly rated munis offered today is so low I'd rather have T, or JNJ, PG etc. with an expectation of growth over the next ten years. States and cities that now seem financially secure can have problems in the future. When Medicaid stops paying states for the Obamacare signup in a couple of years, states that bought in will be hit with an enormous and growing bill. If it comes to a choice between hospitals, schools, and bondholders, it is the creditors who will take a hit. I love my good munis, but am not buying more.
    Jul 21, 2015. 08:57 AM | 2 Likes Like |Link to Comment
  • CSX: My Q2 2015 Buy [View article]
    Government can destroy anything. I have CSX but am afraid to buy more. Better to put money into something that is not under the gun.
    Jul 20, 2015. 11:32 PM | Likes Like |Link to Comment
  • Procter & Gamble's Plan To Dominate [View article]
    PG is my third biggest holding, under JNJ and Apple. I plan to buy more. Got a bargain on Oxy detergent, which was no bargain. Too cheap to throw it out so I used it up, but then went back to Tide. My whites are snowy again. You can't beat quality, which means PG.
    Jul 18, 2015. 10:53 PM | 4 Likes Like |Link to Comment
  • How Much Bond Duration Could You Endure? [View article]
    Chuck, you're 100% right. Consider also that taxes on the interest on bonds are higher than the dividends on stocks, leaving less real income to be either spent or reinvested to grow future income. I haven't bought a bond in years - munis are scary and have no growth. T is a great substitute.
    Jul 18, 2015. 12:54 PM | Likes Like |Link to Comment
  • Why Royal Dutch Shell Offers Huge Value For Income Investors Now [View article]
    My post is correct for RDSA and B in a regular account, as that's what I have. Don't know the tax situation in a tax deferred or exempt account.
    Jul 14, 2015. 08:42 AM | Likes Like |Link to Comment
  • Why Total Return Is Like Trying To Add Apples And Bananas [View article]
    Interest on the "safe" 10yr T-bill is taxed at a higher rate than dividends. And there is no growth with a T-bill, but an almost guaranteed loss of purchasing power to inflation. Blue chip DG stocks have increased my income and purchasing power very nicely over many years. The good thing about dividends is that anything left over from paying bills can be invested in whatever seems the best deal at the time - your choice.
    Jul 11, 2015. 03:27 PM | 5 Likes Like |Link to Comment
  • 10% Correction Feels Imminent [View article]
    From what I've read, huge numbers of the Chinese middle class put their money into the stock market in the last couple of years, causing the run up. Won't all those people who are now watching their money disappear pull in their horns, cut back on spending, lose appetite for Nikes, Apple watches and IPhones, etc.? We are one world, and the ramifications of what hurts others may well hurt us.
    Jul 9, 2015. 09:23 AM | 3 Likes Like |Link to Comment
  • Why Royal Dutch Shell Offers Huge Value For Income Investors Now [View article]
    I have both A and B. RDS.B is based in England, which has a tax treaty with the U.S., so tax on the dividend is not withheld. RDS.A is based in the Netherlands, which grabs 15% of the dividend each quarter. A shares are a little cheaper than B, giving a slightly higher yield. The 15% paid on the A becomes a credit against your U.S. taxes on your return each year. But check to see if your state has a credit on their tax form for foreign taxes paid - some states, like mine, do not.
    Jul 7, 2015. 10:39 PM | 2 Likes Like |Link to Comment
  • AT&T: Avoid At All Costs As It's More Risky Than You Think [View article]

    Sell T? No way! I've lost too much over the years in stocks highly recommended by analysts that went up like a skyrocket and dropped back to earth with a thud. T goes right on churning out nice, safe dividends that increase a little every year - dividends that support the stock price in good times and bad. Long T!
    Jul 7, 2015. 03:28 PM | 6 Likes Like |Link to Comment
  • Wall Street Breakfast: Tsipras Heads To Brussels For New Deal [View article]
    Back in the '80's, our central banks leant vast sums of money to - was it Argentina or Brazil? - at high interest rates, then sucked in money from smaller banks all over this country to extend more loans to South America so SA could pay the interest on the original loans... then kicked the can down the road again and again with ever increasing loans to cover the interest SA could not otherwise pay. We all know how that ended. For years Europe has been doing the same thing with Greece. Don't bankers ever learn?
    Jul 7, 2015. 09:23 AM | 6 Likes Like |Link to Comment
  • 4 Things You Must Know About Buying Stocks Now [View article]
    Exxon is great but 25% of a portfolio in any one stock is too much. Oils are way down so it's a bad time to sell - though who knows how long it will be before the growing world population increases demand and oil stocks go back up. For diversification, consider J&J, slow steady growth and a 3%+ dividend increased a little every year. A basket of AT&T, Southern, and Shell averages well over 5%.

    Don't sell Exxon or any other core holding to buy Frontier. Frontier is a spec, not an investment. I have a toe in the water for the dividend, which is enticing, but will probably lose money long term.

    Consider putting part of your next dividend check from Exxon into Frontier, as a compromise to keep your hubby happy.
    Jul 3, 2015. 10:06 AM | 6 Likes Like |Link to Comment
  • The Best Way To Judge Past Performance: Part 2 [View article]
    Your articles are always informative, Chuck. Thanks! P/E's tell the story, the market is overvalued and it's time build up cash - but it would be hard to go wrong with Pepsi, long term. Your chart shows it's only slightly overvalued, and tempts adding to the position. May get it at a better valuation - there's inevitably more trouble coming over Greece.

    Have a very happy 4th, and thanks again!
    Jul 2, 2015. 07:59 PM | Likes Like |Link to Comment
  • 'Ye Of Little Faith' What Has It Cost You? Part 1 [View article]
    Thanks, Paul, appreciate the help!
    Jun 28, 2015. 09:44 AM | Likes Like |Link to Comment
COMMENTS STATS
396 Comments
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