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OntheRock

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  • Living In The Moment, Lessons Learned While Seeing Alaska [View instapost]
    Dave,
    My husband and I took that cruise back in 1985, including the float plane trip to Misty Fjords. Alaska tourism was just beginning at that time, and we were the only plane out on the lake. When I walked out on the pontoon, I heard the most perfect silence of my life! Your photo brings it all back.

    But I am glad we seized the moment back then and took the trip (even though it was a splurge) because now, in retirement, health issues prevent us from traveling so much. But it's ok, we are still walking around and enjoying every day.

    By the way, we fell so in love with Alaska and the Pacific Northwest that we retired out here from the East coast. Best summers in the country, but don't tell anyone!

    Marilyn
    Jul 27, 2013. 01:20 PM | 1 Like Like |Link to Comment
  • Market Strategy - Why I Sold INTC [View instapost]
    I appreciate the article. I was on the fence when I heard about the dividend freeze but would rather put the money into something less speculative. You laid it out pretty clear.
    Jul 26, 2013. 11:24 PM | Likes Like |Link to Comment
  • My Dividend Web Site Update - Earnings Data Are Now Available [View instapost]
    Thanks for your hard work. This enhances an already great resource, you are a tab on my bookmark bar!

    Marilyn
    Jul 24, 2013. 08:23 PM | 1 Like Like |Link to Comment
  • Dividend Growth Investors: Focus On Valuation Rather Than Price [View article]
    I was lucky enough to start investing in 2009, so bought many of the big blue chips at low prices. It is hard for me -emotionally - to consider adding to a position when the stock price is 50% or more higher than my initial purchase, even though I know that it may be fairly valued at the higher price. This article gives me a good analytical process to overcome that type of emotion based thinking. Thanks, Dave!
    Jul 22, 2013. 11:36 PM | 2 Likes Like |Link to Comment
  • The Industrial Sector Offers A Lot Of Value, Dividend Growth And Income [View article]
    Thanks, Chuck, for another great installment in your series of articles. Lots of ideas to research. You are tempting me to upgrade to the Premium service!

    Happy Fourth!
    Jul 4, 2013. 06:43 PM | Likes Like |Link to Comment
  • Beating Back Fear For Income Investors [View article]
    David, timely and really helpful article. I admit to watching CNBC, but when prices start to dip, I turn it off and don't look at my portfolio, except to update my dividend spreadsheet-there is an update to post every month, regardless of market gyrations. And I will bookmark this article to reread when the next big market dump happens! Thanks.
    Jul 2, 2013. 11:18 AM | 1 Like Like |Link to Comment
  • Finding Great Value In The Energy Sector [View article]
    Chuck, another great article, thanks for your hard work. I especially appreciate how you illustrate the nuances of using Fast Graphs. After reading this, I am going to go back though my portfolio to review it with the Fast Graphs tool. I, too, love the new features. Can't wait for the next article!

    Long CVX, XOM, COP, KMI.
    Jun 22, 2013. 01:09 PM | 2 Likes Like |Link to Comment
  • Get Your Dry Powder Out For The REIT Way To Beat Inflation [View article]
    Me, too. Started a position at 41.75. Wouldn't mind adding if it continues to drop.
    Jun 21, 2013. 01:24 AM | 1 Like Like |Link to Comment
  • Searching For Value And Finding It In Today's Market - Sector By Sector [View article]
    Chuck, I'm very excited to read all of the articles in this series. Thank you for all the hard work you put into your writing. I have learned a great deal from you, and am an enthusiastic Fast Graphs subscriber!
    Jun 14, 2013. 10:52 PM | 1 Like Like |Link to Comment
  • Is Apple A Tax Dodger? What About You? [View instapost]
    A simple taxing system, e.g., flat tax, will never be adopted because there is a huge industry of lawyers, tax accountants, etc. built on the complexities of the current code. It is totally unfair, of course, but Congress doesn't serve average citizens, who can't afford a cadre of K Street lobbyists to press their interests.

    Apple is playing the game well, and I agree with Rand Paul, some of those elected at that hearing risked being struck by lightening for their hypocrisy. I take every exemption to which I am entitled, and maxed out my 401, and ROTH IRA's every year I could. Now, in retirement, with the mortgage paid off, there aren't too many deductions left for a "little guy" like me, except the medical deduction, LOL, and they're going to take that away next.
    May 28, 2013. 08:44 PM | Likes Like |Link to Comment
  • The Trend Is Your Friend [View instapost]
    I just added to my RCI position last week. I started the position in the mid 30's, and regretted not having bought more. But I'm glad to see that M* still thinks it's undervalued (so does FastGraphs).
    May 27, 2013. 10:38 PM | Likes Like |Link to Comment
  • One Proposal To Fix Social Security [View instapost]
    The editorial infuriated me. We all live the consequences of our actions. I chose to work my way through college and graduate school, worked every day after graduation (no back packing through Europe), and saved and invested as much as I could. My husband and I didn't buy new cars every year, and we generally lived below our means. We figured it was our responsibility to plan for unexpected contingencies and to finance our own retirements. Yes, we managed to save and have some net wealth, but why are we suddenly on the hook for all the folks who made other choices that have left them less prepared? I'm not talking about the truly needy. I live in a loopy liberal state (Washington) and every discussion about government spending gets the same response, let the "rich" pay for it. Well, it seems to me that the "rich" is anyone with more money than the person talking.
    May 18, 2013. 04:41 PM | 5 Likes Like |Link to Comment
  • Why I Am A DG Investor [View instapost]
    Hi Dave,
    Been a reader since I started investing in 2009. I am so grateful to have found SA and the "old" DG authors.

    In 2009, my husbands job was eliminated and we were suddenly in retirement two to three years earlier than planned. He had to take a reduced social security benefit. Fortunately, we had saved like crazy, and had a pension that covered about half of our expenses, but it has no COL provision. We were OK as long as we watched expenses, but I was worried about future inflation, and I decided that we would not touch any principal for four years, until I hit social security eligibility, and our financial situation eased up a bit. As interest rates were so bad, I had to change my ultra conservative investment strategy of CDs and Treasuries. I came across an article by DVK, found his book then other authors, like you (and Norm) and I found DGI. It just made sense to my situation.

    I was lucky to have started when I did, because I bought some great companies at bargain bin prices, and with dividend reinvestment of most, not all, companies, our portfolio has grown dramatically. Now I realize it was dumb luck to have started when I did, and I just try to keep learning from the smart guys and become a better investor.

    Well, I am now eligible for social security, and my first goal has been met. But having learned so much here, I have a new goal, which is to continue to leave principal untouched, for the most part, and build that income stream every year. I love updating my dividend spreadsheet every month and see those dividends compounding and increasing. We don't have kids, but it would be nice to leave a big chunk of money to our favorite charities. Anyways, I want the peace of mind of knowing there are ample funds if (when) we hit a big medical bill. Retirement is great, but we are finding more and more body parts start to need replacement! :)

    Hope you and the "old" authors, Norm, the David's, Chowder, keep hanging around SA, because I depend on you guys!
    Marilyn
    May 18, 2013. 01:51 PM | 5 Likes Like |Link to Comment
  • Approaching Retirement: Things To Consider Concerning Social Security [View instapost]
    Dave,
    I turn 62 next week and I decided to start drawing my SSI as soon as I can. My DG income is substantially higher than my SSI, but I never considered not taking the SSI as soon as possible. Like Eddie, I did the math on the break even point, and realized I'd have to live a long, long time to break even.
    But some emotional factors got into it, too. Given how screwed up the government is with the budget and deficits, I figure I better collect now, before Congress changes eligibility/benefit rules, which is inevitable. I figure at least I will be grandfathered in. Part of it, too, is just that I paid so darned much for so many years (always at the maximum contribution rate), I want some back NOW so I can invest it. Wish I had been able to opt out of the system and invest it myself, I'd be sitting pretty now. But I think you are probably taking the more rational approach to the issue! Thanks for the article.
    Marilyn
    May 7, 2013. 01:06 PM | 1 Like Like |Link to Comment
  • Strategies For Dealing With A Possible Market Meltdown [View article]
    Dave,
    I really liked the clarity of this article. I was lucky enough to start my DG investing right after the big market drop, so I am sitting on a lot of unrealized gain. I am doing nothing, and have the comfort of those gains as a margin of safety. It will be a test of my resolve if we see a correction of more than 20%.
    Thanks for the great article!
    Marilyn
    May 7, 2013. 12:56 PM | Likes Like |Link to Comment
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