This week I had the pleasure of accompanying my daughter on her school class field trip to Mackinac Island (pronounced Mack-i-naw). We had an excellent time and I was really glad that I got to create this memory with my daughter.
As part of my love affair over the last year with investing in dividends, I’m going to continue to introduce posts that focus on one particular aspect of evaluating a particular stock prospect. So this week, we’ll be looking specifically at the dividend yield formula and what it can tell us about the stock or company.
I’ve got to admit that I’m slightly frustrated. Ever since the Google penalty was removed from my niche website, I was happy to see it go from as low as Number 40 and stabilized between No. 16 and 20. But then over April it hasn’t really moved too much beyond that …
Obviously the goal with building these money earning sites is to make some money! With Google Adsense as my major monetization stream for this site (for now), I’m not going to receive nearly as much action on the bottom of SERP 2 as I would if I were at the No. 1 spot. That’s why cracking the Top 10 spots by getting to the first page of Google and eventually the number 1 spot is absolutely imperative if I want to see any amount of significant income.
And so that leads me back to the question of “what to do”. While that may seem pretty straight-forward, I’ve had some experiences that have left me a little puzzled. Here’s what’s been happening:
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Secured business loans can be an important source of funding but they are not suitable for every business in every circumstance. If a business is struggling, throwing cash at the problem is not always the best solution. Once you factor in the added burden of actually repaying the loan, it could even make any existing problems worse.
What a wild ride the last 4 months have been! It’s been a while since I’ve done a dividend stock portfolio update, and I thought this would be a great time to report (i.e. celebrate) my earnings.
Over the last few years the name “Bernie Madoff” and the term “Ponzi Scheme” have been used almost interchangeably. Obviously we all know that this man was a crook and that he committed a very serious act of fraud by stealing millions of dollars from trusted investors. But have you ever stopped to ask yourself just what one is or what a Ponzi Scheme example would even look like?
Every now and again when I read through the headlines on my favorite money news sites, I see the same desperate-for-attention headlines proclaiming that “retirement is dead” and that we basically have no hope of ever saving enough money. How do they draw those conclusions? The usual suspects cited are the decline of pensions, the deflating of Social Security and the rise in costs as reasons why none of us can save and why we’ll all need to work until we are 80.
And then there is my personal favorite: The 401k. They talk about the 401k like it’s a James Bond villain. When they compare the pension vs 401k, they describe it as a horrible and inefficient means for retirement. Basically, their message is that the 401k killed retirement.
That is complete nonsense. The 401k didn’t destroy our chances at the American Dream … we did.