Dividend Investing

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In the last year or so, I have seen a renewed interest in “dividend investing”.  Dividend investing means that people select what stocks to buy based primarily on the amount of dividends that the company pays as a percentage of the price of the stock.  This is called the Dividend Yield.  Before getting into more details, let me define some terms and concepts:

What are dividends and why do companies give them?  A dividend occurs when a company distributes a share ...

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Managing your portfolio in retirement

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One of the biggest financial impacts of retirement is the mind-set change that is needed to manage your portfolio.  Prior to retirement, financial planners recommend having “ready-cash” or an emergency fund equal to 3 – 12 months of expenses.  In addition, every month you are adding money to your portfolio through 401(k) accounts, IRAs, etc.

In retirement, the dynamics of your portfolio are turned upside down.  Instead of adding to your savings every month, most people need to take money out ...

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Retirement plans and fiduciary responsibilities

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One of the “hot button” issues with retirement plans is the Department of Labor (DOL) plan to label people that provide services to an employee retirement plan as Fiduciaries.  In short, this means that the service providers must put the needs of the plan participants ahead of their own need.  Below is my comment letter sent to the DOL earlier today in full support of making those service providers subject to a very strong fiduciary standard.  The letter is not ...

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Social Security Changes

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On Wednesday December 8, 2010, two rule changes were made to Social Security that received very little media attention.  Both of the changes impact the ability beneficiaries to take advantage of loopholes in the system.  With these changes, effective immediately with the press release, beneficiaries only have 12 months to withdraw their application for benefits and pay back the amounts they received.  This is also now limited to 1 time per person in their lifetime.  The second change only allows ...

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