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  • Home Do-It-Yourselfers Can Buy Themselves A Latte, Or Build A Solid Dividend Retirement, A Buck At A Time [View article]
    My suggestion is to live somewhere that does not get so hot that you need air conditioning, like I do - on the shores of Puget Sound.
    Apr 18, 2015. 05:15 PM | Likes Like |Link to Comment
  • Dividend Champions, Contenders And Challengers With 10-Year Declining Dividend Growth Rates [View article]
    george,

    The SA text editor has a maximum length for contiguous non-blank text. Any text that exceeds that length is truncated and terminated with elipses (...). The trick is to insert a blank periodically. Then if your text is a formula that does not allow blanks, tell your readers what you have done.
    Apr 18, 2015. 05:12 PM | 7 Likes Like |Link to Comment
  • ETN Showdown: MORL Correlations And Strategies [View article]
    This web site[1] does the correlations.

    I compared the correlation with NLY starting at 1/1/13 and again at 1/1/14. There is a major difference.

    [1]http://bit.ly/1oEtUbI
    Apr 18, 2015. 05:08 PM | 2 Likes Like |Link to Comment
  • Home Do-It-Yourselfers Can Buy Themselves A Latte, Or Build A Solid Dividend Retirement, A Buck At A Time [View article]
    My wife gave away her computerized sewing machine and her serger years ago, but she uses her computer daily and replaces it with a better system as regularly as I do mine. She also gave up the needlepoint long ago, but knits wool socks like a fiend and gives them away as gifts.
    Apr 18, 2015. 11:18 AM | 1 Like Like |Link to Comment
  • Bloomberg: Costco to pay near zero in new credit card deal [View news story]
    The secret to not making unplanned purchases at Costco is to shop with a list and stick to it. That is the same rule for any type of shopping anywhere.

    The green card will be leaving my wallet when Costco makes the changeover.
    Apr 17, 2015. 08:38 PM | 3 Likes Like |Link to Comment
  • Bloomberg: Costco to pay near zero in new credit card deal [View news story]
    I expect the latter.
    Apr 17, 2015. 08:34 PM | Likes Like |Link to Comment
  • Dividend Champions, Contenders And Challengers With 10-Year Declining Dividend Growth Rates [View article]
    Miz,

    Wow! Excel has Boolean operators. You (can) learn something new every day. I should spend more time with it.
    Apr 17, 2015. 08:24 PM | 1 Like Like |Link to Comment
  • Dividend Champions, Contenders And Challengers With 10-Year Declining Dividend Growth Rates [View article]
    David Johnston,

    Thanks for taking up the challenge. I was certainly not trying very hard when I wrote that (morning coffee had not yet kicked in), because within minutes I thought about using conditional formatting, which I already use extensively. I haven't looked but I'm pretty certain one could use your formula and base conditional formatting on the result. Green, amber, red.

    I use the 1-, 3-, and 5-year DGRs extensively in my spreadsheets. Another column should be easy. I try to judge my DG investments partly on their ability to maintain a steady growth. A rapid deceleration is a cause for concern.
    Apr 17, 2015. 08:18 PM | 1 Like Like |Link to Comment
  • Dividend Champions, Contenders And Challengers With 10-Year Declining Dividend Growth Rates [View article]
    Is there any way to automate either procedure in Excel? I cannot think of one.
    Apr 17, 2015. 01:24 PM | 1 Like Like |Link to Comment
  • Ares Capital: What Comes Next? [View article]
    Self education tends to stick better than passive learning. If you work to learn, you are more likely to understand it and make connections to related information.

    Articles like this are reminders for me. I think 'yes I knew that' or 'that had totally slipped my mind' or 'that is new, do I need to remember that?'.
    Apr 16, 2015. 12:55 PM | 5 Likes Like |Link to Comment
  • Several Dividend ETFs Slash Their Dividends By Up To 22% [View article]
    I have requested Mozart's piano concerto #22.
    Apr 13, 2015. 10:54 PM | 1 Like Like |Link to Comment
  • MLPL Delivers Growth And Solid Yield, But Is It Worth The Risk? [View article]
    This is a natural result of 1) how the leverage works as I understand it, and 2) the path of the AMZI over the past 3 months[1].

    At the start of each month, the leverage is adjusted to match the indicative value at the end of the prior month.

    If the indicative value has increased, then so must the absolute amount of leverage. UBS buys additional units of the MLPs in the AMZI with the increased leverage. The additional MLP units pay additional distributions, thus the MLPL distribution per share also increases.

    If the indicative value has decreased, then so must the absolute amount of leverage. UBS must sell enough MLP units to reduce the leverage to the correct amount. The reduced unit count results in reduced MLP distributions, thus the MLPL distribution per share is also reduced.

    The indicative value has decreased 2 of the past 3 months, with the net change down. Thus it appears that the net change in the indicative value, and the associated reduction in absolute leverage, has caused a larger reduction in the distribution than the increased distributions by the index MLPs.

    It would be very interesting to know if UBS ever answers your query and if this is their explanation.

    [1] http://on.mktw.net/1JE...
    Apr 13, 2015. 10:47 PM | 3 Likes Like |Link to Comment
  • Is Altria's Dividend Still Safe? [View article]
    gmansour,

    You have obviously not read the MSA, or you would know that there is no mention of $206 Billion.

    Give it up, the only person you are talking to us yourself.
    Apr 13, 2015. 07:14 PM | Likes Like |Link to Comment
  • REIT ETF/ETN Showdown: REM Vs. MORL [View article]
    I took a look at MORT using Morningstar and recognized two pure agency REITS - AGNC and CMO. I recognized several others that I know are hybrid. All of this is from having owned them either currently or in the past. Others may be pure agency but not to my specific knowledge.

    There is one guaranteed way to know which are agency: the 10-K filings. Web sites are probably as reliable.
    Apr 13, 2015. 06:25 PM | 1 Like Like |Link to Comment
  • Is Altria's Dividend Still Safe? [View article]
    An aunt of mine died from emphysema caused by a lifetime of exposure to second hand smoke. She was one of many victims of smokers. I quit smoking after I witnessed the graphical effect that emphysema has on a lifetime smoker.

    When I bought shares of MO, the money did not go into MO's coffers. It went into the pockets of some other investor. Further, MO actively buys its own shares. The net is that investors are not providing capital to MO and have not done so for a long time. I certainly have not, and I am not responsible for the actions of the original investors.
    Apr 12, 2015. 11:24 AM | Likes Like |Link to Comment
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