Bachelor of Science in Nuclear Engineering from University of Michigan - 1981
Master of Science in Environmental Engineering from Washington State University - 1997
33 year career in nuclear engineering, nuclear facility construction, US government contracting, DOE weapons complex decontamination and decommissioning, DOD contingency response and forward operating base design and construction.
Avid investor for more than 30 years, 25 years of that time with the Vanguard Group.
Married with one 16 year old son.
Hello, My name is Lily Wilson from the California, a great heaven in the Atlantic Ocean, I live in Los Angeles with my four children and my husband.Famous Astrologer in India .I am inundate in a venture to spread the Children Literature from the California around the world.I am interested in reading, coffee, music, travel, cooking and History.
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Founder of Bern Factor LLC, a registered investment advisory firm located in Virginia, and the sole investment advisor representative of the firm at present. My association with the Marketplace subscription service, Friedrich Global Research, is a collaboration with Mycroft Friedrich, another contributor on Seeking Alpha. Together we have nearly 80 years of investing and analysis experience. I am a former CPA (1990 -2017) and became a CFA charter holder in 2000. I consider myself an expert in Quantitative and Qualitative analysis and have extensive experience in Technical Analysis. I also have a deep interest in stock market history and hold degrees in Economics (BSBA) and Management Information Systems (MBA). I have been actively involved with investment analysis and investment management since 1985 but have been a student of investing since the 1960s. I owned my first individual stock position while still in high school. I am a student of Benjamin Graham and Warren Buffett. I have achieved a uniquely diverse experience from multiple careers that has allowed me to develop a broad perspective enabling me to look at the big picture of macroeconomics all the way down to the detail of a retail unit or factory floor. In my youth I was in retail, then served in reconnaissance during my tours in Vietnam. I have been a blue collar, union worker in a factory and a manager in services, hospitality and transportation as well as a manager of professional staffs. I have more than 20 years of experience each in both public and private sectors. I have personal points of reference that many analysts will never have. I bring more to the table than just the theories and models I have studied or built. To understand more about my investing philosophy please visit my website.
I own 306 stocks. Retired at age 60, currently age 64. Living off pensions and social security. I do not intend to draw on dividends before 2018. Total Portfolio yield 2.00%.
* My Percentage of portfolio allocation based on dividend yield:
Growth yield, 0%: 30.0%
Growth and Income yield, 0.1% - 2.7%: 43.0%
Slow Growth and Income yield, 2.71% - 5.0%: 22.0%
Income yield, 5.1% and up: 5.0%
* My PORTFOLIO STOCK COMPOSITION
Symbol : Description
AAPL : APPLE INC
ABBV : ABBVIE INC
ABCCF : ABCANN GLOBAL CORPORATION
ABMD : ABIOMED INC
ABT : ABBOTT LABORATORIES
ACBFF : AURORA CANNABIS INC
ACN : ACCENTURE PLC
ADBE : ADOBE SYSTEMS INC
ADP : AUTOMATIC DATA PROCESSING INC
AEP : AMERICAN ELECTRIC POWER COMPANY INC
AET : AETNA INC
AFL : AFLAC INC
AGR : AVANGRID INC
ALGN : ALIGN TECHNOLOGY INC
AMAT : APPLIED MATERIALS INC
AMGN : AMGEN INC
AMP : AMERIPRISE FINANCIAL INC
AMT : AMERICAN TOWER CORPORATION
AMTD : TD AMERITRADE HOLDING CORPORATION
AMZN : AMAZON COM
ANET : ARISTA NETWORKS
ANTM : ANTHEM INC
AOS : AO SMITH CORP
APHQF : APHRIA INC
APD : AIR PRODUCTS AND CHEMICALS INC
APH : AMPHENOL CORP
APTIV : APTIV PLC
APU : AMERIGAS PARTNERS LP
AQN : ALGONQUIN POWER
ARTNA : ARTESIAN RESOURCES CORPORATION
ATHM : AUTOHOME INC
ATVI : ACTIVISION BLIZZARD INC
AVGO : BROADCOM LTD
AVY : AVERY DENNISON CORP
AWK : AMERICAN WATER WORKS
AWR : AMERICAN STATES WATER CO
AZO : AUTOZONE INC
BA : BOEING CO
BABA : ALIBABA GROUP HOLDING LIMITED
BAC : BANK OF AMERICA CORPORATION
BAX : BAXTER INTERNATIONAL INC
BCR : CR BARD INC
BDX : BECTON DICKINSON AND COMPANY
BERY : BERRY GLOBAL GROUP INC
BFB : BROWN FORMAN CORP
BIDU : BAIDU INC
BIIB : BIOGEN INC
BIP : BROOKFIELD INFRASTRUCTURE PARTNERS LP
BKNG : BOOKING HOLDINGS INC
BLK : BLACKROCK
BMY : BRISTOL MYERS SQUIBB CO
BOFI : BOFI HOLDING INC
BR : BROADRIDGE FINANCIAL SOLUTIONS
BRKB : BERKSHIRE HATHAWAY INC NEW
BSTI : BEST INC
BSX : BOSTON SCIENTIFIC CORP
BTI : BRITISH AMERICAN TOBACCO PLC
BURL : BURLINGTON STORES INC
BZUN : BAOZUN INC
C : CITIGROUP INC
CADE : CADENCE BANCORPORATION
CASA : CASA SYSTEMS INC
CAT : CATERPILLAR INC
CBOE : CBOE GLOBAL MARKETS INC
CBRL : CRACKER BARREL OLD COUNTRY STORE INC
CCI : CROWN CASTLE INTERNATIONAL CORP REIT NEW
CE : CELANESE CORP
CELG : CELGENE CORPORATION
CERN : CERNER CORP
CHD : CHURCH AND DWIGHT CO INC
CHTR : CHARTER COMMUNICATIONS INC NEW
CI : CIGNA CORPORATION
CIM : CHIMERA INVESTMENT CORPORATION NEW
CL : COLGATE PALMOLIVE CO
CLX : CLOROX CO
CMCSA : COMCAST CORPORATION
CME : CME GROUP INC
CNC : CENTENE CORP
CNTTF : CANNTRUST HOLDINGS INC
COHR : COHERENT INC
CONE : CYRUSONE INC
COR : CORESITE REALTY CORPORATION
COST : COSTCO WHOLESALE CORPORATION
CPK CHESAPEAKE UTILITIES CORPORATION
CRM : SALESFORCE COM INC
CRON : CRONOS GROUP INC
CSCO : CISCO SYSTEMS INC
CSX : CSX CORPORATION
CTAS : CINTAS CORPORATION
CTRP : CTRIP COM INTERNATIONAL LTD
CTSH : COGNIZANT TECHNOLOGY SOLUTIONS CORPORATION
CVX : CHEVRON CORPORATION
CWT : CALIFORNIA WATER SERVICE GROUP
DBX : DROPBOX INC
DE : DEERE AND CO
DEO : DIAGEO PLC
DG : DOLLAR GENERAL CORPORATION
DIS : WALT DISNEY CO
DLR : DIGITAL REALTY TRUST INC
DLTR : DOLLAR TREE INC
DNKN : DUNKIN BRANDS GROUP INC
DRE : DUKE REALTY CORPORATION
DRI : DARDEN RESTAURANTS INC
DY : DYCOM INDUSTRIES INC
EA : ELECTRONIC ARTS INC
EADSY : AIRBUS SE
ED : CONSOLIDATED EDISON INC
EDU : NEW ORIENTAL EDUCATION AND TECHNOLOGY GROUP INC
EEFT : EURONET WORLDWIDE INC
EL : ESTEE LAUDER COMPANIES INC
EMHTF : EMERALD HEALTH THERAPEUTICS INC
ENB : ENBRIDGE INC
EPD : ENTERPRISE PRODUCTS PARTNERS LP
ESNT : ESSENT GROUP LTD
ETE : ENERGY TRANSFER EQUITY LP
EW : EDWARDS LIFESCIENCES CORP
EXR : EXTRA SPACE STORAGE INC
FANG : DIAMONDBACK ENERGY INC
FAST : FASTENAL COMPANY
FB : FACEBOOK INC
FDS : FACTSET RESEARCH SYSTEMS INC
FDX : FEDEX CORP
FISV : FISERV INC
FIVE : FIVE BELOW INC
FIZZ : NATIONAL BEVERAGE CORPORATION
FLO : FLOWERS FOODS INC
FLT : FLEETCOR TECHNOLOGIES
FTV : FORTIVE CORPORATION
GAIN : GLADSTONE INVESTMENT CORPORATION
GD : GENERAL DYNAMICS CORPORATION
GOOGL : ALPHABET INC
GPN : GLOBAL PAYMENTS INC
GRUB : GRUBHUB INC
HEI : HEICO CORP
HEINY : HEINEKEN NV
HEP : HOLLY ENERGY PARTNERS LP
HII : HUNTINGTON INGALLS INDUSTRIES INC
HON : HONEYWELL INTERNATIONAL INC
HRL : HORMEL FOODS CORPORATION
HRS : HARRIS CORPORATION
HYYDF : HYDROPOTHECARY
HTHT : CHINA LODGING GROUP LTD
ICE : INTERCONTINENTAL EXCHANGE INC
ICLR : ICON PLC
INCY : INCYTE CORPORATION
INGN : INOGEN INC
INGR : INGREDION INCORPORATED
INTC : INTEL CORPORATION
INTU : INTUIT INC
IPGP : IPG PHOTONICS CORPORATION
ISRG : INTUITIVE SURGICAL INC
ITW : ILLINOIS TOOL WORKS INC
JAZZ : JAZZ PHARMACEUTICALS PLC
JD : JD COM INC
JNJ : JOHNSON AND JOHNSON
JP : JUPAI HOLDINGS LIMITED
JPM : JP MORGAN CHASE AND CO
KMB : KIMBERLY CLARK CORP
LEA : LEAR CORP
LEG : LEGGETT AND PLATT INC
LFUS : LITTELFUSE INC
LKQ : LKQ CORPORATION
LLY : ELI LILLY AND CO
LMT : LOCKHEED MARTIN CORP
LNT : ALLIANT ENERGY CORP
LOW : LOWES COMPANIES INC
LRCX : LAM RESEARCH CORPORATION
LXRP : LEXARIA BIOSCIENCE CORPORATION
LYB : LYONDELLBASELL INDUSTRIES NV
MA : MASTERCARD INCORPORATED
MAIN : MAIN STREET CAPITAL CORP
MCD : MCDONALDS CORP
MEDFF : MEDRELEAF CORPORATION
MELI : MERCADOLIBRE INC
MDB : MONGODB INC
MKC : MCCORMICK AND CO
MMM : 3M COMPANY
MMP : MAGELLAN MIDSTREAM PARTNERS LP
MNST : MONSTER BEVERAGE CORPORATION
MO : ALTRIA GROUP INC
MOMO : MOMO INC
MPC : MARATHON PETROLEUM CORPORATION
MPWR : MONOLITHIC POWER SYSTEMS INC
MS : MORGAN STANLEY
MSCI : MSCI INC
MSEX : MIDDLESEX WATER COMPANY
MSFT : MICROSOFT CORPORATION
MTCH : MATCH GROUP INC
NBEV : NEW AGE BEVERAGES CORPORATION
NDAQ : NASDAQ INC
NDSN : NORDSON CORPORATION
NEE : NEXTERA ENERGY INC
NFLX : NETFLIX INC
NHI : NATIONAL HEALTH INVESTMENTS INC
NKE : NIKE INC
NOC : NORTHROP GRUMMAN CORP HOLDING CO
NOW : SERVICENOW INC
NPSNY : NASPERS
NSC : NORFOLK SOUTHERN CORP
NTES : NETEASE INC
NUE : NUCOR CORPORATION
NVDA : NVIDIA CORPORATION
NVEE : NV5 GLOBAL INC
NXTTF : NAMASTE TECHNOLOGIES INC
O : REALTY INCOME CORPORATION
ODFL : OLD DOMINION FREIGHT LINE INC
OKE : ONEOK INC
OLLI : OLLIES BARGAIN OUTLET HOLDINGS INC
OGRMF : ORGANIGRAM HOLDINGS INC
ORLY : O REILLY AUTOMOTIVE INC
OZRK : BANK OF THE OZARKS INC
PAGS : PAGSEGURO DIGITAL LTD
PANW : PALO ALTO NETWORKS INC
PAYC : PAYCOM SOFTWARE INC
PAYX : PAYCHEX INC
PCLN : PRICELINE GROUP INC
PEP : PEPSICO INC
PF : PINNACLE FOODS INC
PFGC : PERFORMANCE FOOD GROUP COMPANY
PKG : PACKAGING CORP
PLNT : PLANET FITNESS INC
PM : PHILIP MORRIS INTERNATIONAL INC
PRAH : PRA HEALTH SCIENCES INC
PSX : PHILLIPS 66
PYPL : PAYPAL HOLDINGS INC
QSR : RESTAURANT BRANDS INTERNATIONAL INC
RDDTF : RADIENT TECHNOLOGIES INC
REGN : REGENERON PHARMACEUTICALS INC
RHT : RED HAT INC
RMD : RESMED INC
ROP : ROPER TECHNOLOGIES INC
ROST : ROSS STORES INC
RSG : REPUBLIC SERVICES INC
RTN : RAYTHEON CO
RY : ROYAL BANK OF CANADA
SBUX : STARBUCKS CORPORATION
SCHW : CHARLES SCHWAB CORPORATION
SECO : SECOO HOLDING LTD
SGH : SMART GLOBAL HOLDINGS INC
SHW : SHERWIN WILLIAMS
SINA : SINA COM
SIVB : SVB CAPITAL II
SJM : JM SMUCKER COMPANY
SJW : SJW GROUP
SKX : SKECHERS USA
SNNVF : SUNNIVA INC
SODA : SODASTREAM INTERNATIONAL LTD
SPGI : S&P GLOBAL INC
SPLK : SPLUNK INC
SPR : SPIRIT AEROSYSTEMS HOLDINGS INC
SQ : SQUARE INC
SRE : SEMPRA ENERGY
STZ : CONSTELLATION BRANDS INC
SWK : STANLEY BLACK AND DECKER INC
SYK : STRYKER CORP
SYY : SYSCO CORP
TAL : TAL EDUCATION GROUP
TAP : MOLSON COORS BREWING COMPANY
TCEHY : TENCENT HOLDINGS LTD
TD : TORONTO DOMINION BANK
TDY : TELEDYNE TECHNOLOGIES
TEAM : ATLASSIAN CORPORATION PLC
THO : THOR INDUSTRIES
TJX : TJX COMPANIES INC
TLP : TRANSMONTAIGNE PARTNERS LP
TMO : THERMO FISHER SCIENTIFIC INC
TMUS : T MOBILE US INC
TRGP : TARGA RESOURCES CORPORATION
TSCO : TRACTOR SUPPLY COMPANY
TSM : TAIWAN SEMICONDUCTOR MANUFACTURING CO LTD
TSN : TYSON FOODS
TWMJF : CANOPY GROWERS
TXN : TEXAS INSTRUMENTS INCORPORATED
UL : UNILEVER PLC
ULTA : ULTA BEAUTY INC
UNH : UNITEDHEALTH GROUP INC
UNP : UNION PACIFIC CORP
UVE : UNIVERSAL INSURANCE HOLDINGS INC
V : VISA INC
VFC : VF CORPORATION
VGR : VECTOR GROUP LTD
VLO : VALERO ENERGY CORPORATION
VRSN : VERISIGN INC
WASH : WASHINGTON TRUST BANCORP INC
WB : WEIBO CORPORATION
WBA : WALGREEN BOOTS ALLIANCE INC
WCN : WASTE CONNECTIONS INC NEW
WEC : WEC ENERGY GROUP INC
WES : WESTERN GAS PARTNERS LP
WM : WASTE MANAGEMENT
WMT : WALMART STORES INC
WSO : WATSCO INC
WTR : AQUA AMERICA INC
WUBA : 58 COM INC
XEL : XCEL ENERGY INC
XPO : XPO LOGISTICS INC
XYL : XYLEM INC
YELP : YELP INC
YNDX : YANDEX NV
YORW : YORK WATER COMPANY
YRD : YIRENDAI LTD
YUM : YUM BRANDS INC
YY : YY INC
ZTO : ZTO EXPRESS CAYMAN INC
ZTS : ZOETIS INC
* My Portfolio Sector composition:
60 Technology stocks, 20% of portfolio, index is 22%.
36 Consumer Defensive stocks, 17% of portfolio, index is 7%.
42 Health Care stocks, 13% of portfolio, index is 13%
39 Consumer Cycle stocks, 12% of portfolio, index is 12%.
46 Industrial stocks, 11% of portfolio, index is 11%.
31 Financial Services stocks, 10% of portfolio, index is 17%.
20 Utility stocks, 6% of portfolio, index is 3%.
16 Energy stocks, 6% of portfolio, index is 6%.
8 Real Estate stocks, 2% of portfolio, index is 3%.
4 Communications stocks, 1% of portfolio, index is 3%.
3 Materials stocks, 1% of portfolio, index is 3%.
Just a guy with an interest in the stock market. Trying to find good companies with good yields so I can retire.
I am long:
Energy: CVX XOM
Finance: JPM AFL MA V
Industrials: LMT BA MMM HON CMI
Teleco: T VZ
Consumer goods: MO PM KO PG GIS PEP MKC
Consumer Discretionary: SBUX DIS NKE TGT COST VFC
Tech: MSFT APPL CSCO QCOM
Healthcare : ABBV ABT JNJ CVS
REITs: O VTR
Utilities: D SO
Ian worked for Kerrisdale, a New York activist hedge fund, for three years, before moving to Latin America to pursue entrepreneurial opportunities there. His Ian's Insider Corner service provides live chat, model portfolios, full access and updates to his "IMF" portfolio, along with a weekly newsletter which expands on these topics.
Ian is also an associate analyst for Value Investor's Edge. VIE is a top-ranked deep value research service featuring exclusive work from J Mintzmyer, James Catlin, and Ian Bezek.
Dhierin is a leading contributor covering the aerospace industry on Seeking Alpha. With his Aerospace Engineering background he has a more indepth knowledge about aerospace products, so most of his articles will be about companies in the aerospace industry or airline industry, comparing products and looking at market forecasts providing investors with unique and thorough insights.
Dhierin has accumulated over 4,000,000 views never failing to spark healthy and thoughtful discussions for investors and aerospace professionals.
AeroAnalysis offers wide variety of services, ranging from providing data and cost models to consultancy possibilities. Check out our website for more information.
Steven Bavaria writes about finance, economics and politics, drawing on his fifty years experience in international banking, credit, investment, human resources/training, journalism and public service. Now retired from his "day job" in the finance industry, Bavaria lives mostly off his investments. His focus is largely on income-oriented stocks, bonds and mutual funds, especially closed-end funds, ETFs and other IRA-suitable investments. His book "Too Greedy for Adam Smith: CEO Pay and the Demise of Capitalism" is based on his experiences running human resources at the Bank of Boston, where he first learned about the excesses in the CEO pay arena. The book is available on Amazon and at independent retailers. (Here is the link.)
Bavaria began his career at the Bank of Boston, where he handled international credit workouts that included managing a fleet of ships, chasing a Vatican-owned bank in Switzerland, and leading the turnaround of troubled branches in Australia and Panama, before returning to Boston to run the bank's human resources department.
Later he worked at Standard & Poor's, where he introduced ratings to the leveraged loan market. In between Bank of Boston and S&P he was Assoc. Commissioner of the Massachusetts Dept. of Mental Health, worked briefly for Citibank, and was a reporter for IDD Magazine. He also did a short stint at a smaller rating agency where he had to leave in a hurry after writing an article called "From Banker to Bookmaker" that was deemed a bit too candid in describing the conflicted role of major commercial and investment banks. (Read it here.)
Bavaria graduated from Georgetown University and New England School of Law. He lives in Boca Raton, Florida.
Finding tomorrow's big winners in the lucrative biotech sector, The Biotech Forum focuses on proprietary, breaking research on promising biotech and biopharma stocks with significant potential for outsized alpha. It is the fourth most subscribed to investment service offered through the Marketplace on SeekingAlpha.com. Our service offers a model-20 stock portfolio as well as the most active Live Chat on the Marketplace. This is where scores of seasoned biotech investors trade news and investment ideas back and forth throughout the trading day.
• • •
Specializing in profiling high beta sectors, Bret Jensen founded and also manages The Biotech Forum, The Insiders Forum, and the Busted IPO Forum model portfolios. Finding “gems” in the biotech and small-cap stock sectors, these highly volatile spaces proven hugely successful have empowered Bret Jensen's own investing portfolio.
• • •
Learn more about Bret Jensen's Marketplace Offerings:
The Insiders Forum | The Biotech Forum | Busted IPO Forum
Now retired after forty years in financial services: a) analyzing corporate, bank, and sovereign risk, b) predicting bankruptcies and conducting commercial workouts, restructurings, and dissolutions, c) financing grain, soft commodities, oil, and the precious metal trade internationally, d) overseeing interbank finance and arbitrage, e) modeling and assessing the productivity of financial business units, f) directing aspects of M&A due diligence and post-acquisition integrations, g) serving as CIO of a major full-service broker-dealer, h) consulting including as interim management to global banks, investment advisors, trust companies, and alternative investment / hedge funds, and i) serving as managing general partner of a family farm.
An MBA, educated in economics, who held various securities industry licenses including Series 7, 63, 24, and 14 (all now expired).
A donor and volunteer now focused on: a) public works landscape projects, b) helping motivated, first-in-family, degree and certificate-bound kids achieve their education, and c) developing STEM skills in primary and secondary school students . Formerly, an advisory board member of The Trust for Public Land involved with park and conservation projects including creating a 475-acre wildlife preserve on one of the few metro-area trout streams in the US, and an equally unique produce farm in a distressed inner-city neighborhood. (All my proceeds from writing on Seeking Alpha go to charity.)
Before investing, always do your own due diligence in consultation with a licensed and competent financial/investment advisor(s) who puts your interests ahead of their own; if you don't have one, find one.
Investing for 20 years, emphasizing stock picking for the last ten. Long-only, driven by valuation relative to risk and growth prospects. My contrarian approach works well during periods of volatility, typically trailing market returns during bull runs.
I retired in November 2016 at age 60.
My personal investing goal is to own a portfolio of dividend growth companies such that:
1) The overall portfolio dividend income is sufficient to pay for all of my routine retirement expenses. I do not ever want to be forced to sell something to produce cash, especially when my asset prices are down. [I have no objection to occasionally choosing to sell something to pay for a one-time expense such as a vacation or a gift.]
2) The overall portfolio dividend income rises each year by more than the rate of inflation, so that my purchasing power does not erode over time.
I invest primarily in David Fish's lists of Dividend Champions, Dividend Contenders, and Dividend Challengers. See http://www.dripinvesting.org/tools for those lists.
I do not invest in MLP's or BDC's or CEF's or preferreds.
I maintain a free web site that contains dividend histories for all of David Fish's Dividend Champions, Contenders and Challengers: http://www.tessellation.com/dividends
I am an individual investor and focus on investing in dividend-paying and dividend-growing stocks with a long-term horizon. In addition to a DGI portfolio, I manage and invest in a couple of high-income portfolios as well as some Risk-adjusted Rotation Strategies. I believe "Passive Income" is what makes you 'Financially Free'. My personal goal is to generate at least 50% of my retirement income from dividends and rest from other investments like real-estate (rental) etc. I have been investing for the last 25 years and consider myself an experienced investor. I plan to share my experiences by way of writing two or three articles a month and also share my portfolio strategy.
I am currently long on ABT, ABBV, JNJ, PFE, NVS, NVO, CL, CLX, GIS, UL, NSRGY, PG, MON, ADM, MO, PM, KO, DEO, MCD, WMT, WBA, CVS, LOW, CSCO, MSFT, INTC, T, VZ, VTR, CVX, XOM, VLO, HCP, O, OHI, NNN, STAG, WPC, MAIN, NLY, ARCC, PCI, PDI, PFF, RFI, RNP, UTF, EVT, FFC, HQH, KYN, NMZ, NBB, JPS, JRI, TLT.
Uncovering select special situation stocks.
California Real Estate Broker
CEO and President of Gibralter Financial and Real Estate Services from 2001 to 2008.
CEO of All Valley Mortgage 1993-1995
Private investor, Author and trader from 1999 to present.
Seeking Alpha's product team is responsible for the development of all of our product-related projects from start to finish. These projects include the Seeking Alpha Portfolio apps on the App Store and Google Play, our Real Time email alert product, and optimization across the Seeking Alpha website.
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Wall Street Breakfast, Seeking Alpha's flagship daily business news summary, is a one-page summary that gives you a rapid overview of the day's key financial news. It's designed for easy readability on the site or by email (including on mobile devices), and is published before 7:00 AM ET every market day.
Wall Street Breakfast readership of over 900,000 includes many from the investment-banking and fund-management industries.
Sign up here to receive the Wall Street Breakfast in your inbox every business day: http://seekingalpha.com/account/email_preferences
Aside from free articles available to the general public, additional early-access, value-added ideas and deep-dive articles are offered to paid subscribers on my premium SA platform, "Retirement: One Dividend At A Time" . This exclusive RODAT Portfolio has performed even better than my popular FTG Portfolio, with higher dividend income growth and greater capital appreciation.
If you are interested in any of my digital utility solutions to add to your investing tool box to improve your investment outcomes, please visit my site
You'll find elegant applications that make it simple for you to track your portfolio in real time, make a watch list to follow in real time, track your dividend income and growth, and other applications. These applications will allow you to set alerts at prices you choose in order to obtain the yield and income that you want. They function as real time trade assistants and will improve your investment performance. You can even mirror the successful FTG Portfolio with "My FTG Mirror Calculator", and subscribers can mirror the premium subscriber portfolio with "MY RODAT Mirror Calculator" if they wish to emulate the out performance we've achieved in capital and income growth.
I am a retired clinical psychologist, and administrator and owner of a rehabilitation clinic we founded 40 years ago. For over 55 years I have managed several portfolios composed of investments accumulated over our professional careers. Since the financial crisis of 2008, I have employed specialized, customized dividend growth strategies aimed at enhancing and growing a dividend income stream.
Since December 24, 2014, I have demonstrated on Seeking Alpha the ongoing construction and portfolio management of the Fill-The-Gap Portfolio aimed at highlighting strategies investors may utilize to close the gap between an average Social Security benefit and the much greater costs faced in retirement.
This portfolio has outperformed all of the broad market indexes by a very wide margin, growing dividend income and total portfolio value consistently while the broader indexes struggle in negative territory all year.
Let me show you how to build and grow your portfolio and dividend income, step by step, towards a comfortable and secure retirement.
As long as I can remember I have been very passionate about financial success. I have read many books and dedicated countless hours to research. Sowing Prosperity is my outlet to help others. Through my experiences of making money in the stock market, buying investment properties, being 10x my annual income in debt, becoming debt free, losing my life savings in the stock market and starting over, I can help guide and steer clear of major pitfalls. It's not nearly as hard as it seems.
The mission of Sowing Prosperity is to understand and utilize principles and actions for a life of financial freedom. We learn by breaking down the principle of Sowing, Cultivating and Reaping (Harvesting). Principles are timeless laws that govern life. Therefore we will start with the greatest book ever written, the Bible, and build a toolbox for achieving prosperity in life.
Jonathan Moreland is the founder and Director of Research at InsiderInsights.com, which produces a Daily Ratings Report, Weekly Newsletter, and offers real-time insider data and analytics via its institutional strength Data Module and APIs. InsiderInsights' research and data are further available on Bloomberg terminals at ININ and APPS ININ .
Mr. Moreland is also principal of Insider Asset Management llc, a registered investment adviser in New York State, and a past contributor to TheStreet.com, Minyanville, and other financial outlets.
A fundamental analyst with an MBA in finance, Mr. Moreland identified insider data over 25 years ago as an excellent first screen to determine where to focus his research efforts. He is quoted frequently in the media for his insider analysis, and stock recommendations stemming from it. He is also author of "Profit From Legal Insider Trading" (Dearborn 2001).
Mr. Moreland is currently on a mission to get investors to expect more from insider data than the commodity feeds they rely on from their Bloomberg terminals, Yahoo!Finance, and other financial websites.
I'm a retired individual investor. I retired at the end of 2013 after a 35 year career as a professor and research scientist at a major research university. So -- a career as a researcher and an educator, which is what I'd like to do here. Virtually every good teacher I've ever known says some version of "I learn more from teaching than my students do." There's a lot of truth in that, enough that there's an underlying selfish motivation for my writing here as I continue to learn about investing.
My professional life involved multiple international projects and collaborations, so I traveled extensively over those 35 years. I still will be doing so in my retirement. One consequence is that I'm liable to disappear from the site for extended periods. How can you miss me if I don't go away?
My investing priorities are building and refining portfolios designed to provide income and capital growth: Income for my retirement needs, and capital growth for my estate. My investing interests are tax-advantaged income from a range of sources, portfolio strategies, information- and bio-technology, and strategic allocation.
Why I Write for Seeking Alpha: I learned long ago that "writing is nature's way of letting you know how sloppy your thinking is." The line comes from a Guindon comic strip of many years ago. As an academic scientist I routinely published my research results. It's how I spent my working career, so it comes more or less naturally to me. It forces me to think about details I might otherwise overlook.Like all academics, I consider it an essential part of doing research. So, the writing I do here is as much for myself as for the reader. It also opens me to feedback from others who may draw quite different conclusions.
As a research scientist I spent a career spanning four decades devoted to free exchange of information vetted by rigorous peer review. It's a concept I firmly believe in. So, I encourage and appreciate thoughtful comments, especially from those who disagree with me (although I will ignore obvious trolls and encourage others to do so as well).
My Investment Philosophies and Strategies: I maintain two portfolios: one for income and one for growth. As I have reached the age where I have to take mandatory withdrawals from my IRAs,I have transitioned my taxable brokerage account to a nearly pure growth focus along with a large holding in tax-free municipal-bond CEFs. My goal for the IRA is to generate income to meet MRD levels. The remainder is held in a fairly defensive growth portfolio. I've reached a point where I'm more concerned about drawdowns than I am about beating the market.
Who Is Left Banker? Ah yes, the name. When I first joined Seeking Alpha I had no intention of being anything but an occasional reader. I saw it as another research site. So, I just ported a name I've used on other sites. I spent some of the best times of my life living on the left bank of the Seine and am always thrilled to be back in La Belle Paris. Add that I also like it because I find several word plays there; I'll leave it to you to decipher that comment.
Finally, I've chosen to remain anonymous, which I feel obligated to address. First, I have no professional role in finance and nothing to sell, so there is no advantage to be gained by "making a name for myself' here. Second, I value my privacy and have kept my internet presence as low-key as my professional life allowed. But I do have a professional on-line presence which I'd prefer not to mix with my Seeking Alpha persona. I certainly want to avoid any possibility of some internet connection trying to track me down. Odds against that happening are, of course, outrageously long, but why take them on at all?
Disclosures: I have no ties to the financial or security industries in any form. My interests are strictly personal. The banker part of the nym has absolutely no relationship to the profession of the same name. Readers should be aware that I am an investing novice, some might say dilettante, but when I write about something here, it's something that I have a personal financial stake in (perhaps a negative stake in that I'll tell you why I rejected it). I do not give advice; what I publish is much more in line with my research notebook. Anyone who finds anything of interest will necessarily want to do his or her complete research and due diligence. It would be foolish to rely on my conclusions without having done so.
I work in Banking and have a passion for financial markets. My primary focus is on income producing dividend and bond funds and I specialize in covering macro-economic trends and their impact on the major indices. I hold an undergraduate degree in Finance and an MBA, which includes a semester studying in the UK. As a former NCAA DI tennis player, my goal is to achieve financial independence so I can spend my days on the courts while my investments work for me.
Tom Vaughan was 12-years old when his math teacher gave each student $3,000 of Monopoly money to buy and sell stocks. He was told that, at the end of three months, the students with the top returns would be given a special field trip.
Growing up in Silicon Valley and watching the tremendous wealth created by the stocks of some of the world’s greatest companies, inspired him to learn about investing in the stock market. He went home and told his parents about this contest, and they took him to see his grandfather, who was an avid stock market investor. He sat Tom down with the stock listing from the local paper, showing him what he looks for in a good stock. Together they picked three stocks to buy and then they would meet every week to track the progress. This was the genesis of Tom’s life-long interest in investing.
At the end of the contest, they lined the students up on the playground by rate of return. Tom was at the front of the line. He had won the contest. Interestingly enough, the special field trip that he qualified for was a trip to Alcatraz. This is an interesting place to take a budding financial professional. Perhaps, more of our country’s financial professionals should have started this way.
His grandfather was so excited by his interest in investing that they continued to work together on Tom’s investing education. Unfortunately, only two years after helping Tom win the investing contest, his grandfather passed away. He had lost his investing mentor.
Tom then saw what happened to his grandmother. His grandparents had a traditional relationship. Tom’s grandfather handled all of the money and his grandmother was given an allowance to handle the household needs. Although Tom’s grandfather was one of the best investors he have ever met, his grandmother did not have any idea what was in her portfolio and when his grandfather passed, away chaos ensued. He was determined at a young age to help people with investing advice. His advice and outlook has always reflected having his grandmother as his first client.
In 1987, he went to work for a Wall St. investment firm called First Investors. Anyone with a conscience will only last a few years at a firm like this. For example, the firm had its own mutual funds. Everyone worked on a straight commission and the firm would pay twice as much commission if you sold one of its funds versus another company’s funds. The pressure from management to sell these funds regardless of how they performed was intense. This was not a place for his grandmother’s portfolio.
He left and started his own firm, Retirement Capital Strategies (RCS). He selected LPL Financial to clear his business because they did not have any of their own investments, thus reducing the conflict of interest. As his own boss, he did not have to worry about pressure from management to put the wrong things in his clients’ portfolios.
This concept of independent, no conflict of interest, client-first financial advice was wildly successful. RCS was one on the fastest growing Financial Planning and Money Management firms in the country. RCS eventually ended up with three offices in San Jose, Danville and Napa. Over a 26-year period, Tom personally performed over 6,000 financial plans and managed hundreds of millions in assets for over 700 clients. His advice on this website is based on the extensive experience of working with these real life clients.
Over time, he was still dissatisfied with the massive conflicts of interest that exist in the financial advice industry as it stands today.
He saw an opportunity to create a completely new conflict-free, low-cost advice model. He decided to risk everything, cash out of his Financial Planning practice, and show people how to become self-sufficient investors.
By closely watching the investment advisory business, he saw an opportunity to help self-sufficient investors by creating a conflict free, no market-timing set of investment newsletters that contain portfolios of the lowest cost ETFs for the self-sufficient investor to replicate. He also gives ongoing advice on when to replace a portion of the portfolio with a better alternative, when to perform a rebalancing, and educational information on the Remonsy Retirement Income Builder program. All of this advice is designed to help you improve your retirement and help you become a more self-sufficient investor.
The same advice that he charged his clients an average of $4,000 per year is now available in his newsletters.
Owned three distinctly different businesses over my 40 year professional life. Recently sold my business and retired. Now, a Private Investor who has been in the stock market for approx. 50 years since I was 13 or so. Main focus now that I am retired is dividend paying equities which include CEF's, REIT's, BDC's and MLP's. Goal is to live on the income w/o touching (and hopefully growing) the principal.
I am an early career scientific researcher who has taken a strong interest in investing. While I invest primarily to achieve my personal financial goals, I find that doing so gives me another outlet beyond science where critical and logical thinking yield significant rewards.
On Seeking Alpha's Marketplace, I offer a premium service called the Cambridge Income Laboratory focusing mostly on research and analysis of exchange-traded funds (ETFs) and closed-end funds (CEFs). Currently, we are the top-ranked service for ETFs, and also rank 2nd for CEFs and arbitrage.
The Cambridge Income Laboratory boasts a community of over a hundred serious income investors dedicated on sharing ETF and CEF ideas and strategies. Check us out to see why one subscriber calls us a "one-stop shop for CEF research.”
Within the academic field, I have a career total of over 100 publications, 3300 total citations and an h-index of 34 (metrics from Google Scholar).
@DavidAltonClark - Top Financial Expert per http://Tipranks.com
In addition to investing in and writing about stocks for the better part of the past decade, I'm currently a licensed Texas REALTOR® with 20 years in the business. I was formerly a FINRA registered securities representative in the oil and gas industry, worked in the banking industry, and as an auditor and consultant for a major accounting firm. I received my Bachelor's degree in Accounting (With Honors) from the University of Texas - San Antonio.
I've managed my portfolio for the past 25 years, including successfully navigating the 2000 and 2008 bubbles, so I understand the full cycle the market can take. My professional background has provided me with an intimate knowledge of corporate financial statements and how the companies actually made money.
I have been ranked #1 out of over 8500 financial bloggers and professional analysts tracked by TipRanks for a majority of the past three years. I am currently the most highly followed Financial Expert on TipRanks with over 6,300 followers. I have consistently been correct 75% of the time with my picks returning approximately 27.3% on an annual basis since 2011. I was thrilled to be featured in an article in BARRON'S for my stock picking performance in 2016.
Click this Globe and Mail and Barron's link for articles regarding my performance and background.
2nd Market Capital Advisory specializes in the analysis and trading of real estate securities. Through a selective process and consideration of market dynamics, we aim to construct portfolios for rising streams of dividend income and capital appreciation.I am an investment adviser representative of 2nd Market Capital Advisory Corporation.