#how to reinvest dividends

[wise-life]

40 Frequently Asked Questions About Fidelity Magellan Fund (FMAGX)

Investing in mutual funds can seem overwhelming, especially with so many options available. One fund that consistently piques interest is the Fidelity Magellan Fund (FMAGX). Known for its strong performance and experienced management team, FMAGX often draws the attention of both new and seasoned investors. In this blog post, we will address 50 frequently asked questions about FMAGX to help you…

[goodhorse413]

In Tale of Two Pegasi, I said:

Socializing capital is much harder. Capital income is not rent. Paying land income does not incentivize the creation of more land, but paying capital income does incentivize the creation of more capital. [...] It’s clear that capital differs from land in an important way. If you tax land income at a rate of 100%, the amount of land in the world will remain the same. If you tax capital income at a rate of 100%, society would soon find itself with much less capital. Land cannot be created, so giving money to its owners does not incentivize the creation of new land. Giving money to owners of capital and labor, however, does incentivize the creation of new capital and labor. So the solution for land does not work as a solution for capital. There must be an incentive to invest money into profitable firms rather than spending it on consumption. The task for the wannabe socialist then, is to find a way to create a more equal distribution of capital ownership while preserving this incentive.”

I mention one of the simplest and oldest solutions to the problem of the distribution of capital ownership: worker co-operatives. After investigating the literature on co-operatives, I don’t think they serve as a sufficient solution. Here’s why:

A co-operative is an enterprise where the workers and the owners are the same people. Each individual contributes their labor-power to the firm, as well as an equal share of the firm’s capital. Capital income is thus distributed evenly across the firm’s members, rather than accruing to distant capitalists. Let’s assume the following co-operative into existence: one with one hundred employees and ten million dollars worth of capital. Each employee provides 50,000 dollars worth of labor a year, and owns a share of the company equal to 100,000 dollars, paying some yearly dividend, which the firm votes on whether to reinvest or to distribute as income.

If the firm is considering hiring a new worker, a dilemma suddenly arises: Where does the new worker’s share come from? If the firm chooses the first horn of the dilemma, it gives the new worker an equal share of the firm’s capital, meaning that now each of the 101 employees has a share worth 99,009.90. Each employee lost a thousand dollars in order to hire this new employee. So the firm is incentivized not to hire new workers, even if it would increase the total revenue of the firm, because it would dilute the capital share of each pre-existing member of the co-operative. This is not a problem of democracy mind you. The issue is that the workers are required to give away something valuable for free. It’s the same issue as taxing capital income at 100%. Capital is not being priced, so it’s not being allocated effectively. Its owner can only ever either give it away for free, or keep it for themselves, so they will always do the latter unless taken by a fit of altruism. Jaroslav Vanek is pretty confident that this “never-employ force” was responsible for the chronic extremely high unemployment rate in Yugoslavia, which had an economy consisting of worker co-operatives. I think he is probably right.

The second horn of the dilemma is if the co-operative tries to price capital, and says, fine, we’re not giving away capital for free. From now on, new members must buy their share of capital. This is how Mondragon, the largest and most successful co-operative in the world, operates. Here is how the system is described in “Making Mondragon”:

 Neither members nor outsiders own stock in any Mondragon cooperative. Rather a cooperative is financed by members’ contributions and entry fees at level specified by the governing council [elected management board] and approved by the members. It is as if members are lending money to the firm. Each member thereby has a capital account with the firm in his or her name. Members’ shares of profits are put into their accounts each year, and interest on their capital accounts is paid to the members semi-annually in cash. […] Members share in the remaining profits in proportion to hours worked and pay level. […] From 1966 to the present, all shares in profits have gone into members’ capital accounts. […] Those unfamiliar with accounting terminology might assume that a member’s capital account consists of money deposited for the member in a savings bank or credit union […]. On the contrary, capital accounts involve paper transactions between the members and the firm. Real money is, of course, involved because management is obligated to manage the cooperative with sufficient skill and prudence so that the firm can meet its financial obligations to members if they leave the firm or retire. In practice, however, the financial contributions of members are not segregated from other funds but are used for general business expenses.

A similar system is in place in most other successful co-operatives. In the worker-owned pickle company Real Pickles, each employee has to buy a whopping 6,000 dollar membership share to join the co-operative. The problems with this horn are obvious. It’s no surprise that this system of corporate governance has not seen much success. Most unemployed people looking for work don’t have 6,000 dollars to spend. And the ones that do would be much wiser to invest that money in a different firm, to reduce risk. Worse still, the member-owner cannot sell their share until after they leave the company. They can’t just sell it on a secondary market and use the money gained for consumption like any other stockholder can. The second horn, if scaled up to a whole economy, would be nothing more than just capitalism again, except people are forbidden from buying shares in any company unless they work for said company, in which case buying a share is now mandatory. There is no benefit to this system whatsoever to anybody.

Except for this: management in worker co-operatives is elected by the workers, rather than by shareholders, meaning that the firm is run in the interest of the workers rather than the capitalists. In the spherical cow textbook economic model, this shouldn’t make any difference at all, because in the spherical cow world labor and capital are on entirely equal footing. In the real world however, the capitalists hold an enormous amount of market power that the workers don’t have. It's very easy to switch investments if you don’t like the returns a firm is giving you. It’s much harder to switch jobs when you don’t like how your boss is treating you. Selling labor has much much higher transaction costs. There is clearly an enormous advantage in providing management rights to those who provide labor to the firm rather than those who provide capital, even as a social-democratic reform in a capitalist society. The capital market could look the same as it does now, except all shares of companies would be non-controlling shares. This would accomplish the same things unions accomplish, but more elegantly. The workers would no longer even need to bargain for better conditions and pay. They could make the decision themselves, democratically, if doing so was in their interest. Also, economic profit and schumpeterian rents exist, and in a labor managed firm those rents would go to the workers, which is Good For Utility. This wouldn’t be socialism, but I think it would be an improvement over the current state of things.

[phoenixyfriend]

Ko-Fi prompt from @kayasurin:

Just rant about the stock market, whatever you want to say about it!

'just rant' is such a prompt for uhhhh my distaste.

LEGALLY NECESSARY DISCLAIMER: I am not a licensed financial advisor, and it is illegal for me to advise anyone on investment in securities like stocks. My commentary here is merely opinion, not financial advice, and I urge you to not make any decisions with regards to securities investments based on my opinions, or without consulting a licensed advisor.

So here are a few things:

1. Stocks are unreliable.

For the layperson, there is nothing that can be done about the direction a stock takes. Unless you are a majority shareholder, or one of several who can work in concert, you cannot affect the direction a company takes, which means you cannot affect the decisions that might cause a stock to increase or decrease in value. This is a rich man's game. The average investor is just along for the ride, god help them.

Between Random Walk Theory, the dart-throwing monkeys study, and the fact that mutual funds do not beat the market, there is just... it's a crapshoot. Anyone who tells you to invest to make a lot of money is drinking the Kool-Aid. You can invest to make a small return, to keep your money in a lot of places in case your bank gets digitally robbed or whatever your worries might be, diversification is good for safety nets, but for pity's sake, don't expect to become a millionaire, and be aware you can lose a lot, even listening to experts.

2. Stocks can be manipulated, and it's ridiculous and stupid and fucks over perfectly normal companies

Do you remember the GameStop reddit thing? I do. If you don't, please take a quick look at this record of the GameStop stock price.

See that spike in 2021? That was Reddit.

This post did a great job explaining it, but you told me to rant, and so I shall.

A large investment company had decided to make a lot of money for their clients by destroying GameStop. They did this by selling more shares than they actually owned (more than actually existed), force the market to absolutely tank the price, with plans to "buy back" the stock once it was dirt cheap, thereby making a profit for their company. This is a common form of stock manipulation called shortstelling, and investors had been doing it to GameStop for years, without the general public noticing.

Except Reddit did notice. And they decided to Fuck It Up, buying up stock at higher and higher prices, forcing the stock price to skyrocket, and the mutual/hedge funds still had to buy them back, but now it was at a massive loss, and it made headlines across the country because of how incredibly ridiculous it was.

The things to note here is that the market can be manipulated without any regard to the actual profits or health of the company, and that attempts to do so can backfire spectacularly.

3. Returns are minimal

There are two ways to earn money on stocks. The first is returns on capital investment; you buy the share at $10, sell it for $20, and you've thus received $10 profit. This is part of the incredibly unreliable bit I mentioned, because you cannot control the direction the stock takes, and generally can't predict it.

The other way is dividends, which like... profits made over the previous quarter (after paying employees, bank loans, rents, etc.) can be either reinvested to grow the company, or paid out to shareholders. But if you invest $150 in a single share of Walmart stock, your quarterly dividend is $2.25, which is $11/yr.

So unless you're investing hundreds of thousands of dollars, or get really lucky with what you choose to invest in, dividends aren't going to get you much of anything.

And when your stocks do give you healthy dividends, it's because there's money left for shareholders! Which, if you remember a few lines back, is left over after paying employees.

If an investor wants a return on their investment, and they can vote to change policy, and policy that pays employees dictates that they get a smaller dividend, do you think that the investors are going to vote to pay their employees fairly?

Yeah, didn't think so.

4. Rapid, Consumptive Growth

There was a really good post recently that described how and why the Chicago School of Economics, colloquially Reaganomics, has completely fucked over the entire US economy by encouraging the absolute worst state for the market to be in, which is seeking eternal parasitic growth. I urge you to read that one if you can, because the bloggers did a good job. Basically, screw Reagan and screw the Chicago school. The economy still would have been a capitalist hellscape without them, but they sure did hasten it!

(Prompt me on ko-fi!)

[sourcreammachine]

i love how the self-titled Effective Altruists and cuntbags like musk believe that the “demographic crisis” of the 21st century is like a massive insane problem that we need to solve by farting out babies 24/7, as they said in that recent Kurzgesagt propaganda video they produced

it is capitalism that’s the problem, again. growth for the sake of growth is the ideology of a cancer cell. we ‘grow’ when we produce more, and our investments are based around potential growths rather than what is needed - so when alleged ‘potential’ can’t materialise, the economy collapses

we will be able to produce less when there will be less workers. future spacex neuralink hyperloop tech might soften the blow but won’t be able to change that fact

this is coming towards capitalism like a high-speed train. most executives are essentially wagies visàvis their positions as gods of the world, so systemically cannot respond to a problem more than twenty years ahead of time. but oligarchs like musk and formerly bankman-fried, with their oligarchic status seemingly made permanent (lol), become weird nutters who’ve given themselves messiah complexes about “solving” it. we must increase production always at all costs, so we must increase babies at all costs

growth for the sake of growth is the ideology of a cancer cell. the economy is going to shrink and we must not let this cause a world-eating depression under capitalism. we have to accept that we’re peaking, stop investing resources into growth and start investing resources into efficiency, systemic resilience, and services, and drop dead-weight unsustainable overproduction that’s killing the planet. stop even trying to grow the economy during a period of global decline - the global Very Long Boom and global Baby Boom gave a economic dividend that must be repaid

socialistic economics, redistribution, and economic democracy can let this pressure. we have to do managed decline, work towards working better with less workers and less labour, and support untold masses of pensioners. capitalism simply cannot do this. if under capitalism the economy was recessing massively, but don’t worry, in many years the ageing recession will cease and growth should resume with stability - investment simply will not go towards what is needed to improve life under the status quo and will be hedged until growth resumes, and so nothing good will ever come

that’s why the so-called “effective altruists” and muskists are so bothered about preventing what they see as demographic collapse - should it occur it’ll wreak a huge economic recession, be it slow or as a crash, and lead to a world of impoverished pensioners starving on the street. so their solution is babies at all costs, when instead we could have a world where a period of managed decline spurs reinvestment in what we have, a silver age of planet earth, a global new deal beyond measure. and when the massive wave of pensioners dies, we will have good services and sustainable economics, and enriched communities with fruitful childhoods and good educations, and yeah, we can use our growth potential to not just prevent environmental destruction (capitalism’ll’ve already triggered a lot) but do our level headed best to fix it, become the stewards of Earth that we’re abdicating ourselves as, and fuck it, have enough money to reshape the world into a happy and good place to live a life

but capitalism cannot do that. because capitalism cannot accept decline. because capitalism must have growth at any costs, and will continue to beat the dead horse until the skies darken with soot and until the baby boomers who built the longest boom are left to rot without care or food and their children are enslaved to keep the fires burning. and to bring back the boom times, it must be babies at any cost

footnote: this was mostly about economics but there’s one more angle that would’ve made a bit of a tangent. musk’s side of the coin has a massive, massive misogynistic basis. musk, the individual, is famously a total creep. people with breeding kinks can breathe a sigh of relief because he is not one of you - his is a breeding perversion. he has an obsession with creating as many of his own children as possible and subscribes to the belief that a Man’s worth can be measured with his spawn. and so many of his ilk believe the same. this is how he can have child after child despite obviously not caring for them and doing his duty as a parent - parenting ten children should basically be a full time job. it takes a village: this is a village. and i don’t mean to point fingers, but with his first wife he had a set of twins via ivf and then a set of triplets via ivf, and many more children later, including after the birth of the human person he calls “X Æ A-Xii”, he had a second child with Grimes via surrogacy. this worldview undoubtedly affects his everyday misogyny and transphobia - women’s utility is as utility, trans men do iRrEvErSiBlE dAmAgE to their mere utility, and trans women go against womanhood due to having no utility. he abandoned his own fucking daughter for being trans. creepy, disgusting, indefensible - and this man is one of the gods of our world, enacting his poisonous worldview without oversight

and ragging on cunts like musk isn’t letting the ““effective altruists”” off the hook. their circles, as organisations or just general society, has an oft-reported massive sexism problem. multiple EA members have been accused of creating a toxic atmosphere hostile to women, of sexual misconduct, and of grooming with intention to form poly relationships. an ideology of reducing humans to utility, of stressing population growth, and of getting ants in your pants about demographic crisis does not combine well with latent misogyny and the patriarchal, male near-exclusive echelons of capitalism

[republicansaredomesticterrorists]

If Ukraine falls then Putin will advance on our Western European NATO allies and there will be a much larger war involving us. The relatively small amount we send to Ukraine pays enormous dividends in weakening our primary geopolitical rival. Ukraine aid is a fraction of what the wars in Iraq and Afghanistan cost and Biden ended those forever wars and saved us a ton of money that has been reinvested into the economy and infrastructure.

[exitrowiron]

Investing 101

Part 1 of ?

A Tumblr mutual has asked me to explain brokers and stocks; I'm not an investing expert but I will share what I know (or what I think I know). The investing subreddit is a great source for those who really want to know the details.

What are stocks? When you buy a company's stock you own a small portion of the company. If a company has issued 100 shares and you purchase 1 share, you own 1/100th of the company. Most companies start out as private enterprises (i.e. owned by one of more individuals) and if the company is successful it may want to sell shares (i.e. go public). Going public is a major milestone in the life of a company. The process of issuing shares, quarterly reports, etc. is highly regulated by the SEC and requires audits, the creation of a board of directors and regular financial reporting, all in an effort to protect investors. In light of this expense, it's fair to wonder why an owner would want to go through the hassle of going public and giving up control of some (or all) of their company.

Going public (i.e. selling shares/stock) is a way of generating capital for the company. Perhaps a company needs an infusion of cash to build a new factory or expand to a new market... new stock issuances often include statements from the company about how it intends to use the proceeds. Issuing public shares is also a way to reward owners and key employees by giving them a way to get cash out of the business. Imagine you started a business 20 years ago and always funneled the company's earnings back into the business to help it grow. You may have a valuable business, but you have all your eggs in that basket and don't have cash to invest in other ways, buy a yacht etc. Likewise, you may have promised key employees partial ownership of the business, this is a way for them to cash-in also.

Regardless of the motivation, companies issuing stocks can choose to sell partial or full ownership of the company. Successful entrepreneurs often choose to retain majority ownership in the business - shareholders may collectively only own 40% of the business, for example, and have the right to elect 2 of 5 directors to the board. This kind of strategy allows the founder to have his cake and eat it too (i.e. cash-out some of the value of the business while still retaining control). A company can also sell various types of shares, each with different benefits. For example, a company may sell Preferred Shares, which are guaranteed to receive a dividend before other shares. Or the company may issue voting and non-voting shares (this is another way for a founder to retain control). Most retail investors (individuals like you and me), purchase Common Shares which have voting rights and are eligible for dividends.

What is a dividend? If you own a part of a company, it is reasonable to expect that you receive your proportionate share of the earnings right? The distribution of a company's earnings to shareholders is called a dividend. Companies may distribute dividends quarterly, annually or in the case of start-up or fast growing companies, not at all. Netflix for example, which had $8.19B in revenue and $1.49B in earnings in 2022 HAS NEVER PAID A DIVIDEND. Likewise, TESLA has never paid a dividend.

Why would anyone want to own shares in companies which don't pay dividends? It isn't at all uncommon for early stage and/or high growth companies to not pay dividends. The thinking is that the growth prospects for the company are so attractive, the money is best spent by reinvesting in the business. Of course there's an expectation that at some point in the future the business will mature and begin paying dividends. This is what happened with Microsoft and Apple for example. As long as the company continues to show accelerating growth, investors will overlook the lack the dividends, betting that the overall value of the company (and intrinsic value of the shares) will grow as well. Again, Netflix and Tesla are good examples of that.

This leads to the conclusion that there are two ways to make money from stocks - dividends and increases in the share price. I may not be concerned if I own a stock with a share price which has been stuck at $100 for the last 5 years if that company is paying me a $10 dividend every year. I'm still earning a 10% return on that investment. Conversely, I may be equally happy owning a stock which has never paid a dividend but is now worth $150 dollars versus my original purchase price of $100.

Stocks whose value is primarily derived from their reliability for generating dividends are called Value stocks. Stocks whose value is primarily derived from the growth of the stock price are called Growth stocks - Netflix and Tesla are examples of Growth stocks; Microsoft and Ford are examples of Value stocks. Admittedly this can be confusing; I remember our first broker asking if we were Value or Growth investors. It seems like a silly question; can't we have both? In truth, older investors like me tend to be Value investors... we like the reliability (and cash flow) of stable companies that declare dividends every quarter. Growth stocks can be exciting, but the stock prices can be volatile and older investors have little tolerance for volatility. Value stocks tend to be stable companies in stable industries. Growth companies are all about the future; there is an opportunity for much greater rewards, but that comes with more risk. Over a longer investing horizon (>10 years), a broad portfolio Growth stocks will likely outperform an equally broad portfolio of Value stocks. Old people don't have a long investing horizon, but young people do and each group's investment portfolio should be biased accordingly.

Next Post - how to buy stocks.

[beardedmrbean]

The recent amendments to the rules for obtaining a driver's license in Bulgaria have sparked mixed reactions among the public. According to new regulations published on September 10 in the State Gazette, which will take effect on December 10, 2024, prospective drivers will be allowed a maximum of four attempts at both the theoretical and practical tests.

Seven organizations involved in driver training have expressed strong opposition to the proposed changes, particularly concerning the introduction of electronic driving hour cards and limits on practical test attempts. Trendafil Marinov, the chairman of the Bulgarian Driving Instructor Union, confirmed plans for a protest scheduled for tomorrow, September 25.

Marinov voiced concerns during an interview with BNR, arguing that the new regulations do not align with existing educational standards. He criticized the push towards digitalization, labeling it "complete ambiguity" and questioning how the proposed changes would improve road safety.

He highlighted the additional financial burdens the new requirements would impose on driving schools, noting that each training vehicle would need to be equipped with specific devices that maintain a permanent Internet connection, necessitating contracts with mobile service providers.

Currently, the Automotive Administration employs inspectors who can effectively verify the validity of paper driving cards on the road, according to Marinov. He pointed out that these cards include essential identification information and photographs.

Additionally, Marinov raised issues regarding the limited number of examiners available to provide practical driving tests, leading to potentially long waiting periods. He questioned the rationale behind limiting attempts to four and the six-month timeframe for testing, calling for a collaborative working group with industry representatives to address these concerns.

Concerns about potential corruption have also emerged, with Marinov asking why a single company should develop the required software instead of promoting competition through multiple software solutions.

The protest is set to take place in front of the presidency, with activities planned from 1:30 p.m. to 4:00 p.m.

Krasimir Georgiev, manager of the Association for the Qualification of Motorists in Bulgaria, offered a contrasting perspective during a discussion on the national radio. He argued that the new regulations will effectively eliminate corrupt practices, which he claims opponents are afraid of.

Georgiev emphasized that the exam should serve as a test to assess knowledge gained during training, rather than as part of the training itself. He suggested that driving schools fearing the new requirement of four exams within six months indicate they are not adequately preparing their students.

He noted that after years of stagnation, reform is finally underway. "If the existing requirements were followed, there wouldn’t be so many driving schools. Many only had a classroom to obtain permits, while their actual operation occurred in their cars, which often served as family vehicles."

He further explained the prevalent practice of maintaining two sets of training cards: one for the instructor and student, and another that reflects the full 30 hours of required instruction, often fabricated to satisfy inspections by the traffic police.

Georgiev dismissed concerns regarding the financial burdens that driving schools would face, arguing that they often do not invest or reinvest profits, and are unfamiliar with tax concepts such as "Profit" or "Dividends."

He also mentioned that some civil servants work as driving instructors, asserting that there are sufficient examiners available.

Georgiev announced plans for a procession to support the reforms, scheduled from 11 a.m. to 1 p.m. at Alexander Battenberg Square. He noted that over 12 NGOs focused on road safety are backing the rally, which will culminate in a declaration supporting the reforms to the Ministry of Transport leadership.

[novagad]

Invest your way, commission-free

We teach people how to trade stocks and options in order to supplement their income.

Build your own portfolio with thousands of stocks, ETFs, and options — all on our powerful, yet easy-to-use trading platform.

Automation for smarter investing

Recurring investments

Auto-buy your favourite stocks and ETFs. You choose the schedule and set the investment amount. We handle the rest.

Dividend reinvestment

Keep growing your wealth by reinvesting100% of your dividend earnings — all with zero commissions.

Auto-investing

Have a portion of your paycheque automatically added to your investing account, or into specific stocks and ETFs.

Self-directed trading that earns you more

Low fees, more value

The more assets you have with us, the better your perks. Pay lower option trading and FX fees as a Premium or Generation client.

Fast and flexible

Start trading on your terms and your timeline. With instant transfers and extended trading hours, you’ll always be ready for any market moment.

Everything you need to trade

Buy and sell all common stocks, ETFs, and options on mobile or on web, with multiple different accounts to choose from to help reach your financial goals.

[realcleverissues]

If you’re into UBI, you need to support Housing

I love the idea of a UBI. However, until we have enough housing, any additional money everyone starts getting will just go to increased housing costs. I.e. property values will go up, as will rent, moving that UBI income from the lower class to homeowners and landlords, while not improving the housing situation or life for most people. This is clearly not what we want to accomplish with a UBI.

We need to first build housing and then implement a UBI. (I imagine housing that is owned and run by local gov’ts or non-profit organizations, like housing authorities.) And considering the cost of a UBI, this is very feasible.

Let’s imagine a very modest UBI of $100/mo = $1,200/yr. There are around 260 million americans over 18. If everyone got a UBI, that’d be over $260B/yr. If we estimate housing construction costs of $260k/unit (just for convenience; the actual costs average only $200k), we can afford to build 1 Million apartments each year. 

Estimates vary of how many homes are needed to satisfy housing demand in the US, with estimates varying between 3 to 8 million homes. Let’s round up to 10 million.

It would take just 10 years of our UBI setup to completely transform the housing crisis. That’s not a long time. And this was using very conservative figures. If we imagine a UBI of $1,000/mo (which many do), we could pay for all the housing from a single year’s budget!

And what do we get in return? Primarily, two major results:

a. People are housed: People have adequate housing; slow the progression of people into homelessness (caused by housing prices); improve rate of getting people out of homelessness. (And, ideally, guarantee housing for everyone.) Additionally, the price of housing will go down for everyone, benefiting the lower class tremendously. (Some economists have estimated that the price of housing in some places could come down as much as 10% with adequate housing supply. Imagine saving 10% on your rent!) (It could potentially reduce the value of homes to some extent, which current property owners will not like, but I don’t think people are entitled to push for housing scarcity so that they can profit off it. Additionally, some studies show that things like changing exclusionary zoning can *increase* property values due to the fact that the same plot of land can now house more people.)

b. Money then put into a UBI is not swallowed by the upper class. The value of the money is more evenly enjoyed by all. Not to mention the savings from reduced housing costs (which could easily be $100/mo in savings). In other words, people will have more money, and the UBI becomes more effective. 

It’s also worth noting that the investment into housing construction will actually pay for itself, as renters pay for use of the homes. Unlike a UBI, this investment produces dividends. Those funds can be reinvested in housing, other community needs, or used to help fund the UBI.

There is a lot of exploitation that happens in our capitalist system, but housing is by far the worst since it effects everyone (i.e. everyone needs a home) and is likely the most expensive part of everyone’s expenses, with many people seeing a third or more of their income going to this one expense, every month, till they’re dead.) We must fix housing first. We must plug the hole in the ship before we can expect to move it forward with any efficiency. If you believe in a UBI, and understand the costs of it are worthwhile, then you need to also be advocating for a massive program to address the housing crisis.

[investmentorsec]

Everything you should know about Dividend Investing

Dividend investing is a strategy where investors purchase shares of companies with a history of paying dividends to their shareholders. A dividend is a portion of a company's earnings that is distributed to its shareholders, typically on a regular basis, often quarterly. These payments provide investors with a steady stream of income, making it an attractive option for those looking to supplement their earnings.

Benefits of Dividend Investing:

1. Steady Income: Dividend investing offers a consistent source of income, which can be especially appealing for retirees or anyone seeking financial stability.

2. Compound Growth: Reinvesting dividends can supercharge your returns through the power of compounding, allowing you to grow your wealth over time.

3. Risk Mitigation: Dividend-paying companies tend to be more stable and mature, reducing the volatility in your portfolio.

4. Inflation Hedge: Dividends often increase over time, helping you keep pace with inflation and maintain your purchasing power.

How to Start Dividend Investing:

1. Research: Begin by researching companies with a history of consistent dividend payments. Look for established, financially stable companies in industries that interest you.

2. Diversify: Diversification is key to managing risk. Build a portfolio with a mix of stocks from different sectors to spread risk.

3. Dividend Yield: Pay attention to a company's dividend yield, which is the annual dividend payment divided by the stock's current price. A higher yield can mean more income, but be cautious of excessively high yields, as they may signal financial troubles.

4. Dividend Growth: Look for companies with a history of increasing dividends over time. This indicates financial health and a commitment to rewarding shareholders.

5. Dividend Reinvestment: Consider reinvesting your dividends back into the same stocks to take advantage of compounding.

Advanced Strategies:

1. Dividend Aristocrats: These are companies with a history of increasing dividends for at least 25 consecutive years. They often make reliable long-term investments.

2. Dividend ETFs: Exchange-traded funds (ETFs) that focus on dividend-paying stocks can offer diversification and convenience.

3. Dividend Capture: Some investors engage in a short-term strategy called dividend capture, where they buy a stock just before the ex-dividend date to receive the dividend and then sell shortly after.

4. Tax Considerations: Be aware of the tax implications of dividend income in your country and consider tax-efficient strategies.

Monitoring Your Portfolio:

Regularly review your portfolio to ensure that your investments align with your goals. Keep an eye on company performance, dividend sustainability, and market trends.

Conclusion:

Dividend investing is a powerful strategy that can provide you with financial security and income. Whether you're just starting or looking to enhance your investment knowledge, mastering dividend investing can lead to a brighter financial future. Remember, success in dividend investing requires patience, research, and a long-term perspective. Start building your dividend portfolio today, and watch your wealth grow over time. Happy investing!

[semary476]

The Secrets of How Rich People Make Money: A Detailed Guide

Introduction:

Have you ever wondered how the rich become wealthy? While there is no one-size-fits-all answer, there are certain strategies and habits that many wealthy individuals use to create and grow their wealth. In this article, we'll explore some of the secrets of how rich people make money.

1. They Invest in Appreciating Assets:

One of the key strategies used by the wealthy to make money is investing in assets that appreciate in value over time. These assets can include real estate, stocks, and businesses. Wealthy individuals understand that these assets can generate significant returns if held for the long term.

2. They Create Multiple Streams of Income:

Another strategy used by the rich is creating multiple streams of income. They leverage their skills, knowledge, and resources to start businesses, invest in real estate, and create passive income streams through investments in dividend-paying stocks, bonds, and rental properties.

3. They Work Smart, Not Just Hard:

Rich people work smart by leveraging their skills and knowledge to create income-generating assets that can generate passive income. They understand that working hard alone is not enough to create wealth, and they focus on creating systems and processes that can generate income even when they're not actively working.

4. They Understand the Power of Compounding:

The wealthy understand the power of compounding, which is the ability of an asset to generate earnings that are reinvested to generate more earnings over time.

5. They Prioritize Financial Education:

Finally, the rich prioritize financial education and continuously seek to learn about investing, personal finance, and wealth creation.

Conclusion:

While there is no magic formula for becoming wealthy, following the strategies and habits of the rich can help you create and grow your wealth over time. By investing in appreciating assets, creating multiple streams of income, working smart, understanding the power of compounding, and prioritizing financial education, you can achieve your financial goals and live life on your own terms.

[the-art-of-investing-in-stocks]

Using a High Dividend Stock Screener: A Guide to Identifying Reliable Sources of Passive Income

When it comes to investing in the stock market, one of the key considerations for many investors is the potential for dividend income. Dividends are a portion of a company's earnings that are paid out to shareholders, usually on a regular basis. High dividend stocks can provide a steady stream of income for investors, making them an attractive option for those who are looking for a reliable source of passive income.

However, with so many stocks available on the market, it can be overwhelming to try to identify which high dividend stocks are worth investing in. That's where a high dividend stock screener comes in.

What is a High Dividend Stock Screener?

A high dividend stock screener is a tool that helps investors filter through the thousands of stocks available on the market to identify those that pay a high dividend yield. The screener uses various criteria to narrow down the list of potential stocks, such as dividend yield, dividend payout ratio, and dividend history.

Using a high dividend stock screener can save investors a significant amount of time and effort when it comes to researching potential investments. Instead of manually sifting through financial statements and other data to determine a stock's dividend yield and other key metrics, investors can use a screener to quickly identify potential candidates.

How to Use a High Dividend Stock Screener

To use a high dividend stock screener, investors need to determine what criteria they want to use to filter the available stocks. Some of the most common criteria include:

Dividend Yield: This is the percentage of a company's stock price that is paid out in dividends each year. A high dividend yield indicates that a company is paying out a significant portion of its earnings to shareholders.

Dividend Payout Ratio: This is the percentage of a company's earnings that are paid out in dividends. A high dividend payout ratio indicates that a company is using a significant portion of its earnings to pay dividends.

Dividend History: This refers to a company's track record of paying dividends. Investors may want to look for companies that have a long history of paying dividends and have consistently increased their dividend payments over time.

Once investors have determined their criteria, they can input them into a high dividend stock screener and generate a list of potential stocks that meet their requirements. From there, investors can further research each stock to determine if it is a good fit for their investment portfolio.

Benefits and Risks of Investing in High Dividend Stocks

There are several benefits to investing in high dividend stocks. For one, they can provide a reliable source of income for investors. Additionally, dividend-paying companies are often more established and financially stable than those that do not pay dividends.

However, there are also risks associated with investing in high dividend stocks. For example, a company may reduce or suspend its dividend payments if it experiences financial difficulties. Additionally, high dividend yields may be a sign that a company is not reinvesting enough of its earnings into growth and development, which could limit its long-term potential.

It's important for investors to carefully research each potential investment and consider their risk tolerance before investing in high dividend stocks.

Conclusion

A high dividend stock screener can be a valuable tool for investors who are looking for reliable sources of passive income. By using a screener to filter potential stocks based on criteria such as dividend yield, dividend payout ratio, and dividend history, investors can save time and effort when it comes to identifying potential investments.

However, it's important to remember that investing in high dividend stocks carries risks as well as rewards. Investors should carefully research each potential investment and consider their risk tolerance before investing in high dividend stocks.

Know More About Below Keywords

QBT Share Price

LON RBS

LON SAR

LON SOLG

[mariacallous]

Families have been left feeling distressed and anxious after witnessing the video of 88-year-old Ann King being tormented and abused by those meant to be caring for her. This is a realisation of the worst nightmares of all those who have loved ones in care.

This sadly, is not a case of a few bad apples, but indicative of a broken system. The sector is facing a staffing crisis due to low pay and poor conditions, and caring has become a profession of last resort with many homes being forced to recruit those with little or no other options. As a result, conditions in care homes have become untenable.

The Care Quality Commission is toothless to take on any issues that arise in private care homes. The campaign group Rights for Residents, of which I am a cofounder, has raised issues with the CQC on many occasions, as have individual families, and this is a typical response from them: “If you have experienced or seen poor care, you have a right to complain to the organisation that provided or paid for the care. We cannot make these complaints for you or take them up on your behalf because we do not have powers to investigate or resolve them.” There seem to be no consequences for those who provide poor care and the only people paying the price are our loved ones.

Prior to Covid, many residents and their families felt shut out from decision-making processes. This dynamic was further exacerbated during the pandemic, when residents were separated from their relatives and unable to advocate together. Many residents remain subject to unacceptable visiting restrictions, despite the government stating there should be none. The presence of relatives is the most important safeguarding mechanism, as they are often the first to spot when anything is wrong. Limiting family contact with residents has allowed the development of closed cultures that are a breeding ground for neglect and abuse.

How can this be solved? To start, staff shortages can be solved with better pay and conditions. Caring requires a level of empathy and skill that is not common to us all and should be properly rewarded. Investment in training is also critical. Those without the most basic level of educational attainment and training cannot shoulder such important work.

Residents and family members should be involved in developing future social policy, which includes discussions with ministers and policymakers. In addition, each care home should have regular meetings with residents and their families.

Finally, the government and the CQC need to come clean if the powers and resources don’t exist to investigate serious concerns reported to them. An urgent overhaul or complete reset is needed if the dignity and human rights of residents is to be safeguarded.

Social care needs to be properly funded by the government, and private care home companies need to reinvest profits into quality care, rather than pocketing large dividends at the expense of residents.

Unless there is urgent action, it’s inevitable that we’ll hear of more tragic cases like that of Ann King.

[personalfinanceforeveryone]

Why dividend investing does ? Are you looking for a proven strategy to grow your wealth passively? In this video, we’ll dive deep into the power of dividend investing and why it’s a reliable approach for both beginners and seasoned investors. Discover how dividend stocks can provide consistent income while allowing your portfolio to grow over time. Learn about dividend reinvestment strategies and how dividend growth investing can accelerate your financial success. We’ll also show you how to build the best dividend portfolio and highlight some of the best dividend stocks available today. Whether you’re new to investing or looking to refine your dividend investing strategy, this guide will walk you through everything you need to know to generate dividend income and secure your financial future. ------ 💸 Ready to make millions online without the hassle of starting a business? 💸 Discover the exact blueprint that helped me and countless others build a successful online income with ease. Whether you're a complete beginner or already making some money online, this course will take you to the next level. 🔥 Click here to get instant access to the Internet Millionaire course and start earning today: https://linktw.in/qKvlbB Don't miss out on your chance to finally make money online! 💰

[navdurga32]

How do I earn a free Cash App reward?

Cash App, a mobile payment service developed by Square, Inc., allows users to send and receive money with ease. One of the appealing aspects of Cash App is its rewards program, which offers users various ways to earn free cash. Whether you are looking to save money, get discounts, or even earn rewards for referring friends, there are several strategies you can employ to maximize your earning potential on free Cash App reward.

1. Utilize Cash App Boost

One of the most popular features of Cash App is its Boost program. Cash App Boost allows users to get instant discounts at select merchants when using the Cash Card. Here’s how it works:

Select a Boost: Open your Cash App, navigate to the “Cash Card” section, and browse available Boost offers. You’ll find discounts on restaurants, retailers, and other services.

Use Your Cash Card: After selecting a Boost, make a purchase at the designated merchant using your Cash Card. The discount will be applied automatically, allowing you to save money on your purchase.

Change Boosts Frequently: Cash App frequently updates its Boost offers. Regularly check for new discounts and switch between them to maximize your savings.

By taking advantage of these offers, you can effectively earn rewards through savings, which can be used for future purchases or transferred to your Cash App balance.

2. Referral Program

Another way to earn free Cash App rewards is through its referral program. Cash App encourages users to invite friends to join the platform by offering both parties a monetary incentive. Here’s how to do it:

Invite Friends: Open your Cash App and navigate to the “Invite Friends” section. You’ll receive a unique referral code that you can share via text, social media, or email.

Get Paid for Referrals: When someone signs up for Cash App using your referral code and completes their first transaction (which usually involves sending or receiving a certain amount of money), both you and the new user will earn a cash reward.

This program is an excellent way to earn free cash while helping friends discover a useful financial tool.

3. Participate in Cash App Promotions

Cash App often runs promotions that allow users to earn cash rewards for completing specific actions. These promotions can include challenges like making a certain number of transactions within a specified time frame or using Cash App for particular purchases. Keep an eye on notifications from Cash App to participate in these promotions as they arise.

4. Investing with Cash App

While this may not seem like an immediate way to earn free cash, investing through Cash App can yield significant long-term rewards. Cash App allows users to invest in stocks, ETFs, and even Bitcoin. Here’s how you can use this feature to potentially increase your earnings:

Start Small: You don’t need a lot of money to start investing. Cash App allows you to buy fractional shares, meaning you can invest any amount, even if it’s just a few dollars.

Reinvest Your Earnings: If you earn dividends from your investments, consider reinvesting them. This can compound your earnings over time, ultimately leading to more substantial rewards.

5. Keep an Eye on Your Cash App Balance

Regularly monitoring your Cash App balance can help you stay aware of any promotional rewards you may have earned. Sometimes, Cash App will deposit small bonuses directly into your account for participating in their programs or completing specific actions. By keeping an eye on your account, you ensure that you don’t miss out on these additional rewards.

Why Taskperks is One of the Best Platforms to Earn Free Cash App Rewards?

While there are various ways to earn rewards through Cash App, using a platform like Taskperks can amplify your earning potential significantly. Here’s why Taskperks stands out as one of the best platforms for earning free Cash App rewards.

1. Diverse Earning Opportunities

Taskperks offers a wide range of tasks that users can complete to earn rewards. From watching videos to participating in surveys, users can select tasks that best fit their interests and skills. This diversity ensures that users have multiple avenues to earn cash, making it easier to accumulate rewards.

2. Cash App Integration

One of the key benefits of using Taskperks is its seamless integration with Cash App. Users can directly link their Cash App accounts to receive their rewards instantly. This eliminates the hassle of transferring funds from one platform to another and allows for quick access to your earnings.

3. User-Friendly Interface

Taskperks boasts a user-friendly interface that makes it easy for users to navigate through available tasks and track their earnings. The straightforward layout ensures that even those who are not tech-savvy can quickly adapt and start earning.

4. Real-Time Notifications

Taskperks keeps its users updated with real-time notifications about new tasks, promotions, and rewards. This ensures that you are always informed about the latest earning opportunities, allowing you to act quickly and maximize your earnings.

5. Referral Bonuses

Similar to Cash App's referral program, Taskperks also offers referral bonuses. Users can invite their friends to join the platform and earn rewards for every successful referral. This creates a win-win situation, as both the referrer and the new user benefit from the sign-up.

6. Secure and Reliable

Taskperks prioritizes user security and ensures that all transactions are safe and secure. This reliability builds trust among users, making it a preferred platform for earning rewards without worrying about potential scams.

7. Community Support

Taskperks fosters a sense of community among its users. You can connect with other users, share tips, and learn strategies to maximize your earnings. This support network can be invaluable, especially for those new to earning online rewards.

Conclusion

Earning free Cash App rewards is entirely achievable through various methods, including utilizing Cash App Boost, participating in the referral program, and engaging with promotions. However, to optimize your earning potential, using platforms like Taskperks can be immensely beneficial. With its diverse earning opportunities, seamless Cash App integration, user-friendly interface, and community support, Taskperks stands out as one of the best platforms to earn free Cash App rewards.

By leveraging both Cash App and Taskperks, you can create a robust strategy for earning cash rewards, enabling you to enjoy the financial benefits that come with smart money management. Whether you’re saving for a special purchase or looking to supplement your income, these platforms provide the tools you need to succeed.