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  • The Future Of General Mills [View article]
    I consider Fiber One as one of GIS healthier cereals like its original Cheerios. I sprinkle them on a bowl full of berries and mix with an unsweetened vanila almond milk from Costco and it's wonderful in the mornings when I don't exercise and don't need protein.
    Jul 1 01:32 PM | 1 Like Like |Link to Comment
  • Let Dividends Do The Heavy Lifting For Your Retirement [View article]
    The article is fine, but the Buffet tidbit is a bit skewed, IMO. Do you really think he went from $1B to $58B because of the compounding excluding new deals and/or inking deals divvy deals with companies that were not available to the general public? Mr.Buffet's name is being dropped around way too casually I think. It would be more inspirational if you found a 'normal' middle class person with a regular salary achieving the same status except in millions. It's much easier to relate to, IMO.
    Jun 2 08:19 AM | 10 Likes Like |Link to Comment
  • 2 Stocks On My Watch List For June 2014 [View article]
    I'm DRIP'ing BAX. I was waiting for May's sell off, so I guess the sale is moving to June now? :-)
    May 29 03:49 PM | Likes Like |Link to Comment
  • DRIP: A Much Worse Deal Than You Think [View article]
    Definitely a terrible article starting with its title based on which I was hoping to see a table or two comparing how other options win against the DRIP plans. Here are my thoughts:
    1. Unless you invest in DG stocks in tax deferred accounts, you'll pay taxes regardless how you get a company's issued cash divvies. It doesn't matter whether you'll reinvest in the same co. or collect that cash to spend it or buy another stock, you'll still get that 1099-DIV and pay taxes.
    2. Some people like to save $1k and invest in ONE stock via a brokerage to minimize expense ratio of his/her investment. I've been a DRIP'er for 10 years now. It would've taken a while to save say $3k-$6k and invest in 5-7 companies. So, we signed up for a few companies that CS didn't impose purchase fees on and started investing in $50-100 a month in those few companies. Next week I'll stop our 1st stock (XOM) after reaching $9k of our invested cash (not counting reinvested dividends).
    3. I don't have time to watch prices of stocks, so DRIP takes away that guessing game from me. When I cared to compare market closing prices vs. DRIP invested prices, I noticed that sometimes I got a little worse prices and better prices quite a few times and IMO it's pretty much a wash for me.
    4. If not those $50-100 a month DRIP investments, we (DH & I) wouldn't have accumulated quite a few stocks with reasonable cost basis.
    5. After we retire and ready to use dividends instead of reinvesting them, we intend to transfer those DRIP's to one brokerage to keep it simple and minimize sale charges in case we need to sell and not worry about fractional shares left at CS.
    6. Yes, quite a few DRIPs are costly these days, but DRIP's don't force you to reinvest cash dividends back in the same company. E.g. If I wanted to reinvest back in KO, CS would charge 5% of reinvested divvies. That's outrageous! I collect cash instead. Same will be with PEP as soon as we reach 100 shares.

    Well, there were more thoughts to write but my kids just distracted me and have to go.... see what I mean about timing good entries into stocks and stuff :-).
    May 25 03:52 PM | 5 Likes Like |Link to Comment
  • If I Were Starting All Over Again [View article]
    Great article and comments. My advice to you is to ignore naysayers who criticize your choices of leading your own life. Hopefully one of your articles will 'wake up' a person drowning in today's consumerism and agree that she or he shouldn't feel entitled to own all the gadgets and toys and start saving. OTOH, if not for the consumers out there, we wouldn't be able to enjoy all this growth & dividends in the stock market. Is it a vicious cycle here? Probably, but I'll stay on your side b/c I just can't stand shopping, but I do like saving and investing for whatever crazy idea. The lesser I have the happier I feel. Less to clean, less to pack if there was a need to relocate, less to throw in the garbage b/c I do feel guilty it goes into landfills, more time to explore parks, greenways, hiking, swimming, or having a picnic with my family outside....
    May 21 12:46 PM | 2 Likes Like |Link to Comment
  • UGI Corp.: A Gas Utility That Dividend Growth Investors Can Love [View article]
    If I understand it correctly, UGI issues 1099 instead of K's? I just want to make sure I research a correct entity (I avoid K's and pain during tax season).
    May 13 09:00 PM | Likes Like |Link to Comment
  • Genuine Parts Company Dividend Stock Analysis [View article]
    Also, it's funny the author who doesn't communicate with people considers a great value when GPC seems overvalued on his spreadsheet.
    Apr 17 01:22 PM | Likes Like |Link to Comment
  • Procter & Gamble's Dividend Increase [View article]
    Mike: You're right I forgot that I looked up way too early. Then maybe PG will get into red on the ex-div date.
    Apr 10 12:56 PM | Likes Like |Link to Comment
  • Procter & Gamble's Dividend Increase [View article]
    BTW, I just looked up the price of PG, and it's in green. I thought it would be in red thanks to the dividend because some 'educators' on the SA said the dividend is deducted from the stock's price and it's meaningless for wealth/income creation.
    Apr 7 01:33 PM | 1 Like Like |Link to Comment
  • Procter & Gamble's Dividend Increase [View article]
    I love the increases too, but looking at the first table in the article, the DGR is going down slowly :-(. Based on the trend, the raise will not be more than 6.5-6.7% next year, but hopefully business will improve and we'll get the same or better increase.
    Thank you for the heads up.
    Apr 7 01:28 PM | 1 Like Like |Link to Comment
  • The Champions, Contenders And Challengers List: A 6-Year Review [View article]
    A wonderful article, PTI. Of course, statistical stuff flies over my head :-), but it was a good reminder to revisit Chowder rule again in the near future.
    Apr 3 09:28 PM | Likes Like |Link to Comment
  • After The Recent Stock Market Advances, Are Growth Stocks A Viable Option For Retirement Portfolios? Part 2 [View article]
    Like BuyAndHold said, everybody has his/her own investment style. It's not my cup of tea here. I'm still building my DGI portfolio which will be no more than 25% of our entire retirement portfolio. The rest is in index funds.
    Mar 28 09:26 AM | Likes Like |Link to Comment
  • Johnson Controls: Back To Consistency? [View article]
    Thanks for reminding to look at this stock again. I've always wanted to start a DRIP plan for it, then the div. freeze spooked me :-(.
    Mar 28 09:16 AM | Likes Like |Link to Comment
  • Selective Dividend Reinvestment Vs. DRIP [View article]
    I used DRIP plans mosly and SB brokerage for those stocks that have too many fees at there TA's (Transfer agents), e.g. PM, MCD, etc. I've been reinvesting stocks except RDS.B (I think the issue was that the divvy gets reinvested not back into RDS.B, but RDS.A, so I didn't want to complicate my life with this).

    I like DRIP'ing. However, a few years later I realized that when people reinvest dividends and wish or have to sell a portion of the DRIP, it would complicate tax reporting. They'd need to sell the whole position to avoid questions from the IRS or not sell at all and only be satisfied with dividends (which I hope for).

    When we decide to streamline our finances into one account I'll most likely transfer whole shares of all DRIP's to Vanguard. But for now I'll accumulate at CS, Amstock and WF that don't impose purchase fees or those fees are 1/2 the price at brokerages.
    Mar 27 02:19 PM | Likes Like |Link to Comment
  • Dividends And 'The Magic Pants' [View article]
    I'm confused now. So, if dividends don't matter (is it in real life or only mathematically/theory? I guess it's the latter), then why have companies issued them for so many years? Why did Microsoft, Apple, Starbucks join the dividend paying roster? If it's so clear (I admit it's not to me) everyone will fare better financially w/out dividends, what kind of boards, financial dummies do those companies hire that they advise to start paying dividends? Don't those people believe in spreadsheets and modeling like the author and a lot of commenters that supposedly shareholders would get richer w/out dividends? Does the same assumption apply to all companies in all industries despite their size and maturity? If I recall it correctly, Apple and Microsoft were under pressure to start paying dividends instead of hording cash. If those companies hadn't issued dividends, how fast would the price of the stock have grown? Even if you came with a number for MSFT or Apple as their current stock prices, nobody will ever know if it's true or not, all it is just a math exercise.
    Mar 22 07:53 PM | 1 Like Like |Link to Comment