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bluebird40

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  • Does Entry Point Matter To A Dividend Growth Investor? [View article]
    Great article! Thank you for illustrating the effect of entry point on total return.
    I am bookmarking this article to reference whenever cash is burning a hole in my pocket. Patience, young Jedi!
    Oct 12 05:51 PM | 13 Likes Like |Link to Comment
  • 5 Years Until Retirement? What Is Your Plan? [View article]
    zgb,
    My husband used to be as angry as you. Lost TWO highly skilled jobs to India. Picked up, started a construction business. Housing crisis hit, that work dried up. Found a job, making much less money (he's extremely overqualified for the current position), but we manage. He's not too proud to work. Attitude is everything. We get by, and it's back to school to learn a new skill in health care, while working full time. It's not what we'd planned, but all you can do is start from where you are and move forward. Believe it or not, life is good, and we're both much happier now. My advice? Accept that your life is different now and do what you can to change your situation, whether it's a job you didn't think you'd take, a new business, or a new career path. Best of luck in your future.
    Oct 29 03:26 PM | 9 Likes Like |Link to Comment
  • The Trend Is Your Friend [View instapost]
    Chowder, thank you for another excellent article. I always learn from your instablogs and comments. You are very generous!
    May 30 06:37 PM | 5 Likes Like |Link to Comment
  • Is Total Return A Useful Metric For Income Investors? [View article]
    Pete,
    I'm about your age and don't have nearly as much in my retirement accounts as you do. However, I've taken some time to run several retirement and dividend reinvestment calculators, and what I find is that with regular contributions, increasing contributions once my husband finishes school, and greater contributions once the mortgage is paid, we should be able to have a decent retirement. I used conservative growth rates for capital, and it still comes out okay. It's even all right if I can't increase the contributions as much as I'd like, since those early contributions have time to compound. I think the key is to continue to make those regular contributions, and don't panic when the market does.
    Fludolph, thanks. You give me hope that it will all turn out okay.
    Nov 9 05:45 PM | 5 Likes Like |Link to Comment
  • Confessions Of A 'DGI Lite' Investor [View article]
    Congratulations on your first article, Miz Magic! I've always enjoyed your comments while lurking in the wings, and loved how you incorporated your sense of humor into your article. I'm also a new investor, though in a different phase of life. Thanks for sharing your experience with your errors in judgement as well as your successes. These are invaluable for all of us newbies! You've just gained another follower.
    Sep 12 12:06 PM | 4 Likes Like |Link to Comment
  • Dealing With Panic In Dividend Growth Investing [View article]
    Thanks for the reminder! Just bought more INTC last week.
    Sep 9 02:45 PM | 4 Likes Like |Link to Comment
  • Walgreen - The Greatest Stock That Nobody Loves [View article]
    My local Walgreen's is busy every time I go in. There is always a line in a town where you rarely wait in line, and our local economy has stunk for decades. The store is clean, they have updated their checkouts to touchscreen, and they have every convenience item, plus all of the drugstore items. Long WAG.
    Sep 11 07:20 PM | 3 Likes Like |Link to Comment
  • Dealing With Panic In Dividend Growth Investing [View article]
    Eddie, thank you for another great article. As a new dividend growth investor who is using dollar-cost averaging, it is still disheartening to see positions decline when I thought I bought in at a good valuation. I have been trying to remember that the value today doesn't matter so much, it's the income these stocks will pay me when I retire in 30 years. If I need to sell some positions during that accumulation phase, okay, but my goal with each position is to be in it for the long haul unless something fundamental changes. Your questions are excellent ones. I'm bookmarking this page to remind me to think twice when panic sets in.
    Sep 8 05:23 PM | 3 Likes Like |Link to Comment
  • Another Way To Reinvest Dividends [View article]
    Tim, as a young investor, I appreciate your articles. They remind me to look at the long view, not just what happens in a few months, a year, or even five or ten years. Your articles, along with those of the Davids, Chuck Carnevale, RAS, Eddie Herring, and others, are very helpful for those of us new to long-term DGI. Keep up the good work and good luck in law school.
    Aug 28 12:40 PM | 3 Likes Like |Link to Comment
  • How To Invest $3 Per Day For Retirement [View article]
    Nice article. In my high school economics class, many moons ago, our teacher told us how to become a millionaire by maxing out our IRA every year. At that age, saving $3000 per year seemed like an enormous sum, with college expenses breathing down our necks. Breaking it down into monthly/weekly amounts makes it so much more manageable. Thanks for sharing this.
    Apr 17 01:34 PM | 2 Likes Like |Link to Comment
  • Put Your Dividends Elsewhere To Hedge Against Failure [View article]
    Tim, this approach is one way of mitigating risk, though you may remove some of the hypercompounding effect of DGI. Personally, I think it depends on the size of the positions. Early in life, when one only owns a few shares, DRIPing makes sense. As those positions grow, and so do the dividend checks, pooling dividend funds for new or additional purchases at the investor's discretion makes sense. I like commenter Chowder's approach of holding 50+ different positions to protect the income stream, so a dividend cut and subsequent hit to the share price, like your BAC example above, isn't so painful.
    Dec 15 03:40 PM | 2 Likes Like |Link to Comment
  • Does Entry Point Matter To A Dividend Growth Investor? [View article]
    Chowder, these are excellent points for those of us in the accumulation phase. One of the lessons I'm taking from Chump's article (that I've been trying to reinforce lately!) is "buy the dip." Most of the quality companies on my watch list have had a dip in price at least once per year over the last 10 years or so, though not all have had them at the same time. Patience rewards the investor!
    One of the things I've learned from your son's portfolio is that one can find a quality investment that meets one's needs at a given time during the accumulation phase, even if we just narrow it down to a few candidates from the watch list. With a 30-year time horizon, that investment will have plenty of time for compounding to work its magic.
    Oct 15 12:48 PM | 2 Likes Like |Link to Comment
  • Dividend Growth: More Important Than Yield? [View article]
    Outcast, you may have a point about WAG. My experience with them has been quite different. I look at them as a pharmacy with an expanded convenience store, hence the high retail prices. My local Walgreen's is ALWAYS busy, in a community where one rarely waits in line for anything. They have taken a lot of business from other local pharmacies. I see people using them for a few items for a quick trip, rather than taking more time at a place like Walmart. When I have visited their stores in other cities, they are also busy. More price-conscious customers will likely shop elsewhere for their prescriptions, but those with prescription coverage and a copay may continue to opt for convenience. My $0.02.
    Oct 13 02:12 PM | 2 Likes Like |Link to Comment
  • Why It's Not Always About Yield [View article]
    Good point about risk, and one's ideas about value and opportunity for growth. An investor's time horizon certainly makes a difference as well.
    I have also added some additional money into INTC recently, because I see value, and it meets my metrics. Their balance sheet is in good shape, and I think they are in a good position to recover. However, as a new investor, there is still a part of me that wonders if I'm throwing good money after bad. Time will tell.
    Thanks for all of your articles. Your wisdom and experience is a big help to us newbies!
    Oct 9 01:23 PM | 2 Likes Like |Link to Comment
  • My Mad Method Meets The 'Chowder Dividend Rule' [View article]
    Great article. Thank you for sharing the Chowder Dividend Rule with a larger audience. Checking out my CCC picks, they all meet this rule (though the entire CCC list does not). I am adding it to my list of metrics I use for stock selection.
    Bob, I think this metric is also very important for those of us in the accumulation phase. It provides a measure of safety, and hopefully will provide for a larger dividend income stream down the road in retirement as well.
    Sep 11 02:10 PM | 2 Likes Like |Link to Comment
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30 Comments
61 Likes