I look forward to pullbacks where our readers can find better price points to establish or add to quality dividend stock positions. We advocate investors develop a monthly system of depositing money into their brokerage accounts. Automate this process as best you can, so you remove any barrier of thinking whether you want to skip a month or two if the market is pulling back. Embrace the learning process of investing, and be willing to keep an eye on how your investments are performing. Staying in the loop is a great thing and you’ll received big benefits from doing so.

Just dabbling in the markets will not get you to where you need to be. Putting money to work every month should be a regular routine. If you have a habit of jumping in and out of the markets, dividend investing is the best remedy for that affliction. You will get a new perspective on what long-term investing and the power of compound interest can deliver.

Sometimes You Need to Change Your Perspective

Have you ever wondered why certain very talented musical artists just don’t hit it big? Much-hyped athletes also fail to pan out many times. Despite your hopes for success, many people seem to fall short of expectations.

Sometimes, failure is just a matter of timing. In music, for example, the artist’s sound could be a bit ahead of its time. I’ve heard many singers over the years that sounded similar to Adele or Amy Winehouse, but just never achieved mainstream success. Once market conditions were right, however, the same sound results in massive fame and accolades.

If you’ve ever found yourself in a situation where you talents have been overlooked, you should never give up on trying to knock down the door of success. Famous Oakland A’s General Manager Billy Beane had a promising career as a baseball player, but he just couldn’t overcome the stress he put on himself when he failed to perform. Rather than walking away from baseball altogether, he took his obsessive faults and turned them into a system to evaluate how truly talented young baseball players were. He never gave up his dream or love for the game, he just needed to come at it from a different perspective.

So while it may not have been in the cards for Mr. Beane to make it big as a major league baseball player, he certainly kept knocking until he had made his mark on the game he loved. Remember, sometimes all it takes is a slight change of perspective to achieve that level of success you’ve been dreaming of all along.

Go Beyond This Newsletter

We know many of you enjoy reading the daily newsletter, but remember that with our Dividend.com Premium service, the newsletter is just one small component of what we offer. Here are the “Big Three” benefits of our Premium service:

- The Best Dividend Stocks List is used by tens of thousands of investors to help build their own portfolios.

- Creating your own Watchlist allows you to track the performance, news, and upcoming dividend payouts of the particular stocks you care about.

- Finally, we offer the most complete and easy-to-use dividend data on the web. Many subscribers use this data as part of a “Dividend Capture” trading strategy, but long-term investors can use it to keep track of impending payouts. Just visit our Ex-Dividend Calendar for a complete outlook on which companies will be paying out soon.

We don’t ask for a credit card to use our free trial, and we don’t bill you when your trial ends. No obligation whatsoever! So keep enjoying the newsletter, but please give Dividend.com Premium a shot if you haven’t already subscribed!

An Important Note Regarding the Best Dividend Stocks List

We want to make sure everyone understands that the stocks on our Best Dividend Stocks List are the names we currently like for new investor capital, regardless of what date the stock was first recommended on. If and when a stock is removed from the list, we will clearly state whether the stock should be sold (which is rare but occasionally will happen), or simply held in one’s account until we see a better entry point or catalyst.

And here’s one last thing to remember about what we do here at Dividend.com. It’s not just the names that we recommend that can help you build wealth, but also the things we try to steer you away from that are just as important. Forget about speculative or penny stocks, chasing unprofitable IPOs, and listening to the manic talking heads in the business media!

As we enjoy this holiday weekend and celebrate Memorial Day, let us not forget the soldiers who died while serving in our armed forces over the many decades. Their families sacrificed so much and I can only imagine how tough these holidays can be. Say a prayer for them and please let us not waste our lives wishing what we could have done, but instead just do it. Many sacrifices have been made for us to be where we are today as a country and with the freedoms & rights we have as individuals.

Thank you for sharing part of your holiday weekend with me and I’ll be back on Tuesday.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

Despite today’s market drop, the average still managed to close out the week with gains, although still off the early month highs.

With little big news items out today, numerous analyst calls dominated market chatter. However, we were focusing on some of the big earnings reports that came out this week, and how those stocks closed the week. Lowe’s (LOW) and Tiffany & Co. (TIF) reported rather unflattering results and were not able to rebound much from the week’s share price drop. On the flipside, shares of PVH Corp (PVH), PetSmart (PETM), and Ralph Lauren (RL) did a good job at holding the week’s gains.

Facebook Refunds Expected Soon

According to several news sources, it appears Morgan Stanley (MS) will compensate retail investors who overpaid when they bought Facebook’s (FB) stock in last week’s IPO. This development comes following reports that Morgan Stanley analysts cut their second-quarter and full-year forecasts for Facebook just before the IPO, and told only a handful of clients. While not the first time something like this has happened, because Facebook was such a high profile IPO, they feel the need to make things right. Plus, the last thing banks want is to fall under even greater governmental scrutiny.

I’m not arguing against compensation for duped shareholders. Rather, I want retail investors to focus instead on investing strategies that actually work, instead of chasing after the flavor of the day stuff the business media endlessly hypes. You may get lucky as investor in the case of a Facebook refund, but if you don’t start practicing smart investing, nothing but trouble will eventually follow. For those investors who heeded our warning regarding the Facebook IPO hype, this story doesn’t affect you in the least. I applaud you!

Character Over Charisma Whenever You Want Consistent Results

As we head deeper into this big election year, candidates’ charisma will play a big role in voters’ perceptions. The media tends to gravitate to anyone with a high level of charisma early and often.

Charisma is great for winning elections, what about when the actual job begins? At this point, character much take over. Unfortunately, most politicians lack true character. This fact will become evident fairly quickly after election season.

The same goes for the leaders of many companies. Charisma may have led someone to the top of the corporate ladder, but only character will keep them there. To this point, we’ve have seen great companies lose their way over the years, leaving shareholders frustrated. Consistent results are difficult to achieve without someone with true character at the helm. So be on the lookout for that quality as you continue on your road to building wealth.

Ignore the Daily Scoreboard

Today’s business media would have investors checking their portfolios on a minute-by-minute basis. As a result, many modern market watchers are more like gamblers than real investors. It’s gotten to the point where most people will simply ask “What did the market do today?” to get a gauge on how stocks are trending.

It’s become all too convenient to access your brokerage account and check the status of your holdings. Investors these days have the benefit of smartphones, tablets, laptops, and more — all on the go. We can’t fight the trend of mobile access, but we should certainly pace ourselves. Realize the seeds we plant (in the form of dividend stocks or any other income-producing asset) do not need constant (hourly) monitoring. Instead, our investments are best left to grow without being glued to the barrage of breaking news we now get minute-to-minute from business television. Let us sponge that up for you, so you can focus on your career and other means of producing steady income to fill in your financial foundation.

Our Beat The Markets with Dividend Stocks eBook Has Arrived!

We just debuted our brand new 275-page eBook, exclusively on Dividend.com! In this digital-only book, we look ahead to 2012 and the main factors that could affect dividend investors. A $39.95 value, the eBook is a free download for paid Dividend.com Premium subscribers.

Beat The Markets with Dividend Stocks contains a full economic forecast for 2012, including in-depth analysis on 65 of the biggest dividend stocks out there. It’s a great way to get prepared for your investing next year! So head over to the Dividend.com Premium homepage now to download your copy.

A Look to Next Week and a Weekend Preview

Looking ahead to next week, earnings will be very light as the markets will be closed on Monday, in honor of Memorial Day.

Be sure to catch up with our latest watchlist updates this weekend on Dividend.com Premium, including reports on earnings/story stocks, analyst upgrades/downgrades, dividend ETFs, and much more. And as always, you can view our current recommendations on our industry-leading Best Dividend Stocks List.

Thanks for reading, and I’ll see you this weekend! P.S. Please pass this e-mail on to someone you think can use some financial motivation as well as being kept in the financial news loop that could affect them.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

Barclays maintains an ‘Overweight’ on CVS Caremark (NYSE: CVS) price target of $50.00.

Analyst, Meredith Adler, said, “Earlier this week we hosted CVS’ CFO, Dave Denton and its SVP of Investor Relations, Nancy Christal, in meetings with European investors. Management re-iterated previous guidance that the dispute between Walgreen and Express Scripts would benefit 2Q results by $0.03-$0.04 but that 2H12 guidance includes no benefit, even though they seemed confident that much of the new business would be retained even if the dispute was resolved.”

Alder sees CVS making progress on several fronts, and believes in the company’s management, but she feels the current share price isn’t reflecting the positive outlook.

CVS shares posted small losses in Friday afternoon trading.

The Bottom Line
Shares of CVS Caremark (CVS) have a 1.44% dividend yield, based on last night’s closing stock price of $45.17. The stock has technical support in the $41-$42 price area. Shares are trading near all-time highs.

CVS Caremark Corporation (CVS) is not recommended at this time, holding a Dividend.com DARS™ Rating of 3.3 out of 5 stars.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

The firm maintained its “Overweight” rating on ADP but lowered its price target from $60 to $58. That new target suggests a 9% upside to the stock’s Thursday closing price of $53.15.

A Barclays analyst commented, “ADP’s annual investor day yesterday had a mix of positive and negative takeaways, but the story remains largely unchanged: ADP is doing a strong job with its product portfolio and has solid momentum, but low interest rates will continue to constrain growth for at least one (and likely two) more years.”

Still, the firm lowered its 2013 EPS estimate for ADP from $3.00 to $2.92, and its 2014 estimate from $3.32 to $3.18.

Automatic Data Processing shares posted small losses in afternoon trading Friday.

The Bottom Line
Shares of Automatic Data Processing (ADP) have a 2.97% dividend yield, based on last night’s closing stock price of $53.15. The stock has technical support in the $48-$50 price area. If the shares can firm up, we see overhead resistance around the $56-$57 price levels.

Automatic Data Processing (ADP) is not recommended at this time, holding a Dividend.com DARS™ Rating of 3.4 out of 5 stars.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

The firm maintained its “Neutral” rating on BLK as well as its $200 price target, which suggests a 17% upside to the stock’s Thursday closing price of $170.44.

Sterne Agee raised its earnings estimates for the company, however, in order to reflect the final terms of its buyback and debt offering.

BlackRock shares were mostly flat in Friday morning trading.

The Bottom Line
We recently began recommending shares of Blackrock (BLK) back on May 18, when the stock was trading at $170.44. The company has a 3.52% dividend yield, based on last night’s closing stock price of $170.44.

BlackRock, Inc. (BLK) is a “Recommended” dividend stock, holding a Dividend.com DARS™ Rating of 3.5 out of 5 stars.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

The firm also set a $64 price target on GPC, which suggests a 3% upside to the stock’s Thursday closing price of $61.96.

A Wunderlich analyst commented, “While Genuine Parts coverage is predominantly served by auto components and specialty retail analysts, we intend to provide improved insight toward the ~50% of the business largely underserved by the sell-side. As one of the largest U.S. industrial distributors, Motion Industries (Motion) is a leader in the transmission/fluid power arena, expanding into broadline product categories in recent years primarily through key acquisitions. As an office products wholesaler, the S.P. Richards division represents a key component of the office supply chain with commanding margins in the industry.”

Genuine Parts shares were mostly flat in premarket trading Friday.

The Bottom Line
We have been recommending shares of Genuine Parts (GPC) since Feb.24, when the stock was trading at $62.27. The company has a 3.20% dividend yield, based on last night’s closing stock price of $61.96.

Genuine Parts Company (GPC) is a “Recommended” dividend stock, holding a Dividend.com DARS™ Rating of 3.5 out of 5 stars.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

The firm backed its “Buy” rating and $39 price target on HAS, which suggests a 13% upside to the stock’s Thursday closing price of $34.59.

A Needham analyst commented, “Paramount Studios and Hasbro have decided to move the release date for GI Joe: Retaliation from its June 29, 2012, release date to March 29, 2013. We had modest expectations for revenue, but believe this timing shift moves nearly $50-100mm in revenue from 2012 to 2013. We assume that Hasbro has not incurred costs on the product line that will have to be repeated next year, and that the shift in profits could be $0.08 to $0.16 per share. We are leaving our revenue and earnings estimates unchanged for both years, however, as we believe other products (notably Avengers) are performing better than expected this year, but conversely we are more conservative on the prospects for growth in Boys’ toys next year.”

Hasbro shares were unchanged in premarket trading Friday.

The Bottom Line
We have been recommending shares of Hasbro (HAS) since Feb.3, when the stock was trading at $35.14. The company has a 4.16% dividend yield, based on last night’s closing stock price of $34.59.

Hasbro, Inc. (HAS) is a “Recommended” dividend stock, holding a Dividend.com DARS™ Rating of 3.5 out of 5 stars.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

The firm maintained its “Neutral” rating on TIF but cut its price target from $70 to $64. That new target suggests an 11% upside to the stock’s Thursday closing price of $57.59.

A Goldman analyst commented, “TIF reported a below plan 1Q as original guidance failed to adequately incorporate tough comparisons (particularly in the Americas). The weakness was broad based, with little variation across price strata. Management attributed the softness to constrained spending from financial sector employees, a highly promotional environment, and resistance to entry level product price increases. Tourism at the NYC flagship was flat yoy, with increased Asian tourism offsetting declines from Europe. Given the disappointing start to the year, management lowered FY12 EPS guidance to $3.70-$3.80 from prior $3.95-$4.05. As such, we are lowering our FY12/FY13/FY14 EPS Estimates to $3.75/$4.40/$5.05 from $4.00/$4.65/$5.33 prior.”

Tiffany shares posted small losses in premarket trading Friday.

The Bottom Line
Shares of Tiffany & Co. (TIF) have a 2.22% dividend yield, based on last night’s closing stock price of $57.59. The stock has technical support in the $51-$55 price area. If the shares can firm up, we see overhead resistance around the $62-$65 price levels.

Tiffany & Co. (TIF) is not recommended at this time, holding a Dividend.com DARS™ Rating of 3.3 out of 5 stars.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.

The firm maintained its “Hold” rating on TEVA but lowered its 2012 EPS estimate from $5.59 to $5.34, and its 2013 EPS estimate from $6.01 to $5.70.

A Needham analyst commented, “A quick two weeks post effectively withdrawing 2012 financial guidance, new Teva management emerged with updated near-term financial objectives that while differing only marginally from prior guidance in the aggregate, clearly set a floor under the ‘how bad can it be’ thinking that has hung over shares post 1Q12 results. Given current state of sentiment in the name with shares plunging the depths of oversold territory reached on only four occasions in the past decade, a reflex rally is overdue though key structural overhangs, longer-term opacity on evolution of growth initiatives and revamping of strategic priorities, we find little compelling reason to support a significant fundamental outperformance thesis.”

Teva shares were unchanged in premarket trading Friday.

The Bottom Line
Shares of Teva Pharmaceuticals (TEVA) have a 2.77% dividend yield, based on last night’s closing stock price of $38.69. The stock has technical support in the $35-$36 price area. If the shares can firm up, we see overhead resistance around the $42 price level.

Teva Pharmaceutical Industries Ltd (TEVA)is not recommended at this time, holding a Dividend.com DARS™ Rating of 3.2 out of 5 stars.

Be sure to visit our complete recommended list of the Best Dividend Stocks, as well as a detailed explanation of our ratings system here.