<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/">
  <channel>
    <title>Doug Carey's Comments</title>
    <description>Doug Carey's Comments RSS Syndication from SeekingAlpha.com</description>
    <link>http://seekingalpha.com/user/785737/comments</link>
    <item>
      <title>Wal-Mart Or Target: Which Dividend For The Long Run?</title>
      <link>http://seekingalpha.com/article/1414311/comments?source=feed#comment-18619521</link>
      <guid isPermaLink="false">18619521</guid>
      <content>
        <![CDATA[That is right. And this is the only reason I do not own Target. Although Wal-Mart's debt levels are creeping up to a point where I am becoming wary of them as well.]]>
      </content>
      <pubDate>Thu, 09 May 2013 09:32:22 -0400</pubDate>
      <description>
        <![CDATA[That is right. And this is the only reason I do not own Target. Although Wal-Mart's debt levels are creeping up to a point where I am becoming wary of them as well.]]>
      </description>
    </item>
    <item>
      <title>Want To Retire Before 60? Here Is What You Need To Know</title>
      <link>http://seekingalpha.com/article/1388981/comments?source=feed#comment-18326361</link>
      <guid isPermaLink="false">18326361</guid>
      <content>
        <![CDATA[I think that's way too pessimistic. I usually reduce expected social security by 25% when I run my own plan.]]>
      </content>
      <pubDate>Wed, 01 May 2013 15:08:20 -0400</pubDate>
      <description>
        <![CDATA[I think that's way too pessimistic. I usually reduce expected social security by 25% when I run my own plan.]]>
      </description>
    </item>
    <item>
      <title>90% Of Green Energy Stocks Will Go Bankrupt... So Buy The Sector?</title>
      <link>http://seekingalpha.com/article/1354201/comments?source=feed#comment-17832731</link>
      <guid isPermaLink="false">17832731</guid>
      <content>
        <![CDATA[If you bet on green energy companies you are betting on government handouts. It's that simple. Without the handouts, no question 90% of them will go bankrupt, as they should.]]>
      </content>
      <pubDate>Fri, 19 Apr 2013 10:53:26 -0400</pubDate>
      <description>
        <![CDATA[If you bet on green energy companies you are betting on government handouts. It's that simple. Without the handouts, no question 90% of them will go bankrupt, as they should.]]>
      </description>
    </item>
    <item>
      <title>Coca-Cola For Your Retirement Portfolio</title>
      <link>http://seekingalpha.com/article/1318501/comments?source=feed#comment-17221891</link>
      <guid isPermaLink="false">17221891</guid>
      <content>
        <![CDATA[And Microsoft for the past 10 years.]]>
      </content>
      <pubDate>Thu, 04 Apr 2013 13:40:58 -0400</pubDate>
      <description>
        <![CDATA[And Microsoft for the past 10 years.]]>
      </description>
    </item>
    <item>
      <title>Dividend Yield Vs. Dividend Growth: Intel &amp; Microsoft</title>
      <link>http://seekingalpha.com/article/1311401/comments?source=feed#comment-17108101</link>
      <guid isPermaLink="false">17108101</guid>
      <content>
        <![CDATA[My wording is definitely not that great here. I did not mean that I don't take into account any price appreciation. I meant that I assume there is no price appreciation to keep the examples simple. Thanks for pointing this out. I will clarify in the future.]]>
      </content>
      <pubDate>Tue, 02 Apr 2013 09:46:11 -0400</pubDate>
      <description>
        <![CDATA[My wording is definitely not that great here. I did not mean that I don't take into account any price appreciation. I meant that I assume there is no price appreciation to keep the examples simple. Thanks for pointing this out. I will clarify in the future.]]>
      </description>
    </item>
    <item>
      <title>Reduce Or Eliminate Taxes On American Capital Agency, Other REITS</title>
      <link>http://seekingalpha.com/article/1228761/comments?source=feed#comment-15632951</link>
      <guid isPermaLink="false">15632951</guid>
      <content>
        <![CDATA[You can offset short-term gains with capital losses as well.]]>
      </content>
      <pubDate>Thu, 28 Feb 2013 10:57:53 -0500</pubDate>
      <description>
        <![CDATA[You can offset short-term gains with capital losses as well.]]>
      </description>
    </item>
    <item>
      <title>Reduce Or Eliminate Taxes On American Capital Agency, Other REITS</title>
      <link>http://seekingalpha.com/article/1228761/comments?source=feed#comment-15595521</link>
      <guid isPermaLink="false">15595521</guid>
      <content>
        <![CDATA[Who said I was backtesting anything? It's all forward looking.]]>
      </content>
      <pubDate>Wed, 27 Feb 2013 16:06:47 -0500</pubDate>
      <description>
        <![CDATA[Who said I was backtesting anything? It's all forward looking.]]>
      </description>
    </item>
    <item>
      <title>Reduce Or Eliminate Taxes On American Capital Agency, Other REITS</title>
      <link>http://seekingalpha.com/article/1228761/comments?source=feed#comment-15595461</link>
      <guid isPermaLink="false">15595461</guid>
      <content>
        <![CDATA[Exactly. Thanks for replying what I was about to. Many people simply don't understand the strategy very well.]]>
      </content>
      <pubDate>Wed, 27 Feb 2013 16:05:56 -0500</pubDate>
      <description>
        <![CDATA[Exactly. Thanks for replying what I was about to. Many people simply don't understand the strategy very well.]]>
      </description>
    </item>
    <item>
      <title>How A Company Like Johnson &amp; Johnson Can Rescue Your Retirement</title>
      <link>http://seekingalpha.com/article/1207271/comments?source=feed#comment-15338511</link>
      <guid isPermaLink="false">15338511</guid>
      <content>
        <![CDATA[Right, the numbers do work using that assumption. Thanks for clarifying. I may add an option to our calculators that allows for an assumption that the stock price moves to keep the dividend yield constant. Thanks for the feedback.]]>
      </content>
      <pubDate>Thu, 21 Feb 2013 18:01:39 -0500</pubDate>
      <description>
        <![CDATA[Right, the numbers do work using that assumption. Thanks for clarifying. I may add an option to our calculators that allows for an assumption that the stock price moves to keep the dividend yield constant. Thanks for the feedback.]]>
      </description>
    </item>
    <item>
      <title>How A Company Like Johnson &amp; Johnson Can Rescue Your Retirement</title>
      <link>http://seekingalpha.com/article/1207271/comments?source=feed#comment-15326461</link>
      <guid isPermaLink="false">15326461</guid>
      <content>
        <![CDATA[That implies a total return of over 10% per year. I'm assuming you must be inputting some sort of stock price growth as well. Otherwise the numbers cannot be right.]]>
      </content>
      <pubDate>Thu, 21 Feb 2013 14:46:23 -0500</pubDate>
      <description>
        <![CDATA[That implies a total return of over 10% per year. I'm assuming you must be inputting some sort of stock price growth as well. Otherwise the numbers cannot be right.]]>
      </description>
    </item>
    <item>
      <title>How A Company Like Johnson &amp; Johnson Can Rescue Your Retirement</title>
      <link>http://seekingalpha.com/article/1207271/comments?source=feed#comment-15274801</link>
      <guid isPermaLink="false">15274801</guid>
      <content>
        <![CDATA[Yes, I did assume dividend reinvestment. I should have pointed that out. As for the price gain due to dividends going up, it's really just a matter of the difference in taxes at that point. Capital gains would be better in one respect, and that is that they are not taxed until the holdings are sold. But the difference in the overall retirement plan numbers is not that stark.]]>
      </content>
      <pubDate>Wed, 20 Feb 2013 16:34:08 -0500</pubDate>
      <description>
        <![CDATA[Yes, I did assume dividend reinvestment. I should have pointed that out. As for the price gain due to dividends going up, it's really just a matter of the difference in taxes at that point. Capital gains would be better in one respect, and that is that they are not taxed until the holdings are sold. But the difference in the overall retirement plan numbers is not that stark.]]>
      </description>
    </item>
    <item>
      <title>How A Company Like Johnson &amp; Johnson Can Rescue Your Retirement</title>
      <link>http://seekingalpha.com/article/1207271/comments?source=feed#comment-15273111</link>
      <guid isPermaLink="false">15273111</guid>
      <content>
        <![CDATA[I actually think the numbers are worse than that because they don't take into account how much debt these people are in. Many people have some money saved, but they also have credit card debt, student loan debt, etc.]]>
      </content>
      <pubDate>Wed, 20 Feb 2013 16:06:40 -0500</pubDate>
      <description>
        <![CDATA[I actually think the numbers are worse than that because they don't take into account how much debt these people are in. Many people have some money saved, but they also have credit card debt, student loan debt, etc.]]>
      </description>
    </item>
    <item>
      <title>AT&amp;T And CenturyLink: How Will These Telecommunication Stocks' Dividends Fare Over Time?</title>
      <link>http://seekingalpha.com/article/1181401/comments?source=feed#comment-14998831</link>
      <guid isPermaLink="false">14998831</guid>
      <content>
        <![CDATA[CTL is a good example of why many of us push &quot;high quality&quot; dividend payers. By high quality I mean those with little to no debt, a long history of increasing dividends, and a payout ratio below 75%.]]>
      </content>
      <pubDate>Thu, 14 Feb 2013 15:13:54 -0500</pubDate>
      <description>
        <![CDATA[CTL is a good example of why many of us push &quot;high quality&quot; dividend payers. By high quality I mean those with little to no debt, a long history of increasing dividends, and a payout ratio below 75%.]]>
      </description>
    </item>
    <item>
      <title>Future Stock Market Returns And Your Retirement Plan</title>
      <link>http://seekingalpha.com/article/1164191/comments?source=feed#comment-14710541</link>
      <guid isPermaLink="false">14710541</guid>
      <content>
        <![CDATA[You can run these in our Retirement Planner. Feel free to sign up for a free trial at <a rel='nofollow' target='_blank' href='http://bit.ly/ylqKdW'>http://bit.ly/ylqKdW</a>]]>
      </content>
      <pubDate>Thu, 07 Feb 2013 15:17:01 -0500</pubDate>
      <description>
        <![CDATA[You can run these in our Retirement Planner. Feel free to sign up for a free trial at <a rel='nofollow' target='_blank' href='http://bit.ly/ylqKdW'>http://bit.ly/ylqKdW</a>]]>
      </description>
    </item>
    <item>
      <title>Future Stock Market Returns And Your Retirement Plan</title>
      <link>http://seekingalpha.com/article/1164191/comments?source=feed#comment-14710511</link>
      <guid isPermaLink="false">14710511</guid>
      <content>
        <![CDATA[The couple in my example is 55, not 35.]]>
      </content>
      <pubDate>Thu, 07 Feb 2013 15:16:19 -0500</pubDate>
      <description>
        <![CDATA[The couple in my example is 55, not 35.]]>
      </description>
    </item>
    <item>
      <title>Future Stock Market Returns And Your Retirement Plan</title>
      <link>http://seekingalpha.com/article/1164191/comments?source=feed#comment-14706241</link>
      <guid isPermaLink="false">14706241</guid>
      <content>
        <![CDATA[Sorry for the confusion. The &quot;all in IRAs&quot; is a misprint. Thanks for pointing it out.]]>
      </content>
      <pubDate>Thu, 07 Feb 2013 13:51:49 -0500</pubDate>
      <description>
        <![CDATA[Sorry for the confusion. The &quot;all in IRAs&quot; is a misprint. Thanks for pointing it out.]]>
      </description>
    </item>
    <item>
      <title>Retirement Strategy For The 40-Somethings</title>
      <link>http://seekingalpha.com/article/1117861/comments?source=feed#comment-13871311</link>
      <guid isPermaLink="false">13871311</guid>
      <content>
        <![CDATA[No doubt having the income in retirement support you is the way to go. But unfortunately with interest rates so low and many people refusing to have too much money in stocks in retirement, that is simply not possible for a lot of people any more.]]>
      </content>
      <pubDate>Fri, 18 Jan 2013 09:25:11 -0500</pubDate>
      <description>
        <![CDATA[No doubt having the income in retirement support you is the way to go. But unfortunately with interest rates so low and many people refusing to have too much money in stocks in retirement, that is simply not possible for a lot of people any more.]]>
      </description>
    </item>
    <item>
      <title>Retirement Strategy For The 40-Somethings</title>
      <link>http://seekingalpha.com/article/1117861/comments?source=feed#comment-13844271</link>
      <guid isPermaLink="false">13844271</guid>
      <content>
        <![CDATA[Thanks richjoy- It does seem that 68 is the new 65. Actually, 72 might be the new 65 for many people these days when it comes to when they can retire. ]]>
      </content>
      <pubDate>Thu, 17 Jan 2013 16:33:14 -0500</pubDate>
      <description>
        <![CDATA[Thanks richjoy- It does seem that 68 is the new 65. Actually, 72 might be the new 65 for many people these days when it comes to when they can retire. ]]>
      </description>
    </item>
    <item>
      <title>Retirement Strategy For The 40-Somethings</title>
      <link>http://seekingalpha.com/article/1117861/comments?source=feed#comment-13844211</link>
      <guid isPermaLink="false">13844211</guid>
      <content>
        <![CDATA[The $50,000 does not include the amount they will pay in taxes.]]>
      </content>
      <pubDate>Thu, 17 Jan 2013 16:32:02 -0500</pubDate>
      <description>
        <![CDATA[The $50,000 does not include the amount they will pay in taxes.]]>
      </description>
    </item>
    <item>
      <title>How To Choose Weights For Your Dividend Paying Stocks</title>
      <link>http://seekingalpha.com/article/1105651/comments?source=feed#comment-13605041</link>
      <guid isPermaLink="false">13605041</guid>
      <content>
        <![CDATA[I took the number straight from Yahoo finance. I didn't calculate anything with regards to debt to equity.]]>
      </content>
      <pubDate>Fri, 11 Jan 2013 16:18:49 -0500</pubDate>
      <description>
        <![CDATA[I took the number straight from Yahoo finance. I didn't calculate anything with regards to debt to equity.]]>
      </description>
    </item>
    <item>
      <title>How To Choose Weights For Your Dividend Paying Stocks</title>
      <link>http://seekingalpha.com/article/1105651/comments?source=feed#comment-13596751</link>
      <guid isPermaLink="false">13596751</guid>
      <content>
        <![CDATA[It is here- <a rel='nofollow' target='_blank' href='http://yhoo.it/u6H2LN'>http://yhoo.it/u6H2LN</a>]]>
      </content>
      <pubDate>Fri, 11 Jan 2013 13:35:56 -0500</pubDate>
      <description>
        <![CDATA[It is here- <a rel='nofollow' target='_blank' href='http://yhoo.it/u6H2LN'>http://yhoo.it/u6H2LN</a>]]>
      </description>
    </item>
    <item>
      <title>How To Choose Weights For Your Dividend Paying Stocks</title>
      <link>http://seekingalpha.com/article/1105651/comments?source=feed#comment-13596681</link>
      <guid isPermaLink="false">13596681</guid>
      <content>
        <![CDATA[Yes, companies that have debt to equity above 100% will not work well in the spreadsheet. Initially this spreadsheet was designed for companies with relatively low debt and strong dividends. I will have to think of a good way to handle this problem. Thanks for pointing it out.]]>
      </content>
      <pubDate>Fri, 11 Jan 2013 13:35:00 -0500</pubDate>
      <description>
        <![CDATA[Yes, companies that have debt to equity above 100% will not work well in the spreadsheet. Initially this spreadsheet was designed for companies with relatively low debt and strong dividends. I will have to think of a good way to handle this problem. Thanks for pointing it out.]]>
      </description>
    </item>
    <item>
      <title>How To Choose Weights For Your Dividend Paying Stocks</title>
      <link>http://seekingalpha.com/article/1105651/comments?source=feed#comment-13559961</link>
      <guid isPermaLink="false">13559961</guid>
      <content>
        <![CDATA[I guess I'm not sure what the alternative is if you're not going to have some method for weighting your stocks. Dartboard? Random number generator? Most people use some methodology to weight their investments, whether they explicitly put it on paper or a spreadsheet or not.]]>
      </content>
      <pubDate>Thu, 10 Jan 2013 17:09:16 -0500</pubDate>
      <description>
        <![CDATA[I guess I'm not sure what the alternative is if you're not going to have some method for weighting your stocks. Dartboard? Random number generator? Most people use some methodology to weight their investments, whether they explicitly put it on paper or a spreadsheet or not.]]>
      </description>
    </item>
    <item>
      <title>Taxes Are Going Up: When Can You Retire Now?</title>
      <link>http://seekingalpha.com/article/1092271/comments?source=feed#comment-13305861</link>
      <guid isPermaLink="false">13305861</guid>
      <content>
        <![CDATA[Yes, that was a mistake. I was supposed to split that balance between IRAs and taxable funds. That would lower their probably of success slightly, but the impact isn't extremely large.]]>
      </content>
      <pubDate>Fri, 04 Jan 2013 12:09:51 -0500</pubDate>
      <description>
        <![CDATA[Yes, that was a mistake. I was supposed to split that balance between IRAs and taxable funds. That would lower their probably of success slightly, but the impact isn't extremely large.]]>
      </description>
    </item>
    <item>
      <title>Taxes Are Going Up: When Can You Retire Now?</title>
      <link>http://seekingalpha.com/article/1092271/comments?source=feed#comment-13299101</link>
      <guid isPermaLink="false">13299101</guid>
      <content>
        <![CDATA[Taxes is the answer.  And remember, in the worst-case scenario I have social security being reduced for them.]]>
      </content>
      <pubDate>Fri, 04 Jan 2013 09:38:34 -0500</pubDate>
      <description>
        <![CDATA[Taxes is the answer.  And remember, in the worst-case scenario I have social security being reduced for them.]]>
      </description>
    </item>
    <item>
      <title>Taxes Are Going Up: When Can You Retire Now?</title>
      <link>http://seekingalpha.com/article/1092271/comments?source=feed#comment-13269461</link>
      <guid isPermaLink="false">13269461</guid>
      <content>
        <![CDATA[It's the total amount spent. So if 35K comes from social security then they need 5K from other sources.]]>
      </content>
      <pubDate>Thu, 03 Jan 2013 14:17:43 -0500</pubDate>
      <description>
        <![CDATA[It's the total amount spent. So if 35K comes from social security then they need 5K from other sources.]]>
      </description>
    </item>
    <item>
      <title>Taxes Are Going Up: When Can You Retire Now?</title>
      <link>http://seekingalpha.com/article/1092271/comments?source=feed#comment-13269391</link>
      <guid isPermaLink="false">13269391</guid>
      <content>
        <![CDATA[I do, actually. &quot; So I moved the 25% of Treasury funds they own into a 50/50 combination of Treasury-Inflation Protected Securities (<a href='http://seekingalpha.com/symbol/tip' title='iShares Barclays TIPS Bond ETF'>TIP</a>) and a portfolio of solid dividend paying stocks with a history of consistent dividend growth...&quot;]]>
      </content>
      <pubDate>Thu, 03 Jan 2013 14:16:58 -0500</pubDate>
      <description>
        <![CDATA[I do, actually. &quot; So I moved the 25% of Treasury funds they own into a 50/50 combination of Treasury-Inflation Protected Securities (<a href='http://seekingalpha.com/symbol/tip' title='iShares Barclays TIPS Bond ETF'>TIP</a>) and a portfolio of solid dividend paying stocks with a history of consistent dividend growth...&quot;]]>
      </description>
    </item>
    <item>
      <title>Taxes Are Going Up: When Can You Retire Now?</title>
      <link>http://seekingalpha.com/article/1092271/comments?source=feed#comment-13257791</link>
      <guid isPermaLink="false">13257791</guid>
      <content>
        <![CDATA[Dave- I assumed they spend $40K per year in retirement. Check out the table in the article. I list many of the assumptions used there.]]>
      </content>
      <pubDate>Thu, 03 Jan 2013 10:43:07 -0500</pubDate>
      <description>
        <![CDATA[Dave- I assumed they spend $40K per year in retirement. Check out the table in the article. I list many of the assumptions used there.]]>
      </description>
    </item>
    <item>
      <title>Dividend Yield Vs. Dividend Growth: Kimberly-Clark Vs. Wal-Mart</title>
      <link>http://seekingalpha.com/article/1082911/comments?source=feed#comment-13059691</link>
      <guid isPermaLink="false">13059691</guid>
      <content>
        <![CDATA[Very good comments and questions in this thread. Steve, you asked &quot;You could always switch from KMB to WMT at that point.&quot;<br/><br/>The main reason is this: Most likely the price of Wal-Mart's stock will have risen by that point so you would have missed out on the price growth and you will now be locking in a lower yield-on-cost. You would also have missed out on all of the dividend growth during this time. <br/><br/>My view is that when you invest in DG companies you are betting on their business model and their continued growth in earnings and dividends. If you believe in the company and trust the company to keep growing their dividends then they might be the better investment compared to a higher yielding stock.<br/><br/>What I really try to show with these articles is that you don't have to have a 4%+ dividend yield to be a solid long-term investment. It's very important to understand the potential a DG stock can have, which is why I like to run the numbers over 10 and 20 years.]]>
      </content>
      <pubDate>Fri, 28 Dec 2012 10:06:04 -0500</pubDate>
      <description>
        <![CDATA[Very good comments and questions in this thread. Steve, you asked &quot;You could always switch from KMB to WMT at that point.&quot;<br/><br/>The main reason is this: Most likely the price of Wal-Mart's stock will have risen by that point so you would have missed out on the price growth and you will now be locking in a lower yield-on-cost. You would also have missed out on all of the dividend growth during this time. <br/><br/>My view is that when you invest in DG companies you are betting on their business model and their continued growth in earnings and dividends. If you believe in the company and trust the company to keep growing their dividends then they might be the better investment compared to a higher yielding stock.<br/><br/>What I really try to show with these articles is that you don't have to have a 4%+ dividend yield to be a solid long-term investment. It's very important to understand the potential a DG stock can have, which is why I like to run the numbers over 10 and 20 years.]]>
      </description>
    </item>
    <item>
      <title>Dividend Yield Vs. Dividend Growth: Kimberly-Clark Vs. Wal-Mart</title>
      <link>http://seekingalpha.com/article/1082911/comments?source=feed#comment-13024591</link>
      <guid isPermaLink="false">13024591</guid>
      <content>
        <![CDATA[Mike-  It is good to be diversified, but the main point I like to get across in these articles is that a high dividend yield might not be as valuable as some might think. You have to run the numbers and see just how the cash flows pan out over the long-run. I always run several scenarios first to see what my total return will be over a 10 year and a 20 year time frame.]]>
      </content>
      <pubDate>Thu, 27 Dec 2012 10:05:23 -0500</pubDate>
      <description>
        <![CDATA[Mike-  It is good to be diversified, but the main point I like to get across in these articles is that a high dividend yield might not be as valuable as some might think. You have to run the numbers and see just how the cash flows pan out over the long-run. I always run several scenarios first to see what my total return will be over a 10 year and a 20 year time frame.]]>
      </description>
    </item>
  </channel>
</rss>
