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The Highest Yielding S&P 500 Stocks

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If you are on the hunt for yield, the top 10 highest yielding S&P 500 stocks is a tempting place to look for new ideas. Compared to the less than 2% yield offered by investing in an S&P 500 index fund, the average yield of the highest 10 dividend-paying S&P 500 stocks is over 8%. The list below includes the 10 highest yielding S&P 500 stocks along with their indicated dividend yield. Click the company name for more information on each stock.   Highest Yielding S&P 500 Stocks Company Name Yield Macy’s (M) 10.3% Macerich … [Read more...]

Best and Worst Tax States in 2019: A Quick List Retirees Need to See

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In retirement, there's nothing that can affect your standard of living more than taxation. Property taxes, taxes on your investment income, and even sales taxes can make all the difference in your ability to pursue the retirement dreams you've been working toward for years. Each year Kiplinger releases a ranking of the best and worst states for taxation. Here they are: The Best States for Taxation in 2019 Wyoming Nevada Tennessee Florida Alaska Washington South Dakota North Dakota Arizona New Hampshire The Best State for Taxation in 2019 The best state for … [Read more...]

Welcome to the Hotel California of Investments

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Welcome to the Hotel California of Investments: Indexed Annuities. With surrender fees as much as 10% per year lasting as long as 10 to 12-years, “You can check out any time you like, but you can never leave!” Take caution: Because as money flows into indexed annuities remember that the big winners are certainly the insurance companies and the salesmen (who make 5 to 8 percent of the sale). Penelope Wang explains at Consumer Reports: Unlike regular annuities, which give a fixed payout, returns on indexed annuities rise and fall with the stock market. But these annuities don’t invest in … [Read more...]

Stocks Cap Their Best First Three Quarters in 22 Years

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Despite the ongoing trade war and skirmishes in the Middle East, stocks posted their best three first three quarters since 1997. Gunjan Banerji writes in The Wall Street Journal: The S&P 500 is now sitting just 1.6% below July 26’s all-time high, but it has also risen a mere 2.2% from a year ago after a brutal selloff last fall—encapsulating the sideways trading pattern that has gripped markets since the beginning of 2018. The quarter ended on a relatively quiet note. The S&P 500 ticked up 0.5% to 2976.74 Monday, paced by Apple, which closed at its highest level this … [Read more...]

The Power of a Compound Interest Table

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Compound interest was described as the greatest mathematical discovery of all time by Albert Einstein. Compound interest “Tis the stone that will turn all of your lead into gold,” according to Benjamin Franklin. The late great Richard Russell explained compound interest as the royal road to riches. Below I'll explain this powerful investment tool and show you how to read a compound interest table. Compound interest is the heart and soul of investing. Investors lacking a solid grounding in compounding are more likely to suffer from a wandering eye. They can be inclined to favor Hail Mary … [Read more...]

How Much More Are Stocks Really Worth when Rates Are Low?

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Gary Shilling warns against overpaying for stocks simply because rates are low. In piece for Bloomberg, he explains that investors "tend to be overly enthusiastic at business cycle peaks when corporate cash is plentiful and purchase their shares at high prices." He writes: U.S. stocks are expensive by historical standards, and the bulls try to justify current valuations by pointing to extremely low levels of interest rates. There are a number of reasons why that’s no reason to pay sky-high prices relative to profits. With companies preparing to start reporting results for the third … [Read more...]

Low Cost of Living Isn’t Just for Retirees

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You know how important location can be for retirees. Sunshine, access to services and entertainment, and proximity to family are all factors that can make a big difference in retirement. The most important of all though, is cost of living. Taxes, housing costs, and energy costs are especially important to those living on a fixed income. Your Retirement Life: How Do You Know Where to Live in Retirement? Maine’s Governor wants to Live in Florida, Here’s Why Where to Live to Save for Retirement. It’s Not Where You Think Where to Live to Make a Living? Try this Southern Gem Your … [Read more...]

Are You Confused by the Investment Hype?

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As an individual investor, you may be confused by the hype and pressure aimed at you by the media and securities salesmen. The constant drumbeat of news, both good and bad, can create an emotional response from even the most stoic of investors. Couple that with many investors’ lack of experience, and trouble can erupt from portfolios during tough market times. In July 1993 I wrote: You’re on the 15th Tee. At the Four Seasons golf course in Nevis, West Indies, high in the lush green hills of this remote Caribbean island, you are overlooking the yawning expanse of a many hundred foot deep … [Read more...]

Here’s Why Millennials Are Abandoning Big Cities

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Big cities may get all the press but what we continue to see is a migration away from them and into the burbs. As Joel Kotkin and Wendell Cox point out here in New Geography: When Amazon decided to locate its second headquarters in New York, it cited the supposed advantages of the city’s talent base. Now that progressive politicians have chased Amazon out of town, the tech booster chorus has been working overtime to prove that Gotham, and other big, dense, expensive cities, are destined to become “tech towns” anyway, because of their young, motivated labor pools. That argument may sound … [Read more...]