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	<title>Dividend Stocks</title>
	
	<link>http://www.mydividendstocks.com</link>
	<description>Investing In Stocks For The Sake Of Cash Flow</description>
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		<title>Cash Dividends vs Stock Dividends</title>
		<link>http://www.mydividendstocks.com/2013/cash-dividends-vs-stock-dividends/</link>
		<comments>http://www.mydividendstocks.com/2013/cash-dividends-vs-stock-dividends/#comments</comments>
		<pubDate>Wed, 15 May 2013 04:26:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.mydividendstocks.com/?p=381</guid>
		<description><![CDATA[The definition of dividends is basically sharing the wealth of the company with its shareholders. There are two forms of dividends stock and cash. A cash dividend is when a company pays back its shareholders and investors in check, cash or wire transfer. The company gives its shareholders and investor’s actual cash instead of filtering the money back into is operating funds. The main disadvantage to cash dividends is that it causes the value or price of the company to drop by the exact same amount it gave to its shareholders and investors. For example, say  a company would give cash dividends equal to approximately 10% of the price of its stock, investors and shareholders would see their stocks drop by the same amount. This is due to the economic transfer. However, cash dividends can be very beneficial in that they can provide a source of income to shareholders and investors in addition to capital appreciation. Stock dividends are the actual increase in the number of shares within a company with the newer shares actually being given to its shareholders. For example, say a company were to actually issue a stock dividend of say 10% it would also increase its shares by the same amount at the rate of 1 share for every 20 that are owned. So if a company had 200,000 shares the stock dividends would be 100,000 shares. So if you owned 200 shares in a company you would receive 20 additional shares. However as with cash dividends this would not increase the actual value of the company. If the value was $20 a share the company’s value would be worth $20 million. After stock dividends the company value would be the same. Stock dividends are by choice. Shareholders can keep their stocks and hope they aren’t paid out via cash dividends or they could sell their extra shares creating their own cash dividends. Another big advantage of stock dividends is that shareholders normally don’t have to pay taxes on their dividends. However, taxes always need to be paid on stock dividends even if they are kept and used as cash. Many people feel that stock dividends are better than cash dividends as long as the option for cash is not available. Cash dividends are not a bad thing there just aren’t any choices available. Shareholders and investors can still use any proceeds from cash dividends and put it back into the company via a dividend reinvestment plan. Both types of dividends are great choices and it mostly depends on the choices each shareholder makes. It also depends on what each shareholder wants from the company they have shares in. if they are just looking for an investment and a reliable sources of month income then the choice is cash dividends. If the shareholder wants to actually invest in the company then choosing stock dividends is the best option. Stock dividends are also a good option for those that prefer selling extra stocks at the right price [...]]]></description>
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		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Applying skill and experience to turn quick profits</title>
		<link>http://www.mydividendstocks.com/2013/applying-skill-and-experience-to-turn-quick-profits/</link>
		<comments>http://www.mydividendstocks.com/2013/applying-skill-and-experience-to-turn-quick-profits/#comments</comments>
		<pubDate>Thu, 02 May 2013 03:46:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.mydividendstocks.com/?p=379</guid>
		<description><![CDATA[With the economy the way it is today, everyone is looking for ways they can make a little extra money to pay for bills, groceries, or just have something to fall back on in case things get worse. While there are many ways you can go about creating some extra income, the best way is to rely on your own skills and experience to turn quick profits. If you try to go out of your comfort zone and attempt something you’ve never done before, you’re going to spend a lot of time (and possibly money) to learn about that market, business, or service before you can really make any money from it. If you use your background and current knowledge, expertise, and skillset, though, you can often find yourself making a lot of quick cash easier than you thought possible. One example is reselling products. If you know a lot about cars and see one listed in the local paper for a lot less than it’s worth, buying it and putting it back on the market for a higher price can be a quick way to make money simply off your knowledge. Of course buying and reselling cars takes a bit of start-up capital and you might have to resort to obtaining a business loan from a site like wongaforbusiness.com to get it off the ground, but the same principle can be applied to other, cheaper, items as well without the inherent risks involved with taking out loans. If you’re a computer guy, going to local recycling places and computer shops you can probably pick up old used desktops and laptops for $50 or less. You might have to install an operating system on them but you can then list a “basic laptop perfect for Farmville and email” on craigslist for $100 &#8211; doubling what you spent on the machine and putting a hefty profit into your pocket with minimal work. Even if you can’t use your knowledge or expertise to find an item that can be sold at a higher price, perhaps you can use what you know to create a small book or guide that can be sold online. If you have been a farmer all your life and you know how to build chicken houses, drawing up blueprints and writing a short guide on how to properly care for your animals could be very interesting and worth purchasing for someone from the city that has moved into a rural community and wants to raise chickens.]]></description>
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		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Use Fast Cash Methods for ‘Needs’ Not ‘Wants’</title>
		<link>http://www.mydividendstocks.com/2013/use-fast-cash-methods-for-needs-not-wants/</link>
		<comments>http://www.mydividendstocks.com/2013/use-fast-cash-methods-for-needs-not-wants/#comments</comments>
		<pubDate>Thu, 02 May 2013 03:43:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.mydividendstocks.com/?p=378</guid>
		<description><![CDATA[A good way to consider good financial health is to have enough money to meet our basic needs and live a comfortable life. However, as humans, we have material desires and we want that extra dough to fulfil those wants. Be it the next fancy gadget or a fast sports car. We all have a list of things we want. There is no harm in having wants because at some level it acts as a motivation to work extra hard and make extra money. In the real world, many of us go through phases where we may be in need of some fast cash to deal with a financial implication that directly impacts on one of our ‘needs’. This is where the ability to loan money comes in handy because the instant delivery of the extra resources  can mean the difference between having a roof over our head or not in an extreme case. However, one needs to tread with extreme caution while dealing with fast cash methods. For example, if you are availing a fast cash loan to pay for your house rent as mentioned above that is considered a definite &#8216;need&#8217;. &#8216;Fast cash&#8217;, as the name implies is easy to get in most cases and this is where it can be troublesome as well. It becomes a problem when we start thinking of fast cash as a means to fulfil our impulsive ‘wants’. Consider a scenario where you have been saving up some money to buy the next iPhone but are still short of cash. You don’t need it because your current phone works just fine but you want it because you love gadgets and you&#8217;ve been conditioned to want the best and brightest as soon as you can possibly get it. This is a terrible reason to consider loaning money, the real danger comes from people who have taken a fast cash loan before, they&#8217;re used to the process and thus may be more inclined to consider getting another loan to supplement their frivolous purchase, the use of the loan becomes a crutch of cash advancement to get what they want that much quicker. We need a return to the virtues of patience and saving! It is no surprise that the convenience of the fast cash loan comes with certain challenges of its own. One of the biggest being the brutal interest charge. So, if you are using fast cash methods to pay for your wants you&#8217;re in trouble. Financial vehicles like this are there for a reason and have their benefits but if you abuse them, and become dependant on them as part of your regular budgeting, they can put you in a horrible financial mess and can often snowball out of your control very quickly. So, next time you are considering the easy route of fast cash, ask yourself the exact reason why you need it. If it is serving your fundamental needs then there is a legitimate justification. If you do decide you have [...]]]></description>
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		<slash:comments>12</slash:comments>
		</item>
		<item>
		<title>Life Insurance for the Terminally Ill: Can it Be Obtained?</title>
		<link>http://www.mydividendstocks.com/2013/life-insurance-for-the-terminally-ill-can-it-be-obtained/</link>
		<comments>http://www.mydividendstocks.com/2013/life-insurance-for-the-terminally-ill-can-it-be-obtained/#comments</comments>
		<pubDate>Wed, 01 May 2013 04:35:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.mydividendstocks.com/?p=377</guid>
		<description><![CDATA[Receiving the news that you, or a loved one, has been diagnosed as “terminally ill” with a short life expectancy remaining deals a blow that is emotionally devastating. Furthermore, it can be financially devastating, especially if you or your loved one doesn’t currently possess the life insurance that would secure other loved ones when the time comes. Unfortunately, traditional forms of life insurance, with typical month-to-month premiums, isn’t going to be available, but that doesn’t mean that there aren’t other options; it isn’t hopeless. Find a Specialized Insurance Agent First things first—find an insurance agent who specializes in terminally ill cases and thoroughly vet them! The importance of this can’t be stressed enough; crooked agents will take advantage of these sensitive situations, so it’s important to thoroughly vet both the agency and the agent you’re working with. Read all of the fine print and do not sign anything without cross-checking all matters with both a lawyer and the issuing agency. You can find out more at Suncorp Life Insurance Cover. Once you have an agent that you can trust, let them outline all of your options and thoroughly explain them to you in detail. Life Insurance Options to Consider Graded Whole Term Policy—Some insurance companies offer “graded policies” which are essentially whole terms policies with a few conditions attached. A predetermined amount of time will be attached to the policy (typically 2 years) and if you die within that period of time, your beneficiary will receive only a percentage of the death benefits, plus the premiums already paid. If you die after the predetermined time period, the beneficiary will receive full death benefits. Furthermore, these policies will sometimes have a cap on the amount of coverage they’ll provide, which is determined by the amount of time the insured has left to live. Limited Payment Life Insurance—In this case, premiums are very expensive as they’re compensating for a shorter amount of time that payments will be made. Usually, it is established in advance the number of months payments can be expected and the rest of the policy is determined around this number. &#160; Single Premium Policy—For those able to make a substantial single premium payment, this is an option to consider. Rates and stipulations vary from insurance company to insurance company, but typically you can expect to pay a lump sum of $20,000 for every $100,000 you want in coverage, with some time period provisions attached. Follow this link to read more. &#160; Mortgage Life Insurance Policy—If your primary concern is that your loved ones not be left with a hefty mortgage payment, then this policy might be of interest. In this case, the beneficiary isn’t your loved ones, but the bank; which will be paid the full amount of mortgage upon your death. &#160; Employment-Based Life Insurance—It’s always a good idea to contact your employer to see what kind of insurance they might offer in this situation. In most cases, a physical won’t be required, but your beneficiary won’t receive [...]]]></description>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>The Importance of a Proper Investment Plan</title>
		<link>http://www.mydividendstocks.com/2013/the-importance-of-a-proper-investment-plan/</link>
		<comments>http://www.mydividendstocks.com/2013/the-importance-of-a-proper-investment-plan/#comments</comments>
		<pubDate>Thu, 25 Apr 2013 04:02:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General Investing]]></category>

		<guid isPermaLink="false">http://www.mydividendstocks.com/?p=373</guid>
		<description><![CDATA[People that are the do it yourself types of investors inevitably fail in the long run. Actually most investor’s fail to a certain percent in the market. Investors that have a made many successful trades all have one thing in common. A proven strategy plan. It’s not enough just to set up an investment plan in order to succeed. You must also be very disciplined. You are the one that controls your successful investments not the market. Keep It Simple As the saying goes death and taxes are the only guarantees in life. However, a successful investment strategy is also key. Most investors dislike the term “trader”. It’s not in their nature to trade their investments. Then there are investors that when they hold a trade for 12 hours or longer as a successful trade. There are no right answers or wrong answers when it comes to trading and investments. Every trade and investment is as unique as the individual placing them before you make a trade or investment your strategy must be rock solid and always be honest with yourself when making investments or trades. Always establish simple rules that are easy to follow. Try them out in a few trades or investments to ensure you have developed a successful game plan never make rules that are so complicated that to follow them is confusing. This is a game plan for failure. The Rules To A Successful Strategy Plan There are many companies dedicated to helping do it yourself investors develop strategies that will result in successful trades and investments. The backbone to any given investment strategy is research and planning however most investors give this part the least amount of time. Of course planning is never as much fun as trading. 1. The first tip is to allocate assets or determining how much to buy of a stock. 2. Risk Management or Exit Strategy in other words when should you exit your stock or hedge your portfolio. 3. Selecting a stock or what stocks to choose for your portfolio. 4. When to buy a stock or Entry Strategy. Position Sizing Poor position sizing is the main reason why most investors are not successful. This means that they make poor selections in stocks which results in unsuccessful trades. This often results in their portfolios falling apart and is virtually impossible to recover from. When you have a diversified portfolio a bad trade in one category will not affect the rest of your portfolio A Few Simple Rules for Your Plan The basic rule of thumb is to never have a large position or sizing as this often results in many portfolios to implode especially those without any diversification. Exit Strategy Develop a strategy to know when to trade your stocks. Study your stocks carefully and watch the market to know the best time to sell or trade. Entry Strategy Develop a strategy to know when to buy a stock. Watch the market carefully and follow the trends to know [...]]]></description>
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		<slash:comments>9</slash:comments>
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