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  • AT&T And 'Losing' To Inflation [View article]
    There is the old line of thinking that if you have enough income you dont need to worry about inflation.
    T carries a sizeable portion of my portfolio and Im always looking for more at the right price.

    Bill in San Diego
    Dec 25, 2014. 04:40 PM | 34 Likes Like |Link to Comment
  • I Love My 'Magic Pants' And My Partners Wear Them Proudly [View article]

    Period,THE END.

    Recently I had a friend tell me "I can lead you to water,but I cant make you drink"
    He grew frustrated that I was not buying the stocks that he specifically knew <with the help of GOD> were going to make me rich.
    Upon hearing his frustration <eventually he told me I was STUPID> I advised him that his stock picks "did not meet my financial business plan"
    I could see how controlling and condescending this friend had become.
    I ended the friendship,just short of telling him to go

    I dont read every author on S/A
    I read the contributors who fit "my financial business plan"

    Dont let them get to you Chuck....
    Stick to your game plan and let them stick to theirs...

    Bill in San Diego...
    Mar 19, 2014. 11:39 AM | 25 Likes Like |Link to Comment
  • 5 Reasons Your Shouldn't Retire? There's More Than 5 [View article]
    Hi Guys,
    Some of you are lawyers.
    Some of you are judges.
    Im about to argue with all of you.
    I had a very dear friend and mentor who was estranged from his father.
    Upon learning his father was dying he attempted to reunite and care for him.
    The old man was a hoarder,living in filth and stench.
    After his father died,they began to clean out his run down house.
    In the attic they found footlockers filled with uncashed war bonds.
    The estate was worth several million dollars,including a run down home in LA.
    The old man left no will,as that would have cost money.
    My friend immediately took leave from our job.
    He vowed to return once he got the legal mess straightened out.
    I reminded him he was now worth several million dollars and wouldnt need to return.
    As he began the legal battles to claim his new found fortune,he took ill.
    Like his father,he was diagnosed with a very aggressive cancer.
    My friend died,before his fortune could be probated.
    Lesson learned ?
    We work,and work,and work.
    We want,and want and want.
    Honda isnt good enough,need a mercedes.
    1 million isnt enough,we need 2,then 3...
    If you have your health,and ENOUGH to retire,RUN,dont look back, to the nearest door.
    Time spent with loved ones is worth more than the next million.
    Sep 19, 2013. 11:13 AM | 19 Likes Like |Link to Comment
  • Why It's A Mistake To Raise Cash For Fear Of A Market Crash [View article]
    Fugettabout it....
    Dec 26, 2013. 12:19 PM | 18 Likes Like |Link to Comment
  • The Crash Of Oil Prices Could Be The Opportunity Of The Decade [View article]
    I agree 100%
    Nov 18, 2014. 04:46 AM | 16 Likes Like |Link to Comment
  • My High Dividend Yield Retirement Portfolio Delivers 8.8% Of Income For This Retiree [View article]
    Too Risky for me
    Our portfolio is less than 1 million and we own 47 different holdings
    Some people may think 47 is too many,but I sleep well at night being diversified.
    Jul 24, 2014. 02:16 PM | 16 Likes Like |Link to Comment
  • Chevron's 4% Yield Is Too Good To Pass Up [View article]
    I have been catching the falling knives of CVX and COP.
    Im a cutlery specialist
    Dec 10, 2014. 09:06 AM | 15 Likes Like |Link to Comment
  • Don't Fret Over Outliving Your Money [View article]
    I will only consider annuities as I reach a age when I can no longer handle my own investing.
    Buying a annuity at age 65,that kicks in at age 85,is a horrible investment unless you are totally clueless about handling your own finances.
    Oct 4, 2013. 11:16 AM | 15 Likes Like |Link to Comment
  • How Fed Policy Has Devastated 3 Generations Of Retirees [View article]
    Alot of people dont realize it yet,but many can begin to plan their retirement in countries like Mexico and Panama.

    America,,,,you been fleeced...
    Fleeced of your jobs,benefits,future job growth,and just about anything to do with honesty...
    Sep 5, 2013. 11:00 AM | 15 Likes Like |Link to Comment
  • You Can Absolutely, Positively, Retire Early... Maybe [View article]

    While you may know my story,your followers may not.
    Laid off from a 63k per year casino job at age 55. <divorced,no kids>
    Far less than 1 million saved.
    I care for my pop with dementia.
    Initially the lay off was a financial shock to my system,I have never looked back.
    I am now 59,will access my IRA in July. <dividends only>
    Converted 2 entire portfolios from CD's and growth stocks over to growth/income securities <stocks,mlp's,funds... 1 BDC>.
    Many of the names listed above,my portfolio can be viewed in my profile.
    Paid off all debts including condo,auto.
    I get a small Fed Ex pension,pop gets SS.
    Enrolled in Obamacare,and tax rate fell to 15%
    We live in San Diego,one of the most expensive areas of the country
    We dine out daily.
    We keep it simple,shorts,flip flops,inexpensive trips,lots of beach,local music,local events.
    We shop wisely,yet rarely deny ourselves anything.
    This past year, I have lost many friends to both cancer and heart attack,all of which were younger than me.
    I highly recommend early retirement.

    I would return to work for the "right" job offer,yet I dont foresee that happening.
    I am more content now than at any time in my life.

    Having "ENOUGH" is more important than having it all.

    Bill in San Diego

    As I watch my friends die young,I decided to buy myself a brand new sports car.
    Life is very short my friends...

    Feb 27, 2015. 11:37 AM | 14 Likes Like |Link to Comment
  • AT&T: Short Term Opportunities For Medium Term Growth [View article]
    I love your "additional disclosures"
    Jan 21, 2015. 09:46 AM | 13 Likes Like |Link to Comment
  • Another Rule Of Thumb: Debunking The 80% Income Replacement Rule [View article]
    Forced to retire early and unexpectedly <pop with dementia>, I can cheerfully add this.
    I dont have a expansive theory or draw down,I offer real life experience.
    By not working,I save $3k per year in wardrobe,$5K per year in gasoline,$1k per year in dry cleaning.
    Also another 1 to 2k in "going out after work" expenses.
    Plain and simple,its all about debt.
    If your home and autos are paid off,you eliminate the above expenses,you can live on much less than your realize.
    You leave your previous social circles,and habits.
    My wardrobe is now shorts,bathing suits,and accessories by Wal Mart instead of Tommy Bahama.
    We arent wealthy but we have enough,including enough to share with those who have less.
    We are blessed.
    Aug 21, 2014. 01:07 PM | 13 Likes Like |Link to Comment
  • Dividend Growth Investing: Retiring On Dividend Income (Part 2) [View article]

    Love part 2
    While I am in the group of less than 1 million,my goal is to live on 4% dividend income provided to me from owning DGI stocks.
    I have a small pension,that will transcend into SS at age 62.
    The greatest contribution I can make to this thread is "CONTROL COSTS"
    You can live on much less,if your home,cars, and credit cards are all paid.
    People ask me "HOW ARE YOU DOING IT?"
    Simple answer,my condo is paid,my 2004 civic is paid,I dont OVERspend,yet I live a good life in sunny San Diego <#2 most expensive city to live>.
    May 27, 2014. 11:23 AM | 12 Likes Like |Link to Comment
  • Team Alpha And The Foundations For Financial Freedom [View article]
    While I am 100% for capitalism,we have become a nation of "haves and have nots".
    Clearly the 401k style of pension has failed us miserably.
    While I can not blame the government for people not saving,the fact remains if you have a wife and 2.5 kids and earn 50k per year,its pretty tough to save 20%.
    AS ceo salaries are rising 200% in some cases,other people cant find anything above a McJob.
    Pure and simple,,,GREED has destroyed us and it is very sad.
    Mar 23, 2013. 10:10 AM | 12 Likes Like |Link to Comment
  • A Retirement Reality: Save More, Spend Less And Invest In Dividend Stocks [View article]
    Great common sense solutions,to not real difficult problems
    I have been unemployed,the past 16 months <i have a interview tues>
    It has been a great humbling experience.
    It has also made me re focus on what is important once or if I return to work.
    I say if,because not everyone wants to hire 56 yr olds
    In my humble opinion,you will continue to see record numbers of Americans retire outside the USA.
    International Magazine can not educate people fast enough with their "retire abroad" seminars.
    If you havent saved enough,you will be forced to "think outside the box" to retire
    I only wish I had begun my dividend growth investing long ago instead of chasing home run stocks.
    Sep 23, 2012. 03:18 PM | 12 Likes Like |Link to Comment