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billinsd

billinsd
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  • The 4% Rule Examined [View article]
    Again,,,not to sound like a expert,but I dont feel that DEBT is being discussed enough here.
    I live in San Diego,one of the most expensive cities in the USA,without working.
    A huge part of my secret <not so secret now>,is that Im debt free.
    We own a 13 year old convertible with 180,000 miles and a 11 year old civic with 68,000 miles.
    If you are debt free,your money goes a long,long way.

    Bill in San Diego
    Sep 14 11:26 AM | 2 Likes Like |Link to Comment
  • Dividend Champions: 15 Increases Expected By November 30 [View article]
    Mr Fish,

    Everybody loves a champion.
    I just added MSEX to our portfolio,and AFL earler in the year.

    Thank You for all your hard work,helping the "little guys",like me.


    Bill in San Diego
    Sep 13 12:28 PM | 4 Likes Like |Link to Comment
  • Realty Income: This REIT Should Be Part Of Every Dividend Investor's Portfolio [View article]
    R.S,

    O and Opf combined are my largest holding.
    Some people find this alarming,I have been dollar cost averaging at the rate of $2k per month.
    I have shares I paid in the 50's and shares I pad high 30's
    Like many I worry about when they raise the rates,however I dont think the rate hike will be fast and furious.
    I think it will be a slow and gradual rise,based on how the economy digests the outcome.
    I have constructed a "income portfolio" that pays me bi-weekly,the much of which comes from O and Opf.
    Every two weeks,I get paid,just like when I was working.
    Some find this silly,but it works well for me.


    Bill in San Diego
    Sep 13 10:22 AM | 4 Likes Like |Link to Comment
  • The 4% Rule Examined [View article]
    My goal is to have enough dividend income not have to touch the shares.
    Obviously that requires a fair sum,but if you can adjust your spending habits <by keeping debts low> it is possible.
    If your mortgage and autos are paid,you can live well on far less.


    Bill in San Diego

    p.s. I am now 2 full years into dividend income/growth investing.
    This past week we received 9 dividend checks in one week.
    Sep 13 10:13 AM | 3 Likes Like |Link to Comment
  • Look At These Juicy Yields - Are They Really Appropriate For Your Retirement Portfolios? [View article]
    Chuck,

    Always enjoy your thought provoking articles.
    Since I need income "O" is my largest holding.
    We own KMP,KMI,SO and PG too.
    WE avoid all mortgage reits.

    Not sure if that leaves me in too much danger,but when you need income you are forced to reach for yield.

    All the best
    Bill in San Diego...
    Sep 11 10:00 AM | 1 Like Like |Link to Comment
  • Retirement Strategy: How Did We Do In One Month? [View article]
    Added some Mcd and XOM thru direct purchase yesterday.
    Sep 10 07:55 AM | 1 Like Like |Link to Comment
  • 6 Rainy Day Dividend Stocks [View article]
    D4L,

    Own all 6,added to my LMT yesterday.
    Sep 9 09:42 AM | 2 Likes Like |Link to Comment
  • Realty Income Appears Undervalued [View article]
    In another article this week,lots of commentors were talking about how over valued O is.
    I took some heat for revealing that I am continuing my $2k per month,dollar cost averaging thru direct investing.
    LONG O
    Sep 8 10:38 PM | 2 Likes Like |Link to Comment
  • Pfizer: You Won't Fool Me Twice [View article]
    Wouldnt shock me if the hunter,becomes the hunted..
    Sep 7 10:08 AM | 1 Like Like |Link to Comment
  • If Annaly Is For Suckers, I Plead Guilty [View article]
    R.S,
    I previously worked in the casino industry as a floor supervisor.
    If you have ever spent time around a crap table <or any table game> you will always hear free advice from the fleas.
    Fleas are out of gambling money experts,who will tell you how you should bet.
    All fleas are experts,and I admit that at times,some of the people who write here sound like fleas.
    "Dont bet the hard 6,thats a sucker bet"
    "Dont bet the pass line,the house always wins"
    On one particular evening I had a expert flea,who was especially annoying.
    He constantly ragged on anyone betting anything except the 6 and 8 <the easiest numbers to make>
    The dice rolled nothing but hardways and horn bets all night long.
    I looked up at him and exclaimed "THEY ALL ARE SUCKER BETS IF THEY DONT WIN"
    I do not share your faith in NLY,however I do not view it as a sucker bet.
    I value and enjoy your opinions,far more than some of the fleas.

    Bill in San Diego
    Sep 6 11:56 AM | 3 Likes Like |Link to Comment
  • DGI For Dummies: Managing Your Dividend Growth Portfolio [View article]
    Alot of people told me I was a dummy,but I made more money than them.
    Sep 5 07:06 PM | 2 Likes Like |Link to Comment
  • Realty Income Price Swings: Too Risky To Buy Now? [View article]
    Again,if rates rise slowly,and Mr market is allowed to digest the slow rise in rates,share price will be fine.
    If rates skyrocket quickly,you had better worry about all of your portfolio,not just "O".
    The above arguments can be applied to most any blue chip dividend income security.
    Sep 5 07:03 PM | 1 Like Like |Link to Comment
  • Realty Income Price Swings: Too Risky To Buy Now? [View article]
    We have been adding 2k monthly,I have some that I paid $55 for,and some that I paid $44
    I admit to being nervous at these levels,hoping a slow rise in rates will not hurt share price as much as skyrocketing rates.
    We also own Opf,which has given us a nice capital gain along with steady monthly income.
    I feel the gain in Opf,offsets any current shares I "overpaid" for.
    I watch it very closely but my overall goal is long term,and I have confidence in O for that reason.
    Sep 5 09:30 AM | Likes Like |Link to Comment
  • Can A Successful Dividend Portfolio Be Assembled In 2014? - Part 2 [View article]
    Bob,

    Like Chuck and Mr Fish, I truly value your contributions.
    Please keep it coming


    Thanks
    Bill in San Diego
    Sep 4 12:19 PM | 2 Likes Like |Link to Comment
  • Yield On Cost: A Vitally Important Consideration For Retired Investors [View article]
    DVK,

    I seem to pick 1 or 2 failures per year
    Considering my portfolios are comprised of over 40 stocks,funds,mlps,bdcs,I like my batting average.

    This year my failure is ARCP,which reversed course and became a restaurant stock and golden parachute queen.
    I manage the whole pizza pie,not just one slice.
    I moved on....
    Sep 4 11:35 AM | 5 Likes Like |Link to Comment
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