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cpa28761

cpa28761
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  • Mid-Year Dividend Income-Growth Portfolio Rebalance: 4.6% Yield And Lower Beta [View article]
    >>>This strategy looks like a winner in qualified retirement accounts. In a taxable account you would have to find much higher yields with higher risk to make it worthwhile.<<<

    Bear in mind that qualified retirement accounts are tax deferred rather than tax free. All income and capital gains from a qualified retirement account, when withdrawn, will be taxed at ordinary income rates. Therefore chasing riskier investments for higher yields in taxable accounts does would NOT make any strategy worthwhile.
    Sep 10, 2012. 08:23 AM | Likes Like |Link to Comment
  • Retirees Don't Need Income, They Need Spending Money [View article]
    >>>To me capitalism only works well for a minority of the people in the system.<<<


    http://bit.ly/U3l1nv

    I can't add to this.
    Sep 9, 2012. 02:19 PM | Likes Like |Link to Comment
  • Retirees Don't Need Income, They Need Spending Money [View article]
    >>>I don't see the need for "regulation". If a piece of paper represents a particular amount of gold, and no one (like the U.S. Treasury) can just print more when they feel like it, then the means of exchange work just fine, without anyone "regulating" it.<<<

    If we want the economy to grow (i.e., make more goods and services), how could it do so if there cannot be more money to pay for the additional stuff?
    Sep 7, 2012. 02:18 PM | Likes Like |Link to Comment
  • Retirees Don't Need Income, They Need Spending Money [View article]
    Dave:

    If we knew 205's age, we could determine if simply annuitizing a portion of the $5 million would be a viable alternative.

    Sheldon
    Sep 7, 2012. 08:34 AM | Likes Like |Link to Comment
  • Sell Bristol Myers: 4% Dividend Yield Doesn't Justify Expensive Valuations [View article]
    Mike, there is no foreign tax withheld by UK payers to individuals in the USA.

    Long; GSK, RDSB
    Sep 6, 2012. 02:49 PM | Likes Like |Link to Comment
  • Retirees Don't Need Income, They Need Spending Money [View article]
    With what would we replace the Federal Reserve? The Constitution provides Congress with the power to:

    To coin Money, regulate the Value thereof....

    Would we really want individuals whose political ambition is their guiding principle to have authority to "coin money"?
    Sep 6, 2012. 01:50 PM | Likes Like |Link to Comment
  • Healthcare: The New Value Sector [View article]
    Doesn't HGHAX have a 5.5% front-end load with 1.49% expenses? I think those are steep prices for what Morningstar gives 3 of 5 stars.

    VGHCX is not a bad choice. Nor is FSPHX or FPHAX. All three are no load with about 0.80% expenses.
    Sep 4, 2012. 07:55 PM | Likes Like |Link to Comment
  • Healthcare: The New Value Sector [View article]
    gc, why not buy the individual stocks? In a fund, would you not lose the foreign tax credits for French and Swiss withholding on SNY and NVS, respectively?
    Sep 4, 2012. 09:49 AM | Likes Like |Link to Comment
  • For Income Investors: 2 Companies Going Ex-Dividend September 4th [View article]
    There are two reasons, simhai.

    First, the "safe" dividend on a GNMA fund may NOT account for the fund holding securities at values inflated by premiums. The yield, depending on the method of calculation, may not account for the amortization of those premiums.

    Second, stocks will have rising dividends and, in the long-term, rising principal values. For example, JNJ (Johnson & Johnson) yields 3.62% today, based on its dividend of $0.61 per quarter. It has a track record of having grown its dividend by 8.01% over the last five years. Five years ago, JNJ paid a quarterly dividend of $0.415. A bond's interest distribution is fixed. At 2.8% interest, even without accounting for the evaporation of the premiums in a bond fund's portfolio, you may not even keep pace with inflation.
    Sep 3, 2012. 12:57 PM | Likes Like |Link to Comment
  • What Has Gone Wrong For Procter & Gamble? [View article]
    >>>I am now holding UL instead of PG since the latter seems to be at a more mature point in its life cycle for branded products.<<<

    The former's laundry detergent branded products are dead. Wisk and All were sold off to a legacy brands company. How much "mature" do you get than that?
    Aug 28, 2012. 10:03 PM | Likes Like |Link to Comment
  • What Has Gone Wrong For Procter & Gamble? [View article]
    PG has been offering affordable brands for quite some time. In Sam's Club, Era is offered at the same price point as private label. There are Bounty and Charmin "basic" products. Joy is the basic brand while Dawn is the premium dish detergent.

    One difference between Unilever and PG is that PG exited the food business (on its terms) while Unilever is in food big time. Food is easily commoditized and vulnerable to generic competition.

    Long: PG
    Aug 28, 2012. 01:23 PM | Likes Like |Link to Comment
  • What Has Gone Wrong For Procter & Gamble? [View article]
    ERA is a PG brand.
    Aug 28, 2012. 08:27 AM | Likes Like |Link to Comment
  • What Has Gone Wrong For Procter & Gamble? [View article]
    E Nuf, your theory applies to many, if not most, manufacturers. Retail shelf space is the "franchise" rather than the product. PG is one of few companies where their brands are the franchise. If Tide and other PG products are not on the shelf, the consumer shops elsewhere.

    Long: PG, CL, KMB, JNJ, KO, PEP (and other guys who own the franchise)
    Aug 28, 2012. 08:26 AM | Likes Like |Link to Comment
  • A Cheap Oil Giant With Strong Balance Sheet And Hefty Dividend Checks [View article]
    glf4mny, I'm also with Fidelity. The dividends I received on 1/13/2012, 4/12/2012, and 7/10/2012 had 15% withholding. I don't hold TOT in an IRA, nor should anyone else.

    The dividend may be meandering downward, but it is still more twice that of XOM. It's more than that of competing investments.

    Like yourself, I own more than one integrated oil. Some investments are for current income. Others are inflation hedges. TOT fits into my total picture (pun intended or not).

    Long: CVX, RDSB, TOT
    Aug 27, 2012. 02:37 PM | Likes Like |Link to Comment
  • 3 Pharma Stocks With Downside Protection And Strong Dividend Yields [View article]
    I also prefer GSK. The others are practically 100% reliant on R&D for block buster drugs. I like GSK's diversification into consumer staples as well as drugs.

    Long: GSK & PFE
    Aug 26, 2012. 11:54 AM | Likes Like |Link to Comment
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