Dividends

Karen Wilson on

We would like to know how to find stocks that have really
good dividends that aren't really expensive. I have tried
to look on various web sites and can't seem to find what I
am looking for. I don't have a lot of time so would like to
find somewhere that would just list perhaps the top 10-25
stocks that pay the best dividends.

BRUCE & MAXINE WOOD on

Karen, Try ManifestInvesting.com. bruce wood

----- Original Message -----

Is this the same Karen Wilson who's married to Steve?

> Date: Fri, 12 Apr 2013 21:01:00 +0000
> From: karenbwilson@sbcglobal.net
> Subject: [club_cafe] Dividends
> To: club_cafe@bivio.com
>
> We would like to know how to find stocks that have really
> good dividends that aren't really expensive. I have tried
> to look on various web sites and can't seem to find what I
> am looking for. I don't have a lot of time so would like to
> find somewhere that would just list perhaps the top 10-25
> stocks that pay the best dividends.

Jayne Gilbert on

Use the bivo tools you subscribe for. Investors Business Daily is excellent. Go to the library and check out ValuLine. Try YahooFinance.com. Fidelity has a great website. They all take time but education is a major goal for investment clubs. Happy Hunting!!

tools

Jayne Sent from my iPhone

On Apr 12, 2013, at 9:01 PM, Karen Wilson <karenbwilson@sbcglobal.net> wrote:

> We would like to know how to find stocks that have really
> good dividends that aren't really expensive. I have tried
> to look on various web sites and can't seem to find what I
> am looking for. I don't have a lot of time so would like to
> find somewhere that would just list perhaps the top 10-25
> stocks that pay the best dividends.

Leo Cardillo on

The Stock Aristocrats is the answer that you are looking for!

See:

S&P 500 Dividend Aristocrats, the Best US Dividend Stocks

www.topyields.nl/Top-dividend-yields-of-Dividend-Aristocrats.php

Happy Hunting!

On Fri, Apr 12, 2013 at 5:33 PM, Jayne Gilbert <jaynegrd@sbcglobal.net> wrote:

Use the bivo tools you subscribe for. Investors Business Daily is excellent. Go to the library and check out ValuLine. Try YahooFinance.com. Fidelity has a great website. They all take time but education is a major goal for investment clubs. Happy Hunting!!

tools

Jayne Sent from my iPhone

On Apr 12, 2013, at 9:01 PM, Karen Wilson <karenbwilson@sbcglobal.net> wrote:

> We would like to know how to find stocks that have really
> good dividends that aren't really expensive. I have tried
> to look on various web sites and can't seem to find what I
> am looking for. I don't have a lot of time so would like to
> find somewhere that would just list perhaps the top 10-25
> stocks that pay the best dividends.

Toucalit on

Greetings Karen,

We provide a watch list of Dividend stocks that have, or have had, a
minimum of ten years of dividend increases and trade within 10% of
their respective 52-week low. It is at this point we determine the
qualitative attributes from both a fundamental and technical basis.

In addition to providing this watch list twice monthly, we perform 1
year performance reviews of the top five stocks on each list.

www.NewLowObserver.com

Regards.

-Touc
New Low Observer

Please excuse the errors since this message was sent while I was on
the road.

On Apr 12, 2013, at 9:01 PM, Karen Wilson <karenbwilson@sbcglobal.net>
wrote:

> We would like to know how to find stocks that have really
> good dividends that aren't really expensive. I have tried
> to look on various web sites and can't seem to find what I
> am looking for. I don't have a lot of time so would like to
> find somewhere that would just list perhaps the top 10-25
> stocks that pay the best dividends.

Richard Williams on

Don’t forget: http://www.manifestinvesting.com/

And the Premium Service of this one is Dividends 4 Life:

http://www.dividend-growth-stocks.com/

He has a good FCF and DCV analysis system similar to SSG techniques.

Good Luck searching.

I understand the concern of IRS recordkeeping, but not re-investing Dividends in my opinion goes against the grain of everything I thought I have learned and used to teach 15 years ago when I was a Chapter Director. I guess times have changed and I have not kept current since I have not been on the NAIC website for a while.

Rich

On Apr 12, 2013, at 9:01 PM, Karen Wilson <karenbwilson@sbcglobal.net> wrote:

> We would like to know how to find stocks that have really
> good dividends that aren't really expensive. I have tried
> to look on various web sites and can't seem to find what I
> am looking for. I don't have a lot of time so would like to
> find somewhere that would just list perhaps the top 10-25
> stocks that pay the best dividends.

Laurie Frederiksen on

As I told my 17 year old son when he wanted to get a tatoo, a lot changes in 15 years. There is not a lot that I wanted desperately when I was 17 that I still wanted 15 years later.

There were price advantages to doing dividend reinvesting 15 years ago so it made sense to many of us at the time.

In today's world of low or non-existent trading commissions, that no longer applies. To me, as a club treasurer, or even as an individual investor, that means it is no longer worth my time and effort to deal with the record keeping issues that come along with it.

Most NAIC people I know no longer recommend automatic dividend reinvesting. Staying fully invested doesn't mean being on autopilot. Each dividend can be accumulated and then used to make subsequent purchases of stocks when their fundamentals and pricing make it appropriate to do so.

Laurie Frederiksen
Invest with your friends!
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I understand the concern of IRS recordkeeping, but not re-investing Dividends in my opinion goes against the grain of everything I thought I have learned and used to teach 15 years ago when I was a Chapter Director. I guess times have changed and I have not kept current since I have not been on the NAIC website for a while.

Rich

On Apr 12, 2013, at 9:01 PM, Karen Wilson <karenbwilson@sbcglobal.net> wrote:

> We would like to know how to find stocks that have really
> good dividends that aren't really expensive. I have tried
> to look on various web sites and can't seem to find what I
> am looking for. I don't have a lot of time so would like to
> find somewhere that would just list perhaps the top 10-25
> stocks that pay the best dividends.

Roy Chastain on

Laurie, As you know from our prior discussions, I tend to agree with Rich. To do as "most NAIC people" suggest, and hold dividends in cash until pricing makes sense is trying to time the market - something NAIC cautioned against. Further, if you take dividends in cash. how do you track it to show what your total return truly is, ala Section 5 of the SSG? But, because of the Wash Sale rules, I agree the headache involved for taxable accounts outweighs my Total Return concerns. Thus, I stopped DRIPs in my taxable account.

But, I see no reason to stop DRIPs in IRAs. Your caution against mixing securities in taxable accounts and non-taxable accounts is well stated. That is why I only use ETFs in my taxable accounts. If I held stocks there, I would have to be extra diligent about sales and buys. But, other than that, continuing DRIPs in non-taxable accounts meets both Rich's and my concerns.

Roy Chastain

"Little by little, I am learning the art of being quite content with doing very little slowly."
Lionel Hardcastle in "As Time Goes By"

--- On Sat, 4/13/13, Laurie Frederiksen <laurie@bivio.biz> wrote:

From: Laurie Frederiksen <laurie@bivio.biz>
Subject: Re: [club_cafe] Dividends
To: club_cafe@bivio.com
Date: Saturday, April 13, 2013, 8:42 AM

As I told my 17 year old son when he wanted to get a tatoo, a lot changes in 15 years. There is not a lot that I wanted desperately when I was 17 that I still wanted 15 years later.

There were price advantages to doing dividend reinvesting 15 years ago so it made sense to many of us at the time.

In today's world of low or non-existent trading commissions, that no longer applies. To me, as a club treasurer, or even as an individual investor, that means it is no longer worth my time and effort to deal with the record keeping issues that come along with it.

Most NAIC people I know no longer recommend automatic dividend reinvesting. Staying fully invested doesn't mean being on autopilot. Each dividend can be accumulated and then used to make subsequent purchases of stocks when their fundamentals and pricing make it appropriate to do so.

Laurie Frederiksen
Invest with your friends!
www.bivio.com

I understand the concern of IRS recordkeeping, but not re-investing Dividends in my opinion goes against the grain of everything I thought I have learned and used to teach 15 years ago when I was a Chapter Director. I guess times have changed and I have not kept current since I have not been on the NAIC website for a while.

Rich

Linda Lee on

For my personal accounts, I have always chosen dividend reinvestment for funds and ETF's but not for stocks. Back in the 80's when I bought my first stock, I chose dividend reinvestment, but found out early on that this is a raw deal. That same stock has gone through buyouts, mergers, spin-offs several times. I still remember the first time I had to calculate the new cost basis. Having no financial background, I relied on my knowledge of material balance equations from engineering classes. For funds and ETFs, I welcome the tax law changes. This forces brokerages to give me the cost basis information online so that I can check my records frequently. In the past, brokerages kept my fund records in averages. Now they have to give me my cost basis in lots if I don't choose averaging.

Sent from my iPad

On Apr 13, 2013, at 9:30 AM, Roy Chastain <e4roy@yahoo.com> wrote:

Laurie, As you know from our prior discussions, I tend to agree with Rich. To do as "most NAIC people" suggest, and hold dividends in cash until pricing makes sense is trying to time the market - something NAIC cautioned against. Further, if you take dividends in cash. how do you track it to show what your total return truly is, ala Section 5 of the SSG? But, because of the Wash Sale rules, I agree the headache involved for taxable accounts outweighs my Total Return concerns. Thus, I stopped DRIPs in my taxable account.

But, I see no reason to stop DRIPs in IRAs. Your caution against mixing securities in taxable accounts and non-taxable accounts is well stated. That is why I only use ETFs in my taxable accounts. If I held stocks there, I would have to be extra diligent about sales and buys. But, other than that, continuing DRIPs in non-taxable accounts meets both Rich's and my concerns.

Roy Chastain

"Little by little, I am learning the art of being quite content with doing very little slowly."
Lionel Hardcastle in "As Time Goes By"

--- On Sat, 4/13/13, Laurie Frederiksen <laurie@bivio.biz> wrote:

From: Laurie Frederiksen <laurie@bivio.biz>
Subject: Re: [club_cafe] Dividends
To: club_cafe@bivio.com
Date: Saturday, April 13, 2013, 8:42 AM

As I told my 17 year old son when he wanted to get a tatoo, a lot changes in 15 years. There is not a lot that I wanted desperately when I was 17 that I still wanted 15 years later.

There were price advantages to doing dividend reinvesting 15 years ago so it made sense to many of us at the time.

In today's world of low or non-existent trading commissions, that no longer applies. To me, as a club treasurer, or even as an individual investor, that means it is no longer worth my time and effort to deal with the record keeping issues that come along with it.

Most NAIC people I know no longer recommend automatic dividend reinvesting. Staying fully invested doesn't mean being on autopilot. Each dividend can be accumulated and then used to make subsequent purchases of stocks when their fundamentals and pricing make it appropriate to do so.

Laurie Frederiksen
Invest with your friends!
www.bivio.com

I understand the concern of IRS recordkeeping, but not re-investing Dividends in my opinion goes against the grain of everything I thought I have learned and used to teach 15 years ago when I was a Chapter Director. I guess times have changed and I have not kept current since I have not been on the NAIC website for a while.

Rich

Roy Chastain on

Linda, I agree that the law change is helpful, but it is best to keep accurate records and double check the brokers records; it is surprising how often they err. Further, the lots issue really works well when you've bought substantial amounts at various times. My club sold the 3rd lot of six of one stock in order to take a tax loss to balance some gains. I'm not sure dividends are of sufficient size to accomplish what we did.

I also now agree with Laurie to Wash Sales and taxable accounts. When I sold my QQQ ETF in my taxable account and bought it back a short time later, I didn't take into account my reinvested dividends. Plus, some turned out to be short-term capital gains, while most were LT. Both these issues caused some problems, which my accountant resolved. Of course, if you sell and don't buy back the same or substantially similar MF/ETF security (w/DRIPs) for at least a year, then I don't see were you would have an issue with DRIPs.

Roy Chastain

"Little by little, I am learning the art of being quite content with doing very little slowly."
Lionel Hardcastle in "As Time Goes By"

--- On Sat, 4/13/13, Linda Lee <lindalee0@yahoo.com> wrote:

From: Linda Lee <lindalee0@yahoo.com>
Subject: Re: [club_cafe] Dividends
To: "club_cafe@bivio.com" <club_cafe@bivio.com>
Date: Saturday, April 13, 2013, 10:14 AM

For my personal accounts, I have always chosen dividend reinvestment for funds and ETF's but not for stocks. Back in the 80's when I bought my first stock, I chose dividend reinvestment, but found out early on that this is a raw deal. That same stock has gone through buyouts, mergers, spin-offs several times. I still remember the first time I had to calculate the new cost basis. Having no financial background, I relied on my knowledge of material balance equations from engineering classes. For funds and ETFs, I welcome the tax law changes. This forces brokerages to give me the cost basis information online so that I can check my records frequently. In the past, brokerages kept my fund records in averages. Now they have to give me my cost basis in lots if I don't choose averaging.

Sent from my iPad

On Apr 13, 2013, at 9:30 AM, Roy Chastain <e4roy@yahoo.com> wrote:

Laurie, As you know from our prior discussions, I tend to agree with Rich. To do as "most NAIC people" suggest, and hold dividends in cash until pricing makes sense is trying to time the market - something NAIC cautioned against. Further, if you take dividends in cash. how do you track it to show what your total return truly is, ala Section 5 of the SSG? But, because of the Wash Sale rules, I agree the headache involved for taxable accounts outweighs my Total Return concerns. Thus, I stopped DRIPs in my taxable account.

But, I see no reason to stop DRIPs in IRAs. Your caution against mixing securities in taxable accounts and non-taxable accounts is well stated. That is why I only use ETFs in my taxable accounts. If I held stocks there, I would have to be extra diligent about sales and buys. But, other than that, continuing DRIPs in non-taxable accounts meets both Rich's and my concerns.

Roy Chastain

"Little by little, I am learning the art of being quite content with doing very little slowly."
Lionel Hardcastle in "As Time Goes By"

--- On Sat, 4/13/13, Laurie Frederiksen <laurie@bivio.biz> wrote:

From: Laurie Frederiksen <laurie@bivio.biz>
Subject: Re: [club_cafe] Dividends
To: club_cafe@bivio.com
Date: Saturday, April 13, 2013, 8:42 AM

As I told my 17 year old son when he wanted to get a tatoo, a lot changes in 15 years. There is not a lot that I wanted desperately when I was 17 that I still wanted 15 years later.

There were price advantages to doing dividend reinvesting 15 years ago so it made sense to many of us at the time.

In today's world of low or non-existent trading commissions, that no longer applies. To me, as a club treasurer, or even as an individual investor, that means it is no longer worth my time and effort to deal with the record keeping issues that come along with it.

Most NAIC people I know no longer recommend automatic dividend reinvesting. Staying fully invested doesn't mean being on autopilot. Each dividend can be accumulated and then used to make subsequent purchases of stocks when their fundamentals and pricing make it appropriate to do so.

Laurie Frederiksen
Invest with your friends!
www.bivio.com

I understand the concern of IRS recordkeeping, but not re-investing Dividends in my opinion goes against the grain of everything I thought I have learned and used to teach 15 years ago when I was a Chapter Director. I guess times have changed and I have not kept current since I have not been on the NAIC website for a while.

Rich

Linda Lee on

Roy,

In my personal accounts, I have been tracking my holdings on spreadsheets since 2005. Before then, I used a spiral bound notebook. As I accumulate more securities in more accounts, my workbook keeps growing. I had been tracking securities in my IRA too. I orginally intended to use the tracking info for selling specific shares of mutual funds so that I could optimize for taxes. Now it is easy to do this on-line, but I continue to do this so that I can just flip to the worksheet. It also forces me to look at my accounts each month. I used to just file the statements in a drawer. Now I look at the transactions each month. So far the mistakes have all been on my end. The tracking sheets were useful for gifting mutual funds and staying under the limit. I gifted the max each year to my son when he was in college. I took full advantage of the tax laws to get rid of my appreciated mutual fund at his tax rate before the tax laws were changed.

I tried using Quicken but I found it too much work to enter the tax lot sales and I did not know how to deal with mergers and splits. Even though it is more work to manually enter dividends on a spreadsheet, it is much easier to enter sales and merger, spin-off info. When I sell shares I highlight the tax lots and subtract the bases of these lots. I have found my engineering skills easily adaptable in determining how to prorate the changes to the cost basis when a merger takes place and I am issued new stock and the fractional shares are cashed out.

Linda

From: Roy Chastain <e4roy@yahoo.com>
To: club_cafe@bivio.com
Sent: Saturday, April 13, 2013 11:09 AM
Subject: Re: [club_cafe] Dividends