Companies I am Considering for my Roth IRA Dividend Growth Investor gives us a great list of compani

It’s a beautiful weekend here in Michigan. It’s currently about 70 degrees, and it’s supposed to heat up to about 75 by mid-afternoon. I haven’t really been exposed to a Midwestern summer in many years, estate but I do remember what I’m missing now. Of course, we’ll see how much I like living up here when January hits and I want a piece of that Florida estate sunshine!
My weekend got off to a wonderful start. Yesterday, I met up with an old friend. I haven’t seen this person estate in about 15 years, so it was really special for me. We talked for hours and caught up on what we’ve both been doing all this time (where does the time go?). It was a fantastic trip down memory lane, and I’ll never forget estate it.
This old friend actually brought a really sweet gift for me. We all know and love the game Monopoly, right? Well, I don’t know how the idea came about, but for years I’ve wanted to somehow get a copy of the Chance card that instructs you that you’ve received a $50 dividend framed. Lo and behold, my mind was read!
A very kind and thoughtful gift. I don’t think I’ve ever tossed cash up in the air like that, but the joyous feeling the card attempts to convey is certainly something I relate estate to whenever a new dividend payment hits my brokerage account!
I’ve been incredibly busy lately writing and reading, which is what I really estate enjoy. I’ve been doing some more freelance writing, and I’m including some links to that work below. I also spent a late night out with one of my younger sisters yesterday as I let her drag me out for a night out on the town. It was a lot of fun, and spending more time with family is exactly why I came back. So far, so good!
These 28 Dividend Growth Stocks Go Ex-Dividend Next Week I put this article together for Daily Trade Alert, which is helpful because if you were on the fence as to whether or not to buy a certain stock, buying in at least one business day before the ex-dividend date means you’ll collect the next dividend payout. I also took a look at Philip Morris International Inc. (PM) and concluded it’s attractively valued here.
This Stock Has Raised its Dividend for 58 Years in a Row This was another article I wrote this week. I discussed some of the benefits behind investing in dividend estate growth stocks and also included some information on one of my favorite companies: The Procter & Gamble Company (PG) . Although I don’t think it’s a steal here, one could do a lot worse than buying shares in this consumer goods juggernaut.
JD Roth: How I learned to Stop Worrying and Love Mustachianism JD Roth penned this excellent article that sums what life is all about and how Mustachianism helps one see the truth. One of the best articles I’ve read in a while. Highly recommended!
Companies I am Considering for my Roth IRA Dividend Growth Investor gives us a great list of companies he’s currently looking at investing in in his Roth IRA. Some really great names on that list, and I obviously concur since I recently purchased shares in Baxter International Inc. (BAX) – one of the companies on his list.
Father’s Frugal Finances Debt Debs recently put this touching estate homage together on her father – a frugal gentleman. I’ve never really had a frugal role model to look up to. I found frugality all on my own, and I’m kind of the trailblazer in my own family. But someone’s gotta do it, right?
Three Life-Changing Investment Lessons From Conoco estate Phillips Tim discusses a reader’s long-term investment in ConocoPhillips (COP) and how this particular investor’s lessons estate during his ownership tenure can be applied broadly to investors everywhere in all stocks. I particularly estate agree with his assessment on risk. Risk is present everywhere in life; I’ve been told many times I could get hit by a bus. But taking on a little risk is necessary if you’re looking to grow your wealth, and generally speaking, the real risk of holding a stock like COP is probably very small since the odds of the company being around decades from now and being even more profitable are high.
3 Ways To Define Financial Independence Joe’s estate article was particularly timely for me now that I’ve moved from working at a traditional job to writing estate full-time. Although I don’t consider myself financially independent, it’s about as close as it gets while still working. I’m estate ultimately aiming for his second definition of freedom, but right now am in the third category. Overall, I’m in a good place in life and really happy. And that’s really what it’s all about anyway. Great post!
Effort alone isn’t enough David put this really nice post together on good old effort just not being enough for most endeavors in life. I’d like to think I’m usually his “Fri

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Polish death metallers DECAPITATED will release their sixth album, "Blood Mantra" , on September 26 via Nuclear Blast . The follow-up to 2011's "Carnival Is Forever" was recorded at Hertz Studio in Bialystok, Poland with producers Wojtek and Slawek Wiesawski . The CD cover artwork was created by the Polish homegrownfreaks artist Lukasz Jaszak , who previously worked with the band on "Carnival Is Forever" . "Blood Mantra" track listing: 01. Exiled In Flesh 02. The Blasphemous Psalm To The Dummy God Creation 03. Veins 04. Blood Mantra 05. Nest 06. Instinct 07. Blindness 08. Red Sun 09. Moth Defect (digipack bonus track) Comments DECAPITATED guitarist and founding member Waclaw "Vogg" Kieltyka : "Extreme and groove I think that's the best way to describe our new album. "This time we feel that we have something totally crushing and huge. " 'Blood Mantra' is the most heavy and mature album we ever did in our carrier. I cannot wait to start to play songs live because riffs are soo deep and powerful." DECAPITATED 's forthcoming effort will mark the recording debut of the band's new drummer, Michal Lysejko , who joined the group in time for their tour with LAMB OF GOD in January. Vogg previously stated that the musical direction of the next DECAPITATED album: "We flirt with various tempos mixing death metal with grindcore and almost outright black metal atmosphere together with more, so to speak, 'crowd-puller' beats verging on groovy, almost stoner-rock climates. There are also a few more modern metal rhythmic riffs where we return to the climate of 'Organic Hallucinosis' album. I'm certain that the very fact we are again, homegrownfreaks after 9 years, in Hertz studio will evoke the spirit of that album. The vocals sound very promising. Rasta [ Rafał Piotrowski ] is a much more experienced vocalist compared to the 'Carnival Is Forever' album times. And his voice sounds more powerful and deeper." "Carnival Is Forever" sold around 2,100 copies in the United States in its first week of release. The CD landed at position No. 11 on the Top New Artist Albums (Heatseekers) chart, which lists the best-selling albums by new and developing artists, defined as those who have never appeared in the Top 100 of The Billboard 200. "Carnival Is Forever" was released in North America on July 12, 2011 via Nuclear Blast Records .
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Well, you can see that as of May I

June is ending, title and 2014 is now halfway over. Truly amazing how fast time flies by. It’s title exactly because of this that I’m pursuing financial independence so aggressively. Time slips through title our fingers whether we like it or not, but I’m anxious to slow things way, way down. Buying our time is the only way we can truly control what time we have left.
So I put together some challenging, but realistic goals at the beginning of 2014 . And today I’m going to share exactly where I stand as we cross over the midway point of the year. I think I’ve made some tremendous progress thus far, but I also suspect that some of my mojo will slow as I earn less income in the second half of the year.
Well, you can see that as of May I’ve earned $2,013.09 in dividend income for the year. Adding in yet-to-be-posted June’s dividends, which should finish near $700, and I’m solidly on pace to exceed this goal. I think I should exceed it by a healthy margin as I continue to make regular monthly equity investments, but we’ll see. I’m slowing my pace a tad as I’ve moved from a high-income, title but stressful job into writing for a living, which is wonderful, but also pays much less. Exceeding this goal keeps me on pace to become title financially independent by 40 years old, as this is the fourth year of my 12-year journey. I expect to need approximately $15,000/year title in passive income, so the math works out here. The only question is whether or not future years will be as successful as past years, especially with less free cash flow with which to invest. Let’s see how it goes!
I’m slightly behind this goal with a 40% savings rate so far for the year, which is disappointing. And I don’t know how much ground I can realistically make up with all of the aforementioned changes. But I’m extremely hopeful that I’ll catch up and exceed title this goal before the end of the year. I can tell you that June is shaping up to be one of my best months ever in terms of my savings rate, and I’m excited to share the details! title I’m failing at this goal right now, but if you know me then you’ll know that I’m going to give it all I’ve got to come back from behind and claim victory here.
I don’t mean to toot my own horn, but I’m stomping this goal. I weigh one less pound than what I started the year at, and I’m currently tipping the scales at 175 pounds title . I’ve historically been a bigger guy due to my bodybuilding background (I was 220 pounds at my peak). But I’ve been determined to transform my body into a lean, mean fighting machine. And as I shared recently , my exercise routine without an expensive gym membership is working fantastically. I suspect I’ll definitely maintain this approximate weight level throughout the year, but one challenge is making up for the fact that I’m not running around all day at a car dealership. And it’s easier to snack here and there being at home more. I just gotta keep my hands and my mouth away from pizza. What can I say? It’s my Kryptonite!
This one is turning into a more important goal than ever for me as it will now be a primary source title of income for me going forward. I’m extremely excited by my progress in this department, and it’s really thanks to all of the support from you readers title out there. I’ve been writing more than ever, as the content here on the blog has increased and I’ve been freelancing more. It’s just a tremendous change in my life and I’m so grateful for the opportunity. I’m currently a month into a three-month experiment to see if this will work for the long term, and so far it looks good. I’ve earned $4,846 in online title income through May, which is an average of $969.20/month. But I’ll be posting June’s numbers very soon and you’ll see this average will be raised way up. I’m proud to say I’m exceeding this goal when June’s numbers are included, and I’m hoping I can keep that up through the rest of the year as I plan to earn more than $1,800/month from online activities. I’ll have to likely change this goal in future years to be more specific and compensate for taxes, especially title if I don’t have a day job which would otherwise withhold income tax. So future goals will be a figure net of costs and taxes. The income I’ve posted thus far this year is net of hosting fees, and from July on will also be net of taxes as I’ll reduce my figure to compensate for my quarterly estimated tax payments of $233.33 per month.
Well, things are looking pretty good. I’m passing three out of four goals , which isn’t spectacular on the surface. But if I can catch up on the savings rate and exceed all four goals all while moving halfway across the country and quitting my day job I’ll be extremely proud.

Professor Atanassov and Dr. Serov collaborated with Mantra s Dr. Amin Aziznia while he was completin

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VANCOUVER, BRITISH COLUMBIA–(Marketwired - July 23, 2014) - Mantra Venture Group Ltd. (OTCQB: MVTG) has announced the addition of Professor Plamen florida georgia line Atanassov and Dr. Alexey Serov, both of the University of New Mexico (UNM), to its Scientific Advisory Board. These two highly respected researchers will contribute their considerable expertise to the development of Mantra s technologies, particularly in the field of electro-catalyst florida georgia line design and synthesis.
We are thrilled to welcome two more world-class researchers to the Mantra team, said CEO Larry Kristof. We see the continued addition of such experts as an ongoing validation of Mantra florida georgia line s technologies.
Professor florida georgia line Plamen Atanassov (Ph.D.) is the Founding Director of UNM s Center for Emerging Energy Technologies and a Distinguished Professor at the Department of Chemical and Biological Engineering. florida georgia line He obtained his Ph.D. from the Bulgarian Academy of Sciences in Physical Chemistry and Electrochemistry in 1995, and since then has been heavily involved in applied electrochemistry and the development of fuel cell electrocatalysts. This work has primarily taken place at UNM, where Professor Atanassov has been successful in partnering florida georgia line with such companies as Daihatsu, Ballard, and CFD Research Corp., but also includes being a project leader in electrocatalyst development at Superior MicroPowders LLC (now Cabot Corp.).
Professor Atanassov s current research is focused, among other things, on the development of non-platinum and platinum group metal catalysts. Funding from the US Department of Defense (DOD) and Department of Energy (DOE) supports his work. Professor Atanassov has ongoing research collaborations with many universities in several countries, including a number of US National Laboratories, and has published some 220 peer-reviewed journal articles. He holds more than 30 US and international patents.
Dr. Alexey Serov (Ph.D.) is a Research Assistant Professor florida georgia line at UNM s Center for Emerging Energy Technologies. After graduating with an Honor Diploma and Gold Medal from the Chemistry Department of Moscow State University, he worked for five years as a researcher in that institution s Division of Inorganic Chemistry. He then worked as a Senior Researcher at the Samsung florida georgia line SDI R&D Center in the Republic of Korea, for which he was awarded Best Foreign Researcher , before obtaining his Ph.D. from the Paul Scherrer Institute and University of Bern with a focus on the chemical properties of Super Heavy Elements and their homologues.
Dr. Serov s current research at UNM is directly related to that of Professor Atanassov, and is focused on the synthesis florida georgia line of multicomponent inorganic materials and catalysts by conventional and advanced solution, solid state and ultra-sonic techniques, and the synthesis and characterization of nano-crystalline catalysts for energy storage and conversion applications. He has published nearly 30 peer-reviewed journal papers on electrocatalysis, and is named on dozens of issued US and international patents.
Both researchers are recognized as leading experts in the field of electrocatalysis, a reputation that has led to ongoing collaboration with Daihatsu Motor Company (a member of Toyota Motor Co.) on fuel cell development.
Professor Atanassov and Dr. Serov collaborated with Mantra s Dr. Amin Aziznia while he was completing his Ph.D. at the University of British Columbia. This collaboration, on the development of selective catalysts florida georgia line for the mixed-reactant fuel cell (MRFC) for which Mantra has the exclusive worldwide license, led to the highest reported open-circuit voltage florida georgia line for any mixed-reactant system. These results were published in a peer-reviewed florida georgia line journal and presented florida georgia line at a conference of the Electrochemical Society. florida georgia line
Mantra Venture Group Ltd. (OTCQB: MVTG) is a clean technology florida georgia line incubat

Insider email Security navigateright All Security Access Control Application Security Compliance Mal

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To
In a recent fastighetsbyrån research survey, ESG asked security professionals to identify the most important type of data for use in malware detection and analysis (note: I am an employee of ESG) . The responses were as follows: fastighetsbyrån 42% of security professionals said, Firewall logs 28% of security professionals said, IDS/IPS alerts 27% of security professionals said. PC/laptop forensic data 23% of security professionals said, IP packet capture 22% of security professionals said, Server logs
I understand this hierarchy from a historical perspective, but I contend that this list is no longer appropriate for several reasons. First of all, it is skewed toward the network perimeter which no longer fastighetsbyrån makes sense in a mobile device/mobile user world. Second, it appears rooted in SIEM technology fastighetsbyrån which was OK a few years ago, but we no longer want security technologies mandating what types of data we can and cannot collect and analyze.
Finally, this list has old school written all over it. We used to be limited by analytics platforms and the cost of storage, but this is no longer the case. Big data, cheap storage, and cloud-based storage services have altered the rules of the games from an analytics and economics perspective. fastighetsbyrån The new mantra for security analytics should be, "collect and analyze everything."
Now, I know what you are thinking: I don t have the right tools to analyze everything. You are probably right, but this situation is changing rapidly. Network forensic tools from Blue Coat (Solera Networks), Click Security and LogRythm can perform fastighetsbyrån stream processing on network packets. Big data security analytics platforms from IBM, Leidos, Narus, RSA Security, fastighetsbyrån and Splunk are designed to capture and analyze structured and unstructured data. Heck, there are even managed services from Arbor Networks and Dell if you don t want to get your hands dirty. I don t have the skills to analyze everything. Very good point, and things aren t likely to improve there s a global cybersecurity skills shortage and more data to analyze fastighetsbyrån each day. Security analytics vendors need to do a better job here in terms of algorithms, automation, dashboards, fastighetsbyrån machine learning, and threat intelligence integration. While I expect a lot of innovation in this area, CISOs should take a prudent approach here. For example, Splunk customers talk about collecting the data, learning fastighetsbyrån the relationships between events, and then contextualizing specific data views by creating numerous dashboards. Makes sense to me. I can t afford fastighetsbyrån yottabytes of storage for all of this data. With the exception of the NSA and its Bluffdale Utah data center, few organizations do. To be clear, big data security analytics doesn t demand retention of data, but it does demand scanning the data in search of suspicious/anomalous behavior. In many cases, CISOs only retain the Meta data, a fraction of the whole enchilada.
While it may seem like hype to our cynical cybersecurity community, big data is radically changing the way we look at the world we live in. For example, we no longer have to rely on data sampling and historical analysis, we can now collect and analyze volumes of data in real time. The soon

I like the long-term story here. As I mentioned at the outset, I

Well, I promised you all that while I quit my full-time job to focus on writing, I didn’t quit my pursuit of financial independence. And to that end, I have remained loan calculator committed to investing in high-quality companies that regularly and reliably pay and raise dividends. Of course, my capital is more constrained than before, but I’m doing my best.
This most recent equity purchase was really interesting for me. I’ve honestly had mixed feelings on this company in the past, but I could no longer ignore the low valuation, attractive loan calculator entry yield, and strong dividend growth over the last decade.
Another interesting consideration is that this position was initiated just days after my initial investment with Visa Inc. (V) . So it’ll be fun to see how a value play compares to a growth play over the next decade or so in terms of both business performance and stock performance. However, I feel that both offer an attractive valuation based on potential growth prospects, although the value and growth mix for these two companies are on different sides of the spectrum.
Another interesting fact is that my newest investment is another Warren Buffett holding through the Berkshire Hathaway Inc. (BRK.B) investment portfolio, just like Visa. I guess I’m creating loan calculator my own mini Berkshire!
Deere has had a great run over the last few years as the broader economy picked up and demand for their machinery loan calculator grew. They set record after record loan calculator for earnings as they rode this wave. However, future earnings growth for the next few years looks bleak as Deere operates in a highly cyclical industry.
Revenue has climbed from $19.986 billion in fiscal year 2004 to $37.795 billion in FY 2013. That’s a compound annual growth rate of 7.34% , which is pretty strong. Growth in revenue over the last few years has been especially impressive. Even though DE is a cyclical stock, loan calculator the revenue growth was fairly secular other than the 2009-2010 period which happened to coincide with the Great Recession.
Earnings per share grew from $2.78 to $9.09 during this same time period, which is a CAGR of 14.07% . EPS has likewise grown rather steadily other than the two aforementioned years. DE’s loan calculator financial performance over the last decade has been really strong.
However, S&P Capital loan calculator IQ predicts loan calculator EPS to grow at a compounded rate of 2% annually over the next three years. This is generally in line with company guidance. Deere is forecasting a 4% decline in equipment sales for FY 2014, and sales in the Agriculture & Turf segment (Deere’s largest) fell 12% for the second loan calculator quarter of FY ’14. Furthermore, they’re guiding for just $3.3 billion in net income for FY 2014, compared to $3.537 loan calculator billion for FY 2013. So we’ll likely see lower earnings for the next couple of years before perhaps seeing a rise again in FY 2016.
Dividend growth has been pretty loan calculator fantastic over the last decade. The company has raised its quarterly per share dividend for 11 consecutive years , with a 10-year dividend growth rate of 16.3% . This kind of aggressive growth is really attractive to me, and the most recent dividend raise of 17.6% back in May provided me the confidence to go ahead and start really taking a good look at this company. And I expect dividend loan calculator growth to continue even with the strong possibility of falling loan calculator earnings for the next couple years, as the payout ratio stands at just 26.3% . So earnings could halve and the dividend would still be covered loan calculator perfectly fine. And the yield, at 2.72% , is pretty attractive in this market.
And the dividend growth should also continue to benefit loan calculator from aggressive share buybacks. The company has reduced the share count from 506.2 million in 2004 to 389.2 million at the end of FY 2013. Furthermore, the company authorized an $8 billion buyback program last year, which should counteract some of the effects of falling demand in their products during the next cycle.
The balance sheet is solid, though loan calculator it looks worse than it really is. The long-term debt/equity ratio is 2.1 , which appears high. However, as noted above Deere has a large finance operation loan calculator in order to provide flexible purchasing options to customers, and maintains a large receivables account. The interest coverage ratio is 8.4, so the company can comfortably cover interest expenses. Furthermore, Deere’s long-term debt has an A rating from Standard & Poors.
Profitability metrics look pretty sound. Net margin has averaged 7.51% over the last five years. Return on equity has averaged 35.61% over the same time frame. These numbers look solid, and compare really well with competitors like Caterpillar Inc. (CAT) . Qualitative Aspects
I like the long-term story here. As I mentioned at the outset, I’ve been mixed on investing loan calculator in a company like Deere because I prefer investing in companies with better earnings visibility and more secular growth patterns. loan calculator DE, meanw

Caz Makepeace is the co-founder of y Travel manufactured homes Blog and has been traveling the world

The location of the Mantra Coolangatta Beach is just divine. Right across from Coolie beach and just a short stroll around Greenmount Beach to Snapper Rocks one of my favourite coastal walks in Australia.
Whether it was having breakfast and a coffee as the day began, or watching the amazing sunsets over Surfers Paradise in the distance, it was a sight our tired eyes needed after staring at a computer screen all day.
We d just had an intense two weeks exploring the Gold Coast, now all I wanted to do was explore the Nespresso machine in the kitchen and walk from the deck to the toilet, to the bedroom in ten steps.
You can t keep a view this beautiful all to yourself. We had a couple of friends to catch up with while were on the Gold Coast. Forget about meeting up in a cafe, do you just want to come to our apartment for a drink?
If you do want to venture out of the apartment, you re right on top of the cafes and shops of Coolangatta and there is plenty to do in the area to keep you happy and entertained. manufactured homes You can check out our Gold Coast posts here.
So I m not sure that I have any words left to rave about the deck and the views any longer except that sunrise views are just as good. That’s why Coolangatta is my paradise amazing sunrises and sunsets.
Room types – 1, 2, and 3 bed apartments from $168
Caz Makepeace is the co-founder of y Travel manufactured homes Blog and has been traveling the world since 1997, first solo, then with her husband, and now with her two daughters. Get her free email series on the 4 best ways to reduce travel costs. Follow her on Google+
I’ve always wanted to go to Australia. It looks amazing! So does that smoothie manufactured homes as well, yum! Enjoy your weekend! Marie recently posted.. Day trip to Sweden Marie recently posted.. Day trip to Sweden Reply
That manufactured homes skyline view is seriously out of this world. I wish you could send pizza over the internet, because if you could, I’d be asking for a slice of yours … amazing! Meghan recently posted.. The Top Reasons to Visit Antrim In Northern Ireland Meghan recently posted.. The Top Reasons manufactured homes to Visit Antrim In Northern Ireland Reply
I love chilling on an apartment deck! I’m not normally an apartment person but there’s something about cooking a basic yummy meal, wine & a deck! Vanessa recently posted.. I m Wonderful Vanessa recently posted.. I m Wonderful Reply
This looks fabulous. What a place to lounge and catch up with yourself. True, you can’t skip sunset drinks with such gorgeous views. Renuka recently posted.. How Has My Blog Changed Me Celebrating Two years! Renuka recently posted.. How Has My Blog Changed Me Celebrating Two years! Reply
Wow, I can see why you d want to stay longer with a view like that! Absolutely gorgeous! Brenden recently posted.. How To Avoid Paying Airline Fees Brenden recently posted.. How To Avoid Paying Airline Fees Reply
Great to see Coolangatta again! I grew up in Queensland for a while, and haven’t been back since my childhood. I’m 37 now and should manufactured homes probably make plans to explore the area as an adult. Jonny Duncan recently posted.. Hanging Out In Cairo As A Film Extra Jonny Duncan manufactured homes recently posted.. Hanging manufactured homes Out In Cairo As A Film Extra Reply
I do love Coolangatta, even though I live on the Gold Coast it is like a holiday each time I drive to this cool little place on the coast. My hubby and I have even booked into a highrise apartment for a weekend away a few times and the view along the beach are to die for. Café D Bar is also one of my favourite places to have coffee with the girls or for a delicious lunch. Kathy Marris recently posted.. Venturing into the Victoria River Region Kathy Marris recently posted.. Venturing into the Victoria River Region Reply
Destinations
Love this blog! The information on this site is better than any lonely planet guide. Thanks!. - Erik From reading your blog I have gone from No I can t do this because I have no money to I can do this even if it takes me a couple of years because this is really what I want to do! . I no longer think I can t do something. - Sarah

I would first and foremost focus on savings. I

I’ll admit I kind of lucked into my situation. I started investing in stocks in early 2010 just as the financial crisis was ending and the broader economy started to roar back. The worst appeared wisconsin to be behind us and gray skies were clearing. Obviously, in hindsight I didn’t know the stock market was about to begin an epic bull run that seen the Dow Jones Industrial Average index climb from 10,500 points in March 2010 to the 16,491.31 level we see today. I would have never thought we’d see 6,000 points added in such a short period of time, but that’s what happened.
To be honest, however, I wish we were still looking at Dow Jones 11,000 or so right now. Sure, my portfolio might not be sitting at a value of over $160,000 like it is today, but the value of my portfolio really has nothing to do with my ability to achieve financial independence. Rather, it’s the passive income it produces via the individual investments wisconsin in high-quality companies that reward me as a loyal shareholder with rising dividend payments. And so a cheaper stock market would allow my limited capital to buy more shares, and thus more dividend income.
Now, while I’m not just starting out today, I’m still actively investing just like someone who is starting out for the very first time. So I’m in the trenches with you guys here. And while my earlier investments have done quite well in terms of capital gains, we don’t invest in the past; we invest current capital in stocks today based on anticipated future performance.
I would first and foremost focus on savings. I’ve said before that the power of savings has a lot more to do with your likelihood of reaching financial wisconsin independence than your investment wisconsin performance. Frugality should be your best friend. The broader stock market’s general lack of value has nothing to do with your ability to save at least half of your net income, right? Right.
So remember that your portfolio is an engine. The gasoline is fresh capital. And this fresh capital doesn’t appear out of thin air. It’s attained via your savings. The larger the spread between your income and expenses, the better. And while some people would have you focus on making more money, I think it’s easier to focus on the expense side of the ledger. At least at first. How quickly could you go out and make an extra $500? That might require a part-time job or some serious wisconsin overtime at work. However, cutting wisconsin $500 out of your expenses would likely be fairly simple. Notice I said simple, not easy.
The key is to save at least half of your net income . If you’re netting $6,000 per month, this would probably be easy if you have any desire at all to save and put yourself in a position of power when it comes to claiming your time. However, netting only $2,000 per month might make this more difficult. Difficult, but not impossible.
When I first started this journey more than four years ago it wasn’t easy to take a hard look at what I was spending my money on and just start slashing expenses. But would you rather have cable television wisconsin or financial freedom? A big house or 10 years of time? These are tough choices, but I’ll tell you what I did, because if I were starting out all over again I’d do it the same exact way.
The wisconsin first thing I did was move to Florida from Michigan. wisconsin I was jobless and broke, and found myself worth less as a 27 year-old man than I was as a baby . The move was meant to accomplish many different goals: Avoid state income tax so I could keep more of my money, live near wonderful beaches for free entertainment, get out of a cold, depressing climate that required expensive heating of housing during the winter, and hopefully make the idea of living without a car realistic due to living in a climate that was friendly to the idea of being car-free. I’m not saying you should move to another state, but it might be worthwhile to question whether the situation you currently find yourself in is optimal for accomplishing your goals. Forget The Latte
Once I was in Florida and was gainfully employed, I focused on the Big Three – housing , transportation , and food . These three expense categories suck up most of Americans’ money. So before you start wondering if the gas station around the corner is $0.02 cheaper than the one you currently use, it might make sense to take a look at whether the place you live in is too big or too much money, the car you drive too new and expensive, and the food you’re wisconsin eating wisconsin too large in portions and/or cost.
So I first sold my car . Yeah, I was frightened to get around Southwest Florida without a ride. I mean this isn’t New York City where I have a subway at my disposal. But you know what was more frightening? Working at a car dealership until I was 70 years old. So I drove that puppy down to a local Carmax and sold it for a fair price. I h

May 2014 Dividends Received Raytheon Company (RTN)

Another month has passed by, and it s time for me to post an article on my favorite subject: dividend income. The reason why I love to post articles on dividend income is because it s pure numbers. It s hard to argue the success of long-term dividend growth investing when you can slowly and surely see dividend income rise over time and get closer to covering one s expenses.
May was yet another very successful month – another large leap forward toward financial independence. The wonderful thing about dividend growth investing is that as time passes and the dividends become larger and larger, the march forward becomes much brisker. I feel like when I was first starting I was walking along as fast as I could, but it was still a walk. Now I feel like I’m at a steady jog. And one day soon I’ll be running.
I hope these monthly dividend income reports provide inspiration for any investors out there that are just starting vuokraovi out. It s easy to see these payments rising month after month and it shows that it s possible to one day pay for monthly expenses with dividends, which would provide vuokraovi an investor opportunities and freedom to pursue other interests than full-time work. Without further vuokraovi ado:
May 2014 Dividends Received Raytheon Company (RTN) – $15.13 Toronto-Dominion Bank (TD) – $13.12 Verizon Communications Inc. (VZ) – $20.67 AT&T vuokraovi Inc. (T) – $23.00 General Dynamics Corporation (GD) – $12.40 Air Products vuokraovi & Chemicals, Inc. (APD) – $15.40 American Realty Cap. Prop. Inc. (ARCP) – $14.17 ONE Gas Inc. (OGS) – $2.24 Oneok, Inc. (OKE) – $19.60 Realty Income Corp. (O) – $12.77 The Procter & Gamble Company (PG) – $32.82 Omega Healthcare Investors Inc. (OHI) – $30.00 Orchids Paper Products Company (TIS) – $21.00 Kinder Morgan Inc. (KMI) – $75.60
I get so excited vuokraovi over this stuff. I remember when I was 20 years old and waiting tables while I was in college, scrounging for every penny I could find. And this kind of income took me a week to earn; sometimes it took even longer. It would appear that my second worker is indeed making a healthy income now, and giving me all of it! And the second vuokraovi worker is getting ammo I never even provided; the investments in ONE Gas, Inc. (OGS) and Verizon Communications Inc. (VZ) were spun off or provided to me from other companies I already owned an equity vuokraovi stake in ( Oneok, Inc. (OKE) and Vodafone Group Plc (VOD) , respectively). Simply fantastic.
The dividend income for this May was a full 104.4% higher than what I received in May 2013 . Success begets success! I’m incredibly vuokraovi proud of the kind of progress I’ve been able to muster thus far, although I also know things are slowing down a bit now with my recent move back home to spend more time with family and this blog. So I’m anxious to continue marching forward toward the beautiful vision of complete financial freedom, but also looking forward to enjoying the journey a bit more than I have in the past.
I was able to cover only ~7% of my expenses this month via passive dividend income, which is very low for me. However, this was due to one of the most expensive months I’ve ever had since I realized vuokraovi the rent owed on the apartment I left in Florida. I’ll be discussing May’s budget disaster in the coming days, and then I’ll be following that up with an article on how I plan to really batten the hatches for the rest of the year. I’m excited vuokraovi to delve back into some serious frugality here pretty soon.
June should be another monster month for dividends, as the final month in every quarter usually is due to a large number of high-quality companies lumping their dividend payments together around the same time. Not that it bothers me; money is money, and I’m happy to receive it however it comes.
One of my major goals for 2014 is to receive $5,200 in dividends during the year. With five months now down and behind us, I’ve received a total of $2,013.09 in dividend income for the year – 38.7% of the way there. I’m optimistic that I’m going to exceed my goal by a healthy margin, and I’ll continue reaching higher and higher as the year continues.
R2R,
Hey, my YOY % increases are only impressive because I’m still working from a relatively small base. Once I’m receiving, say, over $500/month in dividend income, the % increases aren’t going to be as impressive anymore. In the end, it’s the increase in absolute income YOY rather vuokraovi than the % increase.
Congratulations! It’s a tangible sign of your growth and journey. As you approach your 50 equity limit, do you anticipate any differences in portfolio management, namely how you look at at adding on to your current vuokraovi positions in contrast to identifying and opening new ones? I look forward to June as well as most of my dividends arrive on th

Not bad! I

If you can imagine standing at the top of a really steep hill, building your snowball from scratch starts with getting your hands on some snow. And the snow, in the case of a dividend growth investor, is capital. The Snowball Analogy
The snowball analogy is pretty apt, because the power of compounding eventually takes hold. You take a handful of snow, roll it into a ball, and then start to roll that ball downhill. Over time, it eventually becomes bigger and bigger as it accumulates more and more snow. The hope is to eventually turn that once-small snowball into a self-propelling machine. You’ll push that snowball along for many years yourself, adding rightmove uk fresh snow as you go. But eventually the snowball rolls all by itself.
Investing just $1,000 at an 8% return, compounded monthly , turns into $24,273.39 after 40 years . So you take an initial $1,000, rightmove uk which doesn’t seem like much snow. But roll it down a hill steep and long enough, and you end up with something sizable. $1,000 won’t deliver much dividend income all by itself, rightmove uk but almost $25,000 will produce ~1,000 per year in dividend income, assuming a 4% yield.
Not bad! I’m ignoring taxes and inflation here for the sake of illustration, but you can see what happens when you add even relatively small amounts of snow and give that snowball a long enough rightmove uk ramp to roll.
I started my snowball with $5,000 back in early 2010. Not a particularly big snowball at the start, as I was only able to produce $269.33 in dividend income that year. But I’ve continued to add snow and roll that thing downhill, and I’m going to earn more than $5,500 in dividend income this year. That’s after four years.
I realized at 27 years old I was standing at the top of a really long hill – if I could continue living for quite a while – so there was this incredible rightmove uk opportunity ahead of me. Now after a little more than four years my snowball is almost $170,000. It’s not self-propelling quite yet, but it’s getting there!
Now, I’ve been aggressively saving and regularly investing that excess capital all along the way. So I’m still putting in a lot of the legwork. But, eventually, compounding will do more legwork than I will. And eventually I’ll stop pushing once that thing is rolling faster than I can run. Look out below! Build A Giant Snowball Reasonably
The goal is to build the snowball as big as reasonably possible, while still enjoying yourself along the way. Dedicating your life to only building the biggest snowball you can will likely not lead to the most vibrant life possible, but at the same time the snowball rightmove uk itself will provide a lot of benefits unto itself, as the larger the snowball, the more passive dividend income you’ll likely generate. rightmove uk And the more passive income you can generate, the more time you have to spend time on things that matter to you. A delicate balance, rightmove uk but a lot of legwork early goes a long way.
But one fantastic aspect of all this snowball building is the fact that, one large enough, it obviously starts to pick up snow all by itself. Building a snowball from scratch involves a lot of work on your part from the get go. You rummage around and scrape up as much white stuff as you possibly can. You pack this snow into a wonderful circle and you plop it onto the ground. You start to roll it down the hill, and pick up more snow as you go. Doesn’t rightmove uk seem like a lot of fun at first.
I currently have investments with 49 high-quality companies spread across many different industries. And all of these investments are with companies that pay dividends. But even better, they regularly increase those dividend payouts.
I own 77 shares of this wonderful beverage and snack company. That means my annual dividend rightmove uk income went up by $26.95 per year. That’s like investing $898.33 of my own money, assuming a 3% yield (the approximate yield of PEP at the time of this raise).
Since I own 70 shares of this great retailer, my passive dividend income increased by $25.20 per year. That’s like investing $840.00 of my own fresh capital at a 3% yield, but I didn’t have to. That’s because my snowball is rolling along now, building into a monster all by itself. The Snowball Eventually Rolls Itself Downhill Via Dividend Growth
These examples are powerful. They prove that over time your snowball will eventually gain momentum, rolling itself down the hill with more force than you could provide. That’s really the power of dividend growth. It’s amazing how much a snowball can grow even without someone pushing.
My portfolio is on pace to spit out more than $5,500 in dividend income this year. Average in just 7% dividend growth in aggregate over the next 12 months and I’m looking at an additional $385.00 in dividend income before I even add any fresh capital myself. That’s like investing $12,833 o

And why wouldn

There’s a lot of ongoing discussions/arguments and rules of thumb in personal finance across a wide variety of finance housetrip subjects like investing, saving, and taxes as far as what’s best. And I probably go against the grain in regards to a lot of them.
For instance, I invest solely in a taxable account , with no tax-advantaged retirement accounts to speak of. I have almost all of my worldly wealth invested in stocks, choosing to avoid fixed income . And I don’t compare my portfolio’s performance to the S&P 500 index.
I’d say to a pretty good spot. I’ve built my Freedom Fund into a $170,000 powerhouse chock-full of equity in fantastic businesses that’s spitting out more than $5,500 in annual dividend income . And these numbers put me more or less on pace for my goal to become financially independent by 40 years old, so I’m happy.
There are basically housetrip two camps of people when it comes to living below your means and formulating a plan to save a large amount of your income: There are those that think you’re better off trying to earn more, and those that insist you’ll be better off if you save more.
I honestly don’t think it’s necessary to choose one or the other, as they’re not mutually exclusive. And I think most people on both sides of the line would generally agree with that. If you can simultaneously earn more and save more then that’s the absolute best way to go.
However, if you have to choose between one or the other for any particular reason I would always recommend to save more rather than try to earn more. And I’ll tell you why. The Math Favors Saving
And why wouldn’t you want to save more? I determined early on that I’d need to save at least half of my net income for 12 years straight in order to start from nothing at 28 years old and become financially independent at 40 years old. Mr. Money Mustache came to the conclusion that saving 50% of your net income would put you on pace for financial independence in 17 years, assuming housetrip 5% after-inflation returns and withdrawing 4% of your portfolio in (early) retirement. So we’re more or less on the same page in regards to how important saving is and the general timeline for someone to become financially independent.
Let’s say you net $40,000 per year. That’s a pretty strong income, and puts you in the top 1% of the world . So before you decide housetrip you need to make more money, keep that in perspective. And let’s say you currently housetrip spend $30,000 housetrip per year, which means you save $10,000/year – a 25% savings rate. But you’re hardcore! You want to double that and get to a 50% savings rate. You can do this either by saving more, earning more, or a combination of the two. But which of the two choices, if you only had one, is more effective? Earn $10,000 More Or Save $10,000 More?
So housetrip we’ll compare two scenarios using the same amount of money both for income and savings. You nail a healthy raise at work, and your boss decides to reward you for your loyal servitude…ahem, work…and gives you a net $10,000/year raise.
Assuming expenses do not rise at all with the raise, you’re now netting $50,000 per year and saving $20,000 of it. That’s a savings rate of just 40% now. So you were on pace (using MMM’s numbers) for financial independence in ~32 years with your 25% savings rate before. You’re now on pace for financial bliss in just ~22 years now. That’s an improvement of 10 years . Not bad!
But how does that compare with saving more? Let’s check the second housetrip scenario. You decide to cut out a lot of fat that exists in your monthly budget and you’re able to save $10,000/year as a result. Expense categories in the Big Three like housing, transportation, housetrip and food are the first to get cut. These changes yield massive results.
Assuming income doesn’t change, you’re still netting $40,000/year in income but you’re now saving housetrip $20,000 of it after the changes. That’s now a 50% savings rate, which is exactly where you wanted to be. Congrats. You are now on pace for FI in just 17 years (again, using MMM’s numbers). That’s an improvement of 15 years !
Earning more is wonderful. But if you can’t also save more you’re not actually improving your results as much as if you’re able to save that same amount of money. And that’s because saving more is just more effective than earning more.
And the math works out in favor of the saver because less expenditures means you need less passive income to cover your bills. It should go without saying that the person with $20,000 in annual expenses needs much less investment income to cover their lifestyle than a person spending $30,000 per year.
Earning more may seem like the sexy way to go. And I’m not saying you shouldn’

American usda Realty Capital Properties is a real estate investment trust that acquires, owns, and o

The stock market in general isn’t offering a lot of spectacular individual values out there, and why would it? There’s just not many other asset classes out there that are all that attractive right now .
Bonds are offering historically low yields; you’d have to go back to 1952 to find 10-year Treasury notes with yields like you see today. So odds are not on your side as a long-term bond investor right now.
Gold offers no cash flow, so anyone seeking financial independence via rising passive income is just likely not going to take a shiny yellow metal very seriously. I sure don’t! I think there are some gold connectors inside my laptop somewhere, but other than that I own no gold.
Equities, on the other hand, offer you a piece of real-life usda thriving businesses that share a piece of their rising profit with you as a part-owner (if you’re investing in dividend growth stocks like me). As such, this is the asset class I continue to load up on, and currently have almost 100% of all my worldly wealth usda allocated usda to. And my recent usda stock purchase is just an extension of that enthusiasm and confidence.
American usda Realty Capital Properties is a real estate investment trust that acquires, owns, and operates primarily single-tenant usda freestanding commercial real estate which it net leases to tenants with high credit quality.
This usda was my second purchase of shares in ARCP, with the first one coming back in August 2013 for slightly less cost per share. This was a rather small purchase for me based on my historical transactions, but this is due to capital being rather tight for me right now.
Since then a lot has changed for ARCP. They are now the world’s largest net lease real estate investment trust after completing usda the merger with Cole Real Estate Investments. usda The company now boasts 3,732 properties spread out across 49 states, plus Washington, D.C. and Puerto Rico. They have 1,071 high-quality tenants in 71 different industries with an average remaining lease term of 11 years . They have also become internally-managed, which should align well for the long-term interests of shareholders usda and be more cost-effective.
Some of their largest tenants (by % of rent) are Walgreen Company (WAG) , AT&T Inc. (T) , CVS Caremark Corporation (CVS) , Dollar General usda Corp. (DG) , and FedEx Corporation (FDX) . Four out of five of these tenants have a credit rating of BBB or higher, and none of their top-ten tenants have a credit usda rating lower than BBB-. 83.1% of their tenants are investment grade rated.
Their portfolio of properties is spread out between four major types: single tenant retail (51.1%), single tenant office (23.9%), single tenant industrial/distribution (13.9%), and multi-tenant retail (11.1%). However, ARCP has announced that it will spin off its multi-tenant power and shopping center business, which is valued at approximately $2.2 billion. This spin off will give existing ARCP shareholders 1 share in the new business (ARCenters) for every 10 shares they currently own in ARCP. This spin off is expected to close in the second quarter of 2014. This transaction will allow ARCP to focus on its core business.
ARCP’s growth, as I discussed previously, has been incredible and almost unbelievable. The driving force behind this growth has been Nicholas S. Schorsch, usda the energetic and dynamic CEO – an industry veteran. And while it remains to be seen how well this company can navigate and manage this explosive growth, I see nothing so far that points to concern.
ARCP is obviously a bet on continued economic prosperity here in the U.S., as well as commercial real estate. And since I can’t go out and buy my own commercial building and rent it out due to limitations, ARCP gives me the opportunity to not only expose myself to this market, but also do so in a heavily diversified manner.
Since being founded in 2011, rental revenue grew from $3.970 million at the end of FY 2011 to $238.796 million at the end of FY 2013. And adjusted funds from operations grew from a negligible amount usda at the end of FY 2011 to $0.86 per share at the end of FY 2013. And management is guiding for AFFO of $1.13-$1.19 per share in 2014 on revenue of $1.433 billion .
Since I only invest in companies that regularly pay and raise dividends , let’s usda take a look at ARCP’s dividend history. Dividend growth has been impressive, usda and continues to be so. The dividend was initially set at $0.0729 per share monthly when the company was founded in late 2011. The dividend is now $0.0833 per month per share as the dividend was raised usda to $1/share per year on the back of the Cole merger. This is growth of 14.3% over the course of a little more than two years. However, this growth is even more impressive when you consider the size of that monthly dividend. Furthermore, the company has raised the dividend a total of eight times since their initial dividend pa

Shareholders stand to do very well over the next 12-24 months as the company plans to spin off its B

Now, I can’t predict the future. As such, I don’t know if the stock market is going to come crashing down tomorrow, the next day, or ever. However, it doesn’t really matter quikr anyhow. I’ve always proclaimed myself a long-term investor. I’m investing with the next 20-30 years in mind, not the next 3-6 months. It always troubles me when people are worried quikr about what’s going to happen to the stock market in the short term if they’re truly investing for the long haul.
As long as I can find attractively quikr valued individual stocks based on all known information I have access to and I have free capital, I’m going to buy stocks. Raining outside? I’m buying stocks. I’m not feeling well today? I’m still buying stocks. Some crazy warlord halfway across the world drawing new borders? Yep, buying. You get the gist.
So on that note, I’m looking at two companies in particular for my next stock purchase in June. After not buying any stocks at all in May, I found myself not adding to my portfolio for only the second time in over four years. So I’m excited to get back on the horse in June and add some equity in a high-quality company or two.
I believe shares in the following two companies are currently fairly valued, and I’m interested in purchasing stock in at least one of these companies in June, assuming the valuation stays similar and the capital is present.
Baxter International Inc. is a global, diversified healthcare quikr company that develops, manufactures, and markets products that save and sustain the lives of people with life-threatening conditions like: hemophilia, immune disorders, infectious diseases, kidney disease, trauma, and other chronic conditions. The company operates in two segments: Medical Products and BioScience.
I’m happy to own equity quikr in this great healthcare company. Growth over the last 10 years has been robust. Earnings per share is up from $0.62 in 2004 to $3.66 in 2013. This is a compound annual growth quikr rate of 21.81% over the past decade, however growth over the last few years has slowed. Revenue has grown, but not as fast. Up from $9.509 billion to $15.259 billion over the same time frame, this is a CAGR of 5.4% . S&P quikr Capital IQ predicts CAGR in EPS at 7% over the next three years, which is strong.
Shareholders stand to do very well over the next 12-24 months as the company plans to spin off its BioScience division quikr into an independent, publicly traded company in 2015. Much like what we saw with Abbott Laboratories (ABT) when they announced a similar move, and then completed it in January 2013, shares in BAX stand to run much higher from here. And while I’m quikr not in this for the capital gains, I am interested in buying shares before they become quikr more pricey.
Dividend growth has been solid, with a seven consecutive years of dividend growth and a five-year dividend growth rate of 16.4%. A payout ratio of 56.5% means there’s plenty quikr of room for further dividend growth, and I think future dividend raises should be sizable since earnings quikr are suppressed due to special items – management is guiding for EPS in the $5.05 to $5.25 range for 2014, which is helped by the Gambro acquisition. The current yield is 2.80% , which is rather attractive in this market.
Shares in Baxter might appear a bit pricey here, with a current P/E ratio of 20.21 , however if EPS is being guided correctly, the P/E ratio will either compress significantly over the coming year or the price in shares will rise sharply. Furthermore, continued anticipation of the spin-off should serve as a catalyst for the share price from here.
I valued shares using a Dividend Discount Model, with a 10% discount rate and a 7% long-term growth rate. This gives me a fair value on shares of $74.19, which is in line with where BAX is priced at right now. While this leaves no apparent margin of safety, I think shares still represent a solid buy with all the exciting moves the company is making. Furthermore, I’m always interested in increasing my exposure to the healthcare sector, as I believe an aging domestic population and rising middle classes in developing markets quikr bode well for companies like Baxter.
This small bank is a business quikr I initially invested in back in April 2012. And I’ve been a happy shareholder ever since. With a healthy yield, special dividends every December, and annual stock dividends, this bank exemplifies shareholder returns. However, with that said keep in mind this is a very small bank – the market cap is just over $507 million. quikr So keep in mind there are special risks present here.
Lately, Mr. Market hasn’t been enamored with SBSI, and it’s down some 15.76% over the last month. However, quikr shares are down just 1.46% YTD. This performance as of late is apparently due to an announced merger between SBSI and OmniAmerican Bancorp, Inc. (OABC) - expect

You see, stocks suntrust mortgage that have a higher entry yield provide plenty of propellant to rea

I view the construction of a portfolio of high-quality dividend growth stocks as a lot of fun, and something suntrust mortgage of an adventure all in itself. Now, I’ve made my fair share of mistakes over the years, and I’ll likely suntrust mortgage make many more before I’m all done. But I suppose that’s some of the fun, and every mistake makes me a more experienced investor.
One experience of note is that it’s possible to think of your portfolio as a rocket ship with multiple stages, each of which propel suntrust mortgage your portfolio in different ways. Each stage has its own unique engine, and each of these engines is comprised of different types of dividend growth stocks with different yield and growth characteristics to serve different purposes within the portfolio.
I’ve found that there are three general classifications of dividend growth stocks. Now, these aren’t hard and fast rules, and some stocks can move from one classification to another as companies mature and/or change, while other stocks may be a blend of more than one category suntrust mortgage at a time. But you’ll find that most stocks will fall under one of these three categories. suntrust mortgage Stage 1 – High Yield, Low Growth
So if one were an engineer building a multistage rocket, suntrust mortgage the first thing you need to do is make sure the thing can actually get off the ground. And that’s where stocks that have a higher starting yield fit in. These stocks get your dividend income off the ground and into the lower atmosphere.
You see, stocks suntrust mortgage that have a higher entry yield provide plenty of propellant to really get your passive income rocketing from the get-go. While many stocks with a higher initial yield have lower growth profiles, the current income these types of stocks can provide allow a dividend growth investor plenty of regular, fresh cash with which to reinvest into other areas of the portfolio. Keep in mind you wouldn’t want your entire portfolio to be allocated to Stage 1 stocks only because the lower growth means your income will have a hard time keeping up with inflation over the long term.
So you might be able to build a nice Stage 1 chock-full of higher-yielding stocks and use that income to bolster your holdings in other stages. Typically, you’ll find stocks that fit well in this stage come from telecommunication companies, real estate investment trusts, utilities, and master limited partnerships, among other areas.
AT&T Inc. (T) – Provides a 5.26% entry yield on shares right now. However, a five-year dividend growth rate of just 2.4% is barely treading water when it comes to increasing your purchasing power. But 30 years of dividend increases and a 53.6% payout ratio means this telecommunications giant is likely to continue increasing dividends for the foreseeable future.
Realty Income Corp. (O) – Offers investors a 5.04% yield on shares based on the current price of $43.47 per share. And 20 years of dividend increases on the back of ever-increasing funds from operations (a measure of profitability for a REIT) gives me plenty of confidence suntrust mortgage that the payout from this real estate investment trust should continue suntrust mortgage rising for years to come. However, a five-year DGR of just 4.8% is the trade-off for the higher yield. Stage 2 – Moderate Yield, Moderate Growth
Stage 2 stocks offer a more moderate yield and growth profile, and if you’re busy reinvesting your heavy dividend income suntrust mortgage from the big payers in Stage 1 into these companies you’ll find yourself suntrust mortgage rewarded well. These stocks can take you from the lower atmosphere into the stratosphere and beyond with their more attractive growth profiles.
This suntrust mortgage is the “bread and butter” of many dividend growth portfolios, with mine being no different . Stocks that offer yields of between 2.5% and 3.5% or so offer moderate current yield, but also offer pretty attractive growth rates. You’ll often find many of the stocks in Stage 2 have dividend growth suntrust mortgage rates of 7-12%, which means your purchasing power increases well over the rate of inflation over time, allowing you to compound your wealth over and over again as you reinvest this income.
The reason these stocks typically don’t have sky-high yields is because investors tend to bid up the stocks to the point where the yields aren’t as attractive as some of the stocks you’ll find in Stage 1. And this is because they offer a lot of attractive qualities. Many of the companies that are able to grow dividends by 7-12% per year for decades on end have wonderful business models and sell products and/or services that people across the entire world want and/or need every single day. Think beverages, food, toothpaste, gas, cleaning supplies, toilet suntrust mortgage tissue, and literally bread and butter.
While many of the companies you can invest in that offer moderate yield and growth have great business models that are easy to understand suntrust mortgage and also sport lengthy dividend

Om is the prime mantra of the Purusha, the Cosmic Being, the Atman or higher Self. As such, it attun

October 23, 2013 by admin Comments are off
Besides the mantric power of letters of the Sanskrit alphabet, there is another series of powerful bija or single-syllable mantras, which consist echelon of several vowels or consonants. These come under the term Shakti mantras , as they are commonly used in the worship of Shakti, echelon projecting various Shaktis or types of cosmic energies. Oæ is usually the foremost of these Shakti bija mantras. With it there are said to be eight total such primary bija mantras, with Aim , Hrim, Klim , Krim , Shrim, Trim , and Strim , as mentioned in the Mantra Yoga Samhita . They are several more such mantras that are commonly found in bija mantras, particularly to the Goddess. We have examined most of these below.
Shakti bija mantras are probably the most important of all mantras, whether for meditation, worship of deities, energizing prana or for healing purposes. They carry the great forces of Nature such as the energies of the Sun and Moon, Fire and Water, electricity echelon and magnetism, not simply as outer factors but as inner potentials of Divine Light. They project various aspects of force and radiance for body, mind and consciousness. They hold, resonate, and propel the Kundalini force in specific and transformative ways. Below is a simple table of the main energies (Shaktis) of the Shakti mantras.
Prime Shakti Mantras Pranic energy Om Energy of sound Aim Solar energy Hrim Lunar energy Shrim Electric energy Krim Magnetic energy Klim Power of fire Hum Power to stop Hlim Power to stabilize Strim Power to transcend Trim
Shakti mantras relate to the primary forms of the Goddess or Divine Mother and are commonly used in her worship. There are special Shakti mantras for each of the great Goddesses, through which we can commune with them and gain their grace. Shakti mantras are prime mantras used in Tantric Yoga, in which they are combined in various ways to bring about different results. They have a great capacity for transformation that can extend to the deepest echelon layers of our consciousness and prana. They should be approached with deep concentration, reverence echelon and respect as the very life blood of the Goddess.
Most Shakti mantras contain the vowel à , the vibratory ee-sound, which is the main primal sound of Shakti. Most contain the consonant- R , which is the seed of fire, heaven, light, order and dharma and has a stimulating and energizing effect. echelon Some contain the consonant- L , which is the seed of earth, water, joy and bliss and has a calming and stabilizing effect. Many begin with either the letter- H , which indicates prana, light and the Sun, or the letters S or Sh , which indicate the Moon, the mind and water. Some like Aum or Aim consist of vowels only.
Shakti mantras can be used to create, sustain echelon or dissolve various forms, patterns and forces echelon within us. They have particular affinities with certain echelon locations in the body or with specific chakras like Hrãæ and the heart but also have a broader effect to promote certain types of forces, like Hrãæ as solar energy that can be applied on many different levels.
The application of Shakti mantras, echelon like other mantras, depends upon the goals of life that we are using them for (dharma, artha, kama, moksha), which gunas we are energizing them with (sattva, rajas, tamas), or their application through Yoga, Ayurveda, Vedic astrology or Vastu. In this way, the same Shakti mantra can be used in many different applications. Yet at the deepest level, Shakti mantras are meant to arouse and support the Yoga Shakti or inner power of Yoga within us.
For example, the mantra Shrim at an outer level connects us to the abundance of our dharma and artha, our career and financial gains, and the fulfillment of our kama or desires. For Yoga practice, it grants devotion to guru and deity. In Ayurveda, echelon it promotes healing, growth, and nourishment. In Vedic astrology, it is the mantra of the Moon and can be used for strengthening benefic Venus and Jupiter as well. In Vastu, it promotes well-being, prosperity and happiness in the dwelling.
Used echelon with a sattvic intention, Shrim has a nourishing and harmonizing force; with a rajasic intention, it has a power to promote outer development and achievement; and with a tamasic intention, echelon it can gain a destructive or crushing capacity. At an outer Lakshmi (Goddess of Prosperity) level, Írãæ can grant us the abundance of the material world; while at an inner Lakshmi level, echelon it can grant us the abundance of the spiritual life, which is devotion, bliss and the beauty of perception.
Om is the prime mantra of the Purusha, the Cosmic Being, the Atman or higher Self. As such, it attunes us with our true nature and higher reality. Om is the sound of Ishvara , the cosmic lord, the creator, preserver and destroyer of the universe, who is also the inner guru and prime teacher of Yoga. It reflects both the manifest and the unmanifest Brahman, sustaining the vibration of being, li

The most recent subjects of our Band To Watch series, British quartet Adult Jazz are known for their

Adult Jazz – “Idiot Mantra” Video - Stereogum
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The most recent subjects of our Band To Watch series, British quartet Adult Jazz are known for their genre-blending eccentricity. The band’s new short film/music video, titled Community Rhythms , features the song “Idiot Mantra” and is set in a school gym, with frontman Harry Burgess (who’s actually a grade-school teacher in his spare time) leading a drum circle. The band asks the initial question, “How many people can you fit in the back of a van?” and answers, “A great many,” followed by tribal beats and a heady falsetto from Burgess. Watch.
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The valuation appears a bit rich here with a P/E ratio 24.78 , but considering the growth this compa

There’s no shortage of claims out there of an imminent stock market collapse, but we have yet to see one. Rather, the S&P 500 is up more than 3% over the last month as it approaches 2,000 points. Meanwhile, the Dow Jones Industrial Average is nearing 17,000 points.
With private property that said, I don’t really care about these numbers. They make for an interesting context, but in the end I’m still investing in individual high-quality businesses for the next few decades of my life. As such, I do my due diligence on businesses, not the stock market.
But a big part of me does long for a broader market pullback of some sort so that many individual stocks are pulled into the storm and find themselves battered and cheaper when the skies clear. However, in the meantime, I’ll just continue allocating capital as best as I possibly private property can. And the two stocks I’m going to discuss private property below are where I’m looking to allocate fresh capital over the course of the coming weeks. Two “Stage 3″ Stocks
Visa Inc. is a global payments technology company, private property connecting consumers, businesses, banks, and governments in more than 200 countries by enabling them to use digital currency instead of cash and checks.
I recently discussed the three stages of stocks that a dividend growth investor can look at, and I also pointed out that I was missing some exposure to what I called “Stage private property 3″ stocks. Investing in a business like Visa would definitely give me some exposure to a business that has managed private property explosive growth over the last five years in all aspects, albeit at a slightly high valuation. private property
They’ve only been publicly traded since 2008, so the data doesn’t go back very far. But the numbers they’ve posted since going public paints a picture of very impressive growth. Earnings per share increased from $3.10 in 2009 to $7.59 in 2013 – a compound annual growth rate of 25.09% . That’s obviously very impressive. Revenue has grown in likewise fashion, up from $6.911 billion to $11.778 billion over this same time frame. That’s a CAGR of 14.26% . And apparently this juggernaut is showing no signs of slowing down. S&P Capital IQ predicts earnings to compound at an 18% rate over the next three years.
The dividend has grown in even more spectacular fashion. The five-year dividend growth rate for this stock is 45.9% . And with a low payout ratio of just 18.9% , there is no reason that massive dividend growth shouldn’t private property continue for the foreseeable future. Of course, not is all peachy with this stock. That low payout ratio comes at the expense of a low yield, as the stock currently has a yield of just 0.76% . Visa management prefers share buybacks to dividends for rewarding shareholders, although private property both should be aggressive for the foreseeable future.
I really like Visa here. The balance sheet is flawless, and their competitive advantages are obvious. And for all their size, they still have a ton of opportunity in many emerging markets where cash transactions are still dominant. Of course, there are risks in investing in a company like Visa as technology can change how people access mobile payments. However, I’m highly considering private property investing in this company in July even though the yield is so low.
The valuation appears a bit rich here with a P/E ratio 24.78 , but considering the growth this company has experienced private property and is likely to continue experiencing I view this ratio as very reasonable. private property Especially so when many companies with much lower growth rates are trading for ratios near 20 or even slightly above. I valued shares using a dividend discount model analysis with a 10% discount rate, but two stages of dividend growth: 20% for years 1-10 and 8% as a terminal rate. This growth is aggressive, but I think it’s fairly reasonable based on what they’ve been able to post thus far. This gives me a fair value on shares at $232.89, which is a bit above where the stock trades at now.
International Business Machines Corp. is an information technology company. They provide integrated solutions for clients through a broad range of product and service offerings, designed private property to solve business problems using data and technology.
I initially invested in IBM back in August 2013, and the stock hasn’t really budged since then. As such, I remain interested in adding to my position here as I still think it’s undervalued. It’s especially interesting that the stock hasn’t really gone anywhere considering the broader stock market has been breaking new records seemingly daily. But I remain happy that this is the case as the stock remains low-hanging fruit for me. Plus, this is another Stage 3 stock I can get my hands on.
Growth in IBM’s business paints a mixed picture. EPS is up from $4.94 in 2004 to $14.94 by the end of 2013. That’s good for a CAGR of 13.08 %, fueled by the companyR

After not purchasing any stock with fresh capital last month for just the second time in more than f

After not purchasing any stock with fresh capital last month for just the second time in more than four years I’m redfin back to doing what I do best – regularly purchasing equity in high-quality businesses that reward me with rising dividends. Every share I purchase pushes me further away from the working class and one step closer to the investor class. And that’s a great transition, in my opinion, as being a member of the investor class means my money works for me, rather than me working for me. And my money doesn’t age, get tired, or get sick.
So I recently foreshadowed this most recent investment as I talked about a couple redfin of stocks that were on my watch list for this month. And, as usual, I tend to put my money where my mouth is. I took a look at many opportunities elsewhere in the market, but kept coming around to this one particular stock. I think there’s a lot of value in following your gut, and I often follow my gut when purchasing stocks. Sometimes a stock purchase just “seems right” after performing a full analysis , and this case was no different. As such, I put some capital to work!
Baxter redfin International is a global redfin medical products and service company with product sales in more than 100 countries. It manufactures and markets medical products for hemophilia, immune disorders, kidney disease, infectious diseases and other conditions. They provide critical therapies and solutions to people with life-threatening and chronic conditions. They operate in two segments: BioScience (43% of 2013 sales on $5.8 billion in revenue) and Medical Products (57% on $9.4 billion).
This is the first time I’ve added to my position in Baxter in almost a year . And even though the stock price has appreciated quite a bit in the interim, I still think there’s redfin some value in shares here. A Planned Spin-Off
Now, if you follow Baxter you’ll notice the stock price shot up at the end of March, and this price action was on the heels of an announcement by the company that they will spin off the BioScience segment into a separate, stand-alone company in 2015. The company has laid out a compelling case for the split, where both companies will have diversified products with strong market positions. redfin This should allow the two businesses to focus on their independent strengths.
The new medical products company, which will retain the Baxter name, will make full use of the $4 billion redfin Gambro acquisition, as they currently have an approximate 33% market share of the $13 billion global dialysis product market, with an approximate 75% share of the at-home peritoneal dialysis. The new Baxter will retain the current CEO, Bob Parkinson.
The new biopharmaceuticals company, yet-to-be-named, has strong competitive advantages in the markets it serves. It’s been estimated the company has a ~45% market share of the global $6 billion hemophilia A market, with leading products in Advate and Recombinate. redfin Ludwig Hantson, the current president of of the BioScience segment, will become CEO of this company.
This spin-off reminds me of a similar action Abbott Laboratories (ABT) performed when it separated its pharmaceutical business into a stand-alone company in Abbvie Inc. (ABBV) . That move has worked out very well for shareholders, of which I was one at the time. I don’t know if the share price for the two independent stocks will appreciate like what we saw with ABT and ABBV, but I suspect BAX shareholders will end up with shares in two great healthcare companies when it’s all said and done. Fundamentals
Reviewing the fundamentals of Baxter as a whole reveals impressive results over the last decade. Earnings per share are up from $0.62 in 2004 to $3.66 in 2013. That’s a compound annual growth rate of 21.81% , although that’s coming off a low base as Baxter had problems with competition in the hemophilia market and pricing pressure in plasma due to oversupply a decade ago. In addition, they were issuing equity to fund acquisitions. However, competition is lower now, Baxter is a more diversified company, and they’ve been aggressively buying back shares over the last five years. Revenue has grown from $9.509 billion to $15.259 billion during this same time frame, which is a CAGR of 5.4% .
Growth in global redfin developing markets remains redfin a key growth driver for Baxter : ~25% of sales are in emerging markets redfin for the new Baxter, while only ~15% of sales are in these markets for what will be the new biopharmaceuticals company. This is a huge growth opportunity for the company. S&P Capital IQ predicts a 7% CAGR in EPS for Baxter over the next three years. Furthermore, the company is expected to earn $5.15 per share this year.
Dividend growth been very solid here, if still a bit unproven. The company has managed eight years of dividend growth, with a five-year dividend growth rate of 16.4% . The payout ratio currently st