Eddie Herring's Comments RSS Syndication from SeekingAlpha.com http://seekingalpha.com/user/908653/comments http://seekingalpha.com/article/1460381/comments?source=feed#comment-19225151 19225151
To answer the question in your title, the answer is no, it's also for those who want to "get rich and/or want income and/or both." I think that jives with your commentary. :-)

Eddie]]> Fri, 24 May 2013 17:45:54 -0400
To answer the question in your title, the answer is no, it's also for those who want to "get rich and/or want income and/or both." I think that jives with your commentary. :-)

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19179981 19179981
It's the one mentioned in the article that includes the picture of it. Then several people have commented on their particular setups as well. But there isn't a download or anything. If you want to PM me and give me an email address I will send you a sample of mine. Someone else asked me to do that and I can just send you the same I sent them. Then you can simply modify it for your own stocks. Hope this helps.

Eddie]]> Thu, 23 May 2013 16:45:20 -0400
It's the one mentioned in the article that includes the picture of it. Then several people have commented on their particular setups as well. But there isn't a download or anything. If you want to PM me and give me an email address I will send you a sample of mine. Someone else asked me to do that and I can just send you the same I sent them. Then you can simply modify it for your own stocks. Hope this helps.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19179801 19179801
Here's some for you:

The Ultimate Dividend Playbook by Josh Peters. He's the guy that runs Morningstar's dividend newsletter.

The Five Rules for Successful Stock Investing by Pat Dorsey (Subtitled "Morningstar's Guide to Building Wealth and Winning In The Market") - It's not specifically a dividend growth type book but gets into valuation and other items pertinent to investing in general. Also written in laymen's terms so that newer people can get more out of it. One of my favorites.

Dividends Still Don't Lie by Kelley Wright - He's the Managing Editor of the Investment Quality Trends newsletter.

Sensible Stock Investing by David P. Van Knapp - Yes, the same Dave that's on here. I think this was written before he actually became a DGI (He can correct me if I'm wrong) but it still has a lot of good stuff for good investing. It also has his scoring methodology for selecting stocks. I don't know if his top 40 ebooks have the same stuff in them so if you've already purchased some of them this may be a repeat. I just don't know on that part. Anyway, I think it's a well-written book.

Hope these help,
Eddie ]]> Thu, 23 May 2013 16:39:51 -0400
Here's some for you:

The Ultimate Dividend Playbook by Josh Peters. He's the guy that runs Morningstar's dividend newsletter.

The Five Rules for Successful Stock Investing by Pat Dorsey (Subtitled "Morningstar's Guide to Building Wealth and Winning In The Market") - It's not specifically a dividend growth type book but gets into valuation and other items pertinent to investing in general. Also written in laymen's terms so that newer people can get more out of it. One of my favorites.

Dividends Still Don't Lie by Kelley Wright - He's the Managing Editor of the Investment Quality Trends newsletter.

Sensible Stock Investing by David P. Van Knapp - Yes, the same Dave that's on here. I think this was written before he actually became a DGI (He can correct me if I'm wrong) but it still has a lot of good stuff for good investing. It also has his scoring methodology for selecting stocks. I don't know if his top 40 ebooks have the same stuff in them so if you've already purchased some of them this may be a repeat. I just don't know on that part. Anyway, I think it's a well-written book.

Hope these help,
Eddie ]]> http://seekingalpha.com/article/1448011/comments?source=feed#comment-19138861 19138861
Actually it's already been decoded. It's "drink your ovaltine." :-)

Eddie]]> Wed, 22 May 2013 18:06:19 -0400
Actually it's already been decoded. It's "drink your ovaltine." :-)

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19133871 19133871
Glad you enjoyed the article. Let me see if I can explain my rationale for selling part of MSFT & WM. When I say they had become overweight I mean that they had become on a percentage basis too large a portion of the total portfolio. Both of them had become about 11% each of the portfolio, or 22% total in 2 positions. At the time I sold I had a total of 25 positions in the portfolio which to maintain perfect balance means each position should have a 4% weighting in the portfolio. However I don't try to maintain perfect balance and because of variations in growth of different equities that would be impossible anyway. Just staying reasonably close to balanced is about all one can expect, in my opinion.

As I've written previously I have foundation (core) holdings in my portfolio that are long term holdings that I don't intend to sell unless 1 of 2 things happen, there is a fundamental change in the company (such as a dividend cut) or I become overweight. In this instance it was because they were overweight. What I did was to sell a little less than half of each of them.

I believe both MSFT and WM are good companies. But as I stated in the article my rule of thumb is that if the weighting gets so large that it makes me a little anxious, then I need to take some off the top. Robert Allan Schwartz above referred to it as my own "too big to fail" protocol which I hadn't thought of but actually like (Robert, I may have to plagiarize that in the future). Anyway, 11% in each made me uneasy to be perfectly honest so I sold enough of each one of them to bring them back down to about 5.5% each. That's still larger than what the average position size should be but I was much more comfortable with them at that point.

Now to be perfectly honest, I still have two other positions that are over-weight but I'm not uncomfortable with them so I'm in no hurry to adjust them. They are KO at about 13% and MCD at 8%. Everything else is under 4% each with the exception of RDS.B which is right at 5% but I'm not considering that overweight.

You raised a good point though in your question in regard to income weight versus stock price weight. Now the percentage weight I've used above in regard to the total value of the portfolio is obviously based on stock price. And it would almost seem contradictory on my part to sell since in the article my entire first premise was to focus on income. In fact you may be thinking right now there's no almost about it, it is contradictory but hang on.

I knew when I was considering selling a portion of those to balance the account that it would reduce my income. So then the question became if I did sell, how did I replace the income? As I've written previously I keep a very small portion of my portfolio for non-core short term holdings, usually for growth or higher yields. After some consideration here's what I did.

I purchased a half position in CVX (1.98%) and a half position in WFC (1.78%), along with a small position in some cumulative preferred shares of Goodrich Petroleum that aren't callable until 2018. I'm getting 9.8% yield on those preferred shares. Now CVX and WFC both are in my opinion worthy of long term holding consideration. And I felt both of them were under-valued even though they've both been climbing like crazy in price and they still had decent yields. The position in the preferred shares is more risky than either CVX or WFC but as I said since its a small portion it fell well within what I had set aside in the portfolio for that type of investment. The end result after selling a portion of MSFT and a portion of WM, and then adding CVX, WFC, and the preferreds was that I increased my income for the portfolio without adding money from outside the account. I believe I also increased the potential growth in income since both CVX and WFC have been growing dividends faster than WM.

Now let's test what I actually did against what I listed above in the article as my mindset for behaving correctly.

Investment Focus: I said I focus on income. I sold portions of two overweight positions based on their price/percentage of portfolio but increased my income.

Investment Selections: I said focus on quality companies. I also said you don't trade for a weaker player. I bought CVX and WFC while still keeping sizable positions in MSFT and WM. I think I could argue both CVX and WFC are quality companies and not weaker players. WFC cut their dividends back during the crisis but seems to have repented of that sin. But I also said don't get caught in a dividend yield trap and yet I bought preferred shares in Goodrich at 9.8% yield. However that fell within the portion of my portfolio allocated for riskier purchases, and cash flow has been growing and management in the company has a sizable position so I felt like it was not that risky.

Margin of Safety: I said I try to buy with a margin of safety and I believe both CVX and WFC were undervalued. A quick look at Fast Graphs on either one will substantiate that although Morningstar has them only at fair value. I also think they have economic moats based on size/footprints of the companies.

Diversification: I said I like to have at least 25 positions for diversification and I actually increased my position size to 28 positions. I only had 1 purely financial in the 25 positions (CBU) so by adding WFC I now have 2 banks and I added a 3rd oil and gas company to COP and RDS.B. I have KMI but consider it a pipeline.

It's A Business: I said have a plan and follow it, including buying and selling criteria and making rational decisions. Selling over-weight MSFT & WM and buying CVX & WM fell within my criteria. Now someone could argue I've lost my ever loving mind and acted totally irrational by buying the high yield preferred shares in Goodrich but it fell within my plan for my portfolio so I didn't violate any policies there.

So, based on what I did I think I passed my test. But, only time will tell the real answer and while I'm waiting for that answer I'll be collecting a higher income while waiting. I'm okay with that.

On your Excel spreadsheets it sounds like you got a good thing going. On mine I can see a year at a time of what is projected to be received and then see another year of what actually has been received (because of what my monitor screen size will allow me to see), but mine doesn't include the projections you have on yours. I really like that idea.

Scott, you raised some good questions and I hope that my convoluted answer makes sense. Thanks for reading and asking. I hope your investments are going well.

Eddie]]> Wed, 22 May 2013 16:40:01 -0400
Glad you enjoyed the article. Let me see if I can explain my rationale for selling part of MSFT & WM. When I say they had become overweight I mean that they had become on a percentage basis too large a portion of the total portfolio. Both of them had become about 11% each of the portfolio, or 22% total in 2 positions. At the time I sold I had a total of 25 positions in the portfolio which to maintain perfect balance means each position should have a 4% weighting in the portfolio. However I don't try to maintain perfect balance and because of variations in growth of different equities that would be impossible anyway. Just staying reasonably close to balanced is about all one can expect, in my opinion.

As I've written previously I have foundation (core) holdings in my portfolio that are long term holdings that I don't intend to sell unless 1 of 2 things happen, there is a fundamental change in the company (such as a dividend cut) or I become overweight. In this instance it was because they were overweight. What I did was to sell a little less than half of each of them.

I believe both MSFT and WM are good companies. But as I stated in the article my rule of thumb is that if the weighting gets so large that it makes me a little anxious, then I need to take some off the top. Robert Allan Schwartz above referred to it as my own "too big to fail" protocol which I hadn't thought of but actually like (Robert, I may have to plagiarize that in the future). Anyway, 11% in each made me uneasy to be perfectly honest so I sold enough of each one of them to bring them back down to about 5.5% each. That's still larger than what the average position size should be but I was much more comfortable with them at that point.

Now to be perfectly honest, I still have two other positions that are over-weight but I'm not uncomfortable with them so I'm in no hurry to adjust them. They are KO at about 13% and MCD at 8%. Everything else is under 4% each with the exception of RDS.B which is right at 5% but I'm not considering that overweight.

You raised a good point though in your question in regard to income weight versus stock price weight. Now the percentage weight I've used above in regard to the total value of the portfolio is obviously based on stock price. And it would almost seem contradictory on my part to sell since in the article my entire first premise was to focus on income. In fact you may be thinking right now there's no almost about it, it is contradictory but hang on.

I knew when I was considering selling a portion of those to balance the account that it would reduce my income. So then the question became if I did sell, how did I replace the income? As I've written previously I keep a very small portion of my portfolio for non-core short term holdings, usually for growth or higher yields. After some consideration here's what I did.

I purchased a half position in CVX (1.98%) and a half position in WFC (1.78%), along with a small position in some cumulative preferred shares of Goodrich Petroleum that aren't callable until 2018. I'm getting 9.8% yield on those preferred shares. Now CVX and WFC both are in my opinion worthy of long term holding consideration. And I felt both of them were under-valued even though they've both been climbing like crazy in price and they still had decent yields. The position in the preferred shares is more risky than either CVX or WFC but as I said since its a small portion it fell well within what I had set aside in the portfolio for that type of investment. The end result after selling a portion of MSFT and a portion of WM, and then adding CVX, WFC, and the preferreds was that I increased my income for the portfolio without adding money from outside the account. I believe I also increased the potential growth in income since both CVX and WFC have been growing dividends faster than WM.

Now let's test what I actually did against what I listed above in the article as my mindset for behaving correctly.

Investment Focus: I said I focus on income. I sold portions of two overweight positions based on their price/percentage of portfolio but increased my income.

Investment Selections: I said focus on quality companies. I also said you don't trade for a weaker player. I bought CVX and WFC while still keeping sizable positions in MSFT and WM. I think I could argue both CVX and WFC are quality companies and not weaker players. WFC cut their dividends back during the crisis but seems to have repented of that sin. But I also said don't get caught in a dividend yield trap and yet I bought preferred shares in Goodrich at 9.8% yield. However that fell within the portion of my portfolio allocated for riskier purchases, and cash flow has been growing and management in the company has a sizable position so I felt like it was not that risky.

Margin of Safety: I said I try to buy with a margin of safety and I believe both CVX and WFC were undervalued. A quick look at Fast Graphs on either one will substantiate that although Morningstar has them only at fair value. I also think they have economic moats based on size/footprints of the companies.

Diversification: I said I like to have at least 25 positions for diversification and I actually increased my position size to 28 positions. I only had 1 purely financial in the 25 positions (CBU) so by adding WFC I now have 2 banks and I added a 3rd oil and gas company to COP and RDS.B. I have KMI but consider it a pipeline.

It's A Business: I said have a plan and follow it, including buying and selling criteria and making rational decisions. Selling over-weight MSFT & WM and buying CVX & WM fell within my criteria. Now someone could argue I've lost my ever loving mind and acted totally irrational by buying the high yield preferred shares in Goodrich but it fell within my plan for my portfolio so I didn't violate any policies there.

So, based on what I did I think I passed my test. But, only time will tell the real answer and while I'm waiting for that answer I'll be collecting a higher income while waiting. I'm okay with that.

On your Excel spreadsheets it sounds like you got a good thing going. On mine I can see a year at a time of what is projected to be received and then see another year of what actually has been received (because of what my monitor screen size will allow me to see), but mine doesn't include the projections you have on yours. I really like that idea.

Scott, you raised some good questions and I hope that my convoluted answer makes sense. Thanks for reading and asking. I hope your investments are going well.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19127311 19127311
I agree, not only are Robert's commentaries very insightful but usually very direct and to the point, both of which are qualities I like.

Eddie]]> Wed, 22 May 2013 14:38:09 -0400
I agree, not only are Robert's commentaries very insightful but usually very direct and to the point, both of which are qualities I like.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19118881 19118881
"You have implemented your own "too-big-to-fail" protocol"

Hmmm, hadn't thought of it like that. Thanks.

Eddie]]> Wed, 22 May 2013 11:14:58 -0400
"You have implemented your own "too-big-to-fail" protocol"

Hmmm, hadn't thought of it like that. Thanks.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19111841 19111841
I hope you find the spreadsheet helpful and thanks for reading.

Eddie]]> Wed, 22 May 2013 09:15:06 -0400
I hope you find the spreadsheet helpful and thanks for reading.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19101031 19101031
Thanks. I appreciate the compliment and am glad you enjoy my articles. I'll try to keep writing as long as the brain functions... :-)

Eddie]]> Tue, 21 May 2013 23:08:11 -0400
Thanks. I appreciate the compliment and am glad you enjoy my articles. I'll try to keep writing as long as the brain functions... :-)

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19097871 19097871
You're very welcome. Thanks for reading and I'm glad you were able to get something out of the article. Best of luck with your investments.

Eddie]]> Tue, 21 May 2013 21:24:33 -0400
You're very welcome. Thanks for reading and I'm glad you were able to get something out of the article. Best of luck with your investments.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19090871 19090871
Sounds like you've got a good system going.

Eddie]]> Tue, 21 May 2013 17:29:33 -0400
Sounds like you've got a good system going.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19087191 19087191
Reminds me of a guy I used to work with. Said one time that he was NOT going to grow old gracefully, he was going kicking and screaming and fighting it every step of the way.]]> Tue, 21 May 2013 16:09:02 -0400
Reminds me of a guy I used to work with. Said one time that he was NOT going to grow old gracefully, he was going kicking and screaming and fighting it every step of the way.]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19086981 19086981
Thanks! It's good to hear from you. Hope you have been doing well.

Eddie]]> Tue, 21 May 2013 16:04:57 -0400
Thanks! It's good to hear from you. Hope you have been doing well.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19085051 19085051 Tue, 21 May 2013 15:28:41 -0400 http://seekingalpha.com/article/1447981/comments?source=feed#comment-19084941 19084941
Yeah, I was about sick after I found out my Dad had thrown away my old baseball cards Mom had stored in the attic after I went in the service.

Eddie]]> Tue, 21 May 2013 15:26:54 -0400
Yeah, I was about sick after I found out my Dad had thrown away my old baseball cards Mom had stored in the attic after I went in the service.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19084751 19084751 Tue, 21 May 2013 15:23:38 -0400 http://seekingalpha.com/article/1447981/comments?source=feed#comment-19084561 19084561
One of the things that I've thought about is those that are just now starting to invest, what will happen to them if the first major correction comes real soon? I often wonder if they will repeat the behavior I mentioned at the first part of the article.

Eddie]]> Tue, 21 May 2013 15:21:03 -0400
One of the things that I've thought about is those that are just now starting to invest, what will happen to them if the first major correction comes real soon? I often wonder if they will repeat the behavior I mentioned at the first part of the article.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19084421 19084421
Now see, I told you that you'd get a chance to chime in. HA! And a great chiming it is. If we're already in quality there's no "flight to quality" for us and we can then take advantage of the opportunity. And those butterflies you mention are exactly what I was talking about when I used the word anxiety in my article. Great comment. After thinking you didn't have anything to add you just earned an author's pick. :-)

Eddie]]> Tue, 21 May 2013 15:18:39 -0400
Now see, I told you that you'd get a chance to chime in. HA! And a great chiming it is. If we're already in quality there's no "flight to quality" for us and we can then take advantage of the opportunity. And those butterflies you mention are exactly what I was talking about when I used the word anxiety in my article. Great comment. After thinking you didn't have anything to add you just earned an author's pick. :-)

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19083181 19083181
I can get really nostalgic listening to my old vinyls. It makes me chuckle because my oldest son and daughter in law are really in to vinyl records now, going to music shops and collecting records. Even new groups that they listen to are coming out with music on vinyl. It's just amazing to me. It's like they discovered a new invention.

Eddie]]> Tue, 21 May 2013 15:01:46 -0400
I can get really nostalgic listening to my old vinyls. It makes me chuckle because my oldest son and daughter in law are really in to vinyl records now, going to music shops and collecting records. Even new groups that they listen to are coming out with music on vinyl. It's just amazing to me. It's like they discovered a new invention.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19082791 19082791 Tue, 21 May 2013 14:55:25 -0400 http://seekingalpha.com/article/1447981/comments?source=feed#comment-19080771 19080771
Thanks for that suggestion. I'll have to add it to my Amazon list.

Eddie]]> Tue, 21 May 2013 14:14:41 -0400
Thanks for that suggestion. I'll have to add it to my Amazon list.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19079061 19079061
You make a good point here that has relevancy to buying. Soldiers are trained to run "toward" the sound of gunfire. Wise investors will run "toward" the sound of panic selling and take advantage of those opportunities.

In regard to selling sometimes circumstances, such as you helping a family member, dictate to us times that we need to sell. But those are completely outside the scope of our normal selling practices, which should be rational and planned for. I like your comment.

Eddie]]> Tue, 21 May 2013 13:33:39 -0400
You make a good point here that has relevancy to buying. Soldiers are trained to run "toward" the sound of gunfire. Wise investors will run "toward" the sound of panic selling and take advantage of those opportunities.

In regard to selling sometimes circumstances, such as you helping a family member, dictate to us times that we need to sell. But those are completely outside the scope of our normal selling practices, which should be rational and planned for. I like your comment.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19078281 19078281
Thanks. Glad you enjoyed it. I know there are lots of ways my spreadsheet could be improved and automated, but I think it fits my personality, sort of plain and simple. Plus I actually enjoy sitting down once a month and entering the information and thinking about the different companies that are paying me for holding them. Going back to my music analogy from the article, it's like pulling out an old LP and listening to it on the turntable. Yeah, I could play an MP3 on the computer or in the Bose, and not have to get up so often and change the record. But I just like the sound of the records? Silly, huh? It's sort of like David Crosetti said over in one of his blogs. There's just something different about drinking out of the small glass bottles of Coke as compared to other containers.

Eddie]]> Tue, 21 May 2013 13:19:41 -0400
Thanks. Glad you enjoyed it. I know there are lots of ways my spreadsheet could be improved and automated, but I think it fits my personality, sort of plain and simple. Plus I actually enjoy sitting down once a month and entering the information and thinking about the different companies that are paying me for holding them. Going back to my music analogy from the article, it's like pulling out an old LP and listening to it on the turntable. Yeah, I could play an MP3 on the computer or in the Bose, and not have to get up so often and change the record. But I just like the sound of the records? Silly, huh? It's sort of like David Crosetti said over in one of his blogs. There's just something different about drinking out of the small glass bottles of Coke as compared to other containers.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19077551 19077551
That is an excellent idea and we might could then impose on one of the contributors who have their own websites to host the calculator. All we need now is an excel expert. Anyone know one? Any volunteers? ]]> Tue, 21 May 2013 13:04:53 -0400
That is an excellent idea and we might could then impose on one of the contributors who have their own websites to host the calculator. All we need now is an excel expert. Anyone know one? Any volunteers? ]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19074281 19074281
David Van Knapp did an article (http://seekingalpha.co...) recently on the most common stocks held by DGI folks. Seems like a lot of us are drawn to the same quality companies which is at it should be.

Sounds like you've got a lot of good detail in your spreadsheet.

Thanks for reading and commenting and best wishes with your investments.

Eddie]]> Tue, 21 May 2013 11:51:20 -0400
David Van Knapp did an article (http://seekingalpha.co...) recently on the most common stocks held by DGI folks. Seems like a lot of us are drawn to the same quality companies which is at it should be.

Sounds like you've got a lot of good detail in your spreadsheet.

Thanks for reading and commenting and best wishes with your investments.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19074071 19074071
No problem. Actually I did notice it and just assumed it was a typo.

And I really enjoyed your latest article http://seekingalpha.co.... Not only was it a good article but has had some great discussions going. Take care,

Eddie]]> Tue, 21 May 2013 11:45:44 -0400
No problem. Actually I did notice it and just assumed it was a typo.

And I really enjoyed your latest article http://seekingalpha.co.... Not only was it a good article but has had some great discussions going. Take care,

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19073501 19073501
You're right, it's not rocket science. Just diligence in applying common sense, being thorough, following the money, and managing your emotions. Thanks for reading and commenting. Best wishes to you in your investments.

Eddie]]> Tue, 21 May 2013 11:31:34 -0400
You're right, it's not rocket science. Just diligence in applying common sense, being thorough, following the money, and managing your emotions. Thanks for reading and commenting. Best wishes to you in your investments.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19073331 19073331
Thanks. Coming from someone I know is a professional writer I am really honored by your comment. And by sharing many of the same stocks when the correction comes maybe we can both increase the quantity of the sharing. HA! I really like Excel. Heck, I even use it as my calculator sometimes. I'm no expert in it though. But I bet you could probably find some tutorials on line for it. But that would mean working in time around golf and investing research. Gotta keep those priorities in order.

Eddie]]> Tue, 21 May 2013 11:28:14 -0400
Thanks. Coming from someone I know is a professional writer I am really honored by your comment. And by sharing many of the same stocks when the correction comes maybe we can both increase the quantity of the sharing. HA! I really like Excel. Heck, I even use it as my calculator sometimes. I'm no expert in it though. But I bet you could probably find some tutorials on line for it. But that would mean working in time around golf and investing research. Gotta keep those priorities in order.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19071951 19071951
Thank you for reading and I'm honored to be the recipient of your first comment. Best wishes for your investments.

Eddie]]> Tue, 21 May 2013 10:57:03 -0400
Thank you for reading and I'm honored to be the recipient of your first comment. Best wishes for your investments.

Eddie]]> http://seekingalpha.com/article/1447981/comments?source=feed#comment-19071931 19071931
Thanks. I'm guessing you'll get some PM's requesting samples of your spreadsheet. Thanks for offering it up. Hope your investing is going well.

Eddie]]> Tue, 21 May 2013 10:55:56 -0400
Thanks. I'm guessing you'll get some PM's requesting samples of your spreadsheet. Thanks for offering it up. Hope your investing is going well.

Eddie]]>