Hello there, I live in beautiful British Columbia! As an outdoor enthusiast raised by an uncle and a father who were avid BC outdoors people, BC is a perfect home for myself. My uncle a geologist travelled around the province for his work, and sometimes took an excited me with him, to go on adventures! He had a great regard for geology, investing, sustainable resource development, was involved in the development and success of several British Columbia mining projects and he loved and admired BC wildlife! A percentage of his capital gains he donated to wildlife rehabilitation centres throughout BC, a tradition I continue. He had a marvellous collection of wildlife photos, including photos of very shy/elusive, gorgeous animals such as the lynx. Today I continue his tradition of donating some of my investment proceeds, for wildlife conservation/rehab ie. injured animals or for instance orphaned bear cubs from sports hunting, which is primarily hunting animals for fun (it is illegal in several nations i.e. Kenya, Botswana, Costa Rica...) not sustenance. In my spare time I actively research companies seeking value added opportunities in well managed companies with growing EPS, whose management is shareholder friendly, ie. dividends but also invests in innovation and R&D for future growth. I also consider sustainability practices such as in house recycling and other responsible/progressive practices. I studied economics and environmental science at Simon Fraser Univ. and have worked in venture capital lending for new technology start-ups in BC. Due to a personal commitment to ongoing learning I often upgrade my work skills, take more courses ect... and personal development workshops. I like to inspire others to do the same. I like researching and the due diligence process of selecting stocks to trade/invest in however I do have a very focused outlook on long-term profitability and dividend growth. I hold or have held shares in Apple, Hains, Micron, Lennar, Delta Airways, Wells Fargo, Whole Foods and many others. Financial health is important but so is physical/emotional health to overall wellness, so please all remember to exercise regularly it is fun, eat healthy, and drink lots of water. When you are healthier your cognition improves, ie. exercise increases blood and oxygen flow to the brain key for clear thinking. The key is research, facts and learning from other people such as other traders and investors on Seeking Alpha. All the best! Erica Denison
I retired from elementary school teaching in May, 2011. Today I'm an avid low desert gardener, researching varieties of peaches, plums, pears, apples and tomatoes that can survive and produce fruit in Arizona's 105˚+ summer heat. Now I'm researching dividend growth investing to find ways that invested savings can yield dividends the way orchards and gardens yield fruit. The real question is whether a beginner can successfully select stocks with dividends that can survive the ups and downs of today's economy. To find out, I rolled my tiny 403(b) over into an IRA and bought my first shares of MCD in May 2012.
July, 2013: I've sold most of the mutual funds in my IRA and invested the proceeds into dividend paying stocks: AAPL, INTC, MCD, PAYX, ABT, JNJ, AEP, PEG, CAT, COP, PG, GIS, KO, O, AFL, NSRGY, ABBV, and KRFT. The one year total return is a tad above 6%, the dividend yield is about 3.3%, and the portfolio's Beta is 0.7
In the garden, I'm trying to grow three varieties of blackberries, two papaya seedlings, a pummelo seedling, tromboncino squash, and miniature butternut squash vines.
As a vegan, I do not want to be a partial owner of companies related to animal cruelty, human cruelty, or cruelty to our planet. Even more rewarding is when my money can help wonderful companies bring positive impact to society.
I started as a trader in 2008, then slowly evolved into a value investor and now into a vegan investor. Loss money as a trader, and made it all back as a value investor and then more. My style of investing is mostly a reflection of Warren Buffett and Charlie Munger's teachings. I learned the secret to success is life-long reading about successful people.
I am usually an intermediate-term swing trader with a particular interest in financial and technology stocks. I monitor the fundamental financial position, performance, and trends to determine if there is a possible trade. I follow the seasonality and annual cyclical performance of companies, as applicable, for position set-ups. I also utilize technical analysis with my own proprietary signals I developed for intermediate and long term trends.
I have analyzed and traded stocks for many years and noticed long ago I did better if I followed my ideas and ignored the chatter and buzz. Someone will always have a reason to buy, sell, or hold a stock, no matter what the circumstances. Their motives may not be in your best interests. Patience and detachment are critical so as to not force a trade. Don't go to the trade, the trade will come to you, if you are diligent. It doesn't bother me to pass on a trade. Let it go - greed, fear, ego, and beliefs will distort your perception.
Therefore, the less noise the better for me. Accordingly, while I analyze and review macroeconomic data and the specifics of company financial statements, I ignore business media histrionics and hype. Media first and foremost is selling advertising and need to compel you to read or watch. I don't watch TV and especially don't watch business channels. I do read some business media, but mostly ignore their company coverage. The quarterly earnings reports and deciphering any other corporate press releases tell the tale.
I have 40+ years experience in banking, insurance, economics, finance, investments, and public accounting, including both sole owner and a partner of financial institution auditing firms, financial institution auditor, vice-president of operations of a property & casualty insurance company, vice-president of finance of a life insurance company, public accounting audit manager, and public accounting SEC quality control manager.
Michael William Sunner, Ph.D.
SUNNER & ASSOCIATES
Michael William Sunner was a senior manager at Treasury for over 23 years and was responsible for overall compliance with Treasury’s auction program and risk management activities. Previously he was responsible for Treasury’s financing operations, which includes auctions and buybacks of Treasury marketable debt securities and operational oversight of the Federal Reserve’s “Fedwire Securities Service,” which issues, holds, maintains, transfers, and redeems Treasury marketable debt securities (i.e., the National Book-Entry System).
He helped lead the Treasury-Federal Reserve Project Team that implemented Treasury’s Automated Auction Processing System (TAAPS) in 1993, and was the key person responsible for the codification of Treasury’s auction rules in that same year. He was project manager for Treasury’s Inflation-Indexed Securities, which were implemented in 1997, and he also was responsible for developing and implementing Treasury’s buy-back program and its comprehensive auction compliance program. He was the lead in the redesign and engineering of Treasury’s auction processes in order to implement a 2-minute auction, and has had management responsibility for Treasury’s systems development and design teams for over 15 years. These project groups developed, enabled, and deployed two separate versions of TAAPSLink (TL v1 and TL v2). The version TL v2, provided Primary Dealers access over a Virtual Private Network using frame relay, which supports a web-based browser bidding system and was used exclusively by Primary Dealers to submit bids for Treasury’s marketable debt auctions. This basic infrastructure is still used today with the current TAAPS, which was deployed after 5 years of design and development work on April 7, 2008.
He led Treasury’s 2004 Auction Enhancement Project which involved changing Treasury’s pricing convention to 6-decimals in all auction automated systems, providing for negative yield bidding for TIPS, zero-filling rates/yields for all bids submitted with less than 3 decimals, and providing the news services with additional auction statistics electronically using XML technology. The project also implemented raising the noncompetitive bid and award limits for Treasury bills to $5 million.
Michael has worked in various federal, state, and local government programs for over 30 years. He joined the Treasury in 1988, and he holds a Master's and Ph.D. in Political Science with specialties in Public Administration, Constitutional, International, and Public law. His doctoral dissertation topic was on Newsmen’s Privilege, and First Amendment rights. He has published several articles on debt collection and Treasury debt financing (1985-1995), and co-authored an article (1999) explaining the fungibility of Treasury interest payments for inflation-indexed securities (TIPS). In May 2004, he published an article on “Continuous Improvement in Treasury’s Debt Management Program.” His most recent publication was released in October 2007 in the Journal of Securities Compliance, Volume 1, Number 1, “U.S. Treasury Auction Compliance: How Dealer Visits are Conducted, What is Discussed and Treasury Expectations for Auction Participation.” He is currently working on a publication that takes the reader from the 1990’s Salomon debacle to present day Treasury auctions. Publication date is expected to be in March 2011.
Over his years of service, he advised staff on improving Treasury’s automated auction systems especially with respect to managing operational risk, security, and regulatory compliance. As part of furtherance of a global risk management strategy, he established an additional Treasury auction contingency site in 2003, which is now fully operational. Dr. Sunner worked closely with the primary dealer community to ensure that auctions and settlement of Treasury securities would continue in the event of a major disaster event. Toward that end, he developed a Strategic Plan for Business Continuity, agreed to by the United States Treasury, the Federal Reserve Bank of New York, and 18 Primary Dealers. He was a regular speaker at industry conferences sponsored by SIFMA and the Global Investment Operations group. He also participated regularly on SIFMA’s Operations Committee. Dr. Sunner’s new book, Borrowing Through the U.S. Treasury’s “Fast Money Tree,” The Need to Balance Austerity and Growth in the 21st Century is available through Amazon and Borders.