vania-janet/multiturn-rag-retrieval-data huggingface dataset:
I agree with this. I like to buy stocks that are priced low according to value investing principles but set limits to sell if the stock happens to get priced at a point that exceeds X% annualized return, for instance 15% or 30% depending on preference. If the price goes up, I cash out and find the next best value stock and repeat. If the price does not go up, then I hold it which is fine because I only buy what I'm comfortable with holding for the long term. I tend to prefer stocks that have a dividend yield in the 2-6% range so I can keep earning a return.  Also I too like the look of MCD.  GE looks good as well, from this perspective.
"My gut is to say that any time there seems to be easy money to be made, the opportunity would fade as everyone jumped on it. Let me ask you - why do you think these stocks are priced to yield 7-9%? The DVY yields 3.41% as of Aug 30,'12.  The high yielding stocks you discovered may very well be hidden gems. Or they may need to reduce their dividends and subsequently drop in price.  No, it's not 'safe.' If the stocks you choose drop by 20%, you'd lose 40% of your money, if you made the purchase on 50% margin. There's risk with any stock purchase, one can claim no stock is safe. Either way, your proposal juices the effect to creating twice the risk.  Edit - After the conversation with Victor, let me add these thoughts. The ""Risk-Free"" rate is generally defined to be the 1yr tbill (and of course the risk of Gov default is not zero). There's the S&P 500 index which has a beta of 1 and is generally viewed as a decent index for comparison. You propose to use margin, so your risk, if done with an S&P index is twice that of the 1X S&P investor. However, you won't buy S&P but stocks with such a high yield I question their safety. You don't mention the stocks, so I can't quantify my answer, but it's tbill, S&P, 2X S&P, then you."
CHN is a Closed-End Fund. CHN actually pays out three types of distributions: In the case of CHN, they appear to be paying yearly.  The most recent dividend, with exdate of 18 Dec 2014, consisted of $3.4669 of Long-term capital gains and $0.2982 cash dividend. Prior to that, the dividend with exdate of 19 Dec 2013 consisted of $2.8753 long-term capital gains and $0.4387 cash dividend. For a standard dividend yield you typically would not expect short-term and long-term capital events to be included in a yield calculation, as these events really only occur in relation to a fund rebalancing (changing its investments) and are not really due to the actual performance of the fund in any way.  Most free sites that provide dividend information do not make a distinction on the dividend type. Data source: Premium Data Full Disclosure: I am a co-owner of Premium Data/Norgate.
Big money, by vitue of its own existence, produces value.  What's a person to do with it? Stuff it under a mattress and earn 0 yield? No.  If you want safety, you'll put it in AAA rated US gov't bonds and help fund the government. If you want yield, you'll put it in broadly diversified equities investments, small companies, big companies, energy companies, tech companies, media companies, and so on, and soak up the net gain while injecting much needed capital investment directly into those industries, financing start up costs like construction and equipment procurement costs, as well as staffing costs.  Yes, big money absolutely creates value. The trains, cars, roads, and sidewalks you travel through to get to work? All financed by filthy rich people money. The building you work in and the equipment you use? Likely financed by filthy rich people money as well.  Its called financial intermediation and capital arbitrage, and you can thank your Gods you live in a country where the government allows it to operate efficiently.
Check out the property websites to get an idea of how much, the property in question, could yield as rent. Most give a range and you can get a good idea of it. Just one example from zoopla. Likewise you can refer mouseprice or rightmove and get yourself an idea. Property websites do a lot of data crunching to do an update, but their figure is only a guide.
In Australia there are 2 type of warrants (I don't know if it is the same in the US, UK and other countries), the first are trading warrants and the second are instalment warrants. The trading warrants are exactly what it says, they are used for trading. They are similar to option and have calls and puts. As Cameron says, they differ from exchange traded options in that they are issued by the financial companies whereas options are generally written by other investors. Instalment warrants on the other hand are usually bought and sold by investors with a longer term view. There are no calls and puts and you can just go long with them. They are also issued by financial companies, and how they work is best explained through an example: if I was to buy a stock directly say I would be paying $50 per share, however an instalment warrant in the underlying stock may be offered for $27 per warrant. I could buy the warrant directly from the company when it is issued or on the secondary market just like shares. I would pay the $27 per warrant upfront, and then in 2 years time when the warrant expires I have the choice to purchase the underlying stock for the strike price of say $28, roll over to a new issue of warrants, sell it back on the secondary market, or let it expire, in which case I would receive any intrinsic value left in the warrant. You would have noticed that the warrant purchase price plus the strike price adds up to more than the share price ($55 compared to $50). This is the interest component inherent in the warrant which covers the borrowing costs until expiry, when you pay the second portion (the strike price) and receive the underlying shares. Another difference between Instalment warrants and trading warrants (and options) is that with instalment warrants you still get the full dividends just like the shares, but at a higher yield than the shares.
Are there any other losses that can be expected beyond the above? The lender may have to invest some money into the house in order to get it in shape to sell. Also, while the lender possesses the house they are liable to the property taxes and possibly utilities. are there any statutes or pressures to motivate the financial institution to get fair price when the property is sold? The lender is motivated to at least break even when selling the property in order to limit losses on their investment. This means they are very motivated to seek a higher price, but they're also motivated to sell the property quickly in order to limit their losses due to property taxes. Usually the lender takes a loss of the investment if foreclosure occurs; only 10 percent to 20 percent  of auctioned foreclosed houses did yield a surplus. When the lender sells the foreclosed property using a realtor, they're motivated to sell it as quickly as possible so long as they break even. In this case there is little motivation to sell the property for a surplus. If the property is being sold via auction, then time is not a factor and the lender will just sell to the highest bidder.
There are a few situations in which it may be advantageous to exercise early. Wikipedia actually has a good explanation: Option Style, Difference in value To account for the American's higher value there must be some   situations in which it is optimal to exercise the American option   before the expiration date. This can arise in several ways, such as: An in the money (ITM) call option on a stock is often exercised just   before the stock pays a dividend that would lower its value by more   than the option's remaining time value.  A put option will usually be   exercised early if the underlying asset files for bankruptcy.[3]  A deep ITM currency option (FX option) where the strike currency has a   lower interest rate than the currency to be received will often be   exercised early because the time value sacrificed is less valuable   than the expected depreciation of the received currency against the   strike.  An American bond option on the dirty price of a bond (such as   some convertible bonds) may be exercised immediately if ITM and a   coupon is due.  A put option on gold will be exercised early when deep   ITM, because gold tends to hold its value whereas the currency used as   the strike is often expected to lose value through inflation if the   holder waits until final maturity to exercise the option (they will   almost certainly exercise a contract deep ITM, minimizing its time   value).[citation needed]
You will find Joe.E, that rents have increased considerably over the last 4 to 5 years in Australia. You can probably achieve rental yields of above 5% more than 20km from major Cities, however closer to cities you might get closer to 5% or under. In Western Sydney, we have been able to achieve rental yields close to 7%. We bought mainly in 2007 and 2008 when no one was buying and we were getting properties for 15% to 20% below market rates. As we bought cheap and rents were on the increase we were able to achieve higher rental yields. An example of one particular deal where we bought for $225K and rented for $300/wk giving us a yield of 6.9%. The rent is now $350/wk giving us a current yield of 8%, and with our interest rate at 6.3% and possibly heading down further, this property is positively geared and pays for itself plus provides us with some additional income. All our properties are yielding between 7.5% to 8.5% and are all positively geared. The capital gains might not be as high as with properties closer to the city, but even if we stopped working we wouldn't have to sell as they all provide us income after paying all expenses on associated with the properties. So in answer to your question I would be aiming for a property with a yield above 5% and preferably above 6%, as this will enable your property/ies to be positively geared at least after a couple of years if not straight away.
A shorter term MA would be used for short term changes in price whilst a long term MA would be used for longer term movements in price.  A 200 day SMA is widely used to determine the trend of the stock, simply a cross above the 200 day SMA would mean the stock may be entering an uptrend and a cross below that the price may be entering a downtrend. If the price is continuosly going above and below in a short period of time it is usually range trading. Then there are EMAs (Expodential Moving Averages) and WMAs (weighted moving averages) which give more emphasis to the latest price data than the earlier price data in the period chosen compared to a SMA. MAs can be used in many different ways, too many to list all here. The best way to learn about them is to read some TA books and articles about them, then choose a couple of strategies where you can use them in combination with a couple of other indicators that are complimentary with each other.
For me at least, comedy/entertainment and political issues are completely and in the most absolute terms mutually exclusive considerations. Namely, because comedians and entertainers have no idea what they're talking about when it comes to politics. Where is Jimmy Kimmels economics degree? What are Bill Nye's credentials in atmospheric science? I'll tell you where my economics degree is, in a bin on my dresser, after I earned it putting in year after year of 12+ hr days in the library studying statistical modeling, calculus, applied game theory and partial differential equations, as well as yield curve analysis, substitutibility in the bond and equities markets, and the impacts history, as well as cultural and legal institutions on market performance. Entertainers are nowhere even close to in the know about issues that effect real people. If I wanna know how to play pretend, then I'll go to a fucking actor. Actors aren't a source of information. They're monkies society puts in suits to laugh at.  Thats pretty a basic part of the legistlative process. That dude is an special interest advocate who's trying to put pressure on lawmakers to cut off a piece of the pie for x groups interest. Its a negotiating strategy, not an annoucement of whats in the bill.  What you did is disenfranchise yourself. What'd I say about going full retard? And seriously, where was your ass during the primaries? I'd really like to know.
Great answers. Here's my two cents: First, don't forget to look at the overall picture, not just the dividend. Study the company's income statement, balance sheet and cash flow statement for the last few years. Make sure they have good earnings potential, and are not carrying too much debt. I know it's dull, but it's better to miss an opportunity than to buy a turkey and watch the dividends and the share price tank. I went through this with BAC (Bank of America) a couple of years ago. They had a 38-year history of rising dividends when I bought them, and the yield was about 8%. Then the banking crisis happened and the dividend went from $2.56/share to $0.04, and the price fell from $40 to $5. (I stuck with it, continuing to buy at lower and lower prices, and eventually sold them all at $12 and managed to break even, but it was not a pleasant experience) Do your homework. :) Still, one of the most reliable ways to judge a company's dividend-paying ability is to look at its dividend history. Once a company has started paying a dividend there is a strong expectation from shareholders that these payments will continue, and the company's management will try very hard to maintain them. (Though sometimes this doesn't work out, e.g. BAC) You should see an uninterrupted stream of non-decreasing payments over a period of at least 5 years (this timeframe is just a rule of thumb). Well-established, profitable companies also tend to increase their dividends over time, which has the added benefit of pushing up their share price. So you're getting increasing dividends and capital gains. Next, look at the company's payout ratio over time, and the actual cost of the dividend. Can the projected earnings cover the dividend cost without going above the payout ratio? If not, then the dividend is likely to get reduced. In the case of CIM, the dividend history is short and erratic. The earnings are also all over the place, so it's hard to predict what will happen next year.
Over time, the higher finance-carrying-cost-to-net-rental-income ratio should abate as (1) rental market prices change to reflect the costs and (2) the landlord can reinvest his net rental income at a higher rate. In the short-term though, this can result in the landlord having to ""eat"" the costs making his yield on his leveraged fixed income asset less than what he would have without leverage, even if the property was later sold at same price regardless of financing method. ========== Interestingly, and on the flip side, this is one of the quirks in finance where an accounting liability can become, at least in part, an economic asset. If a landlord borrows at a high loan-to-value ratio for a fixed interest rate for the life of the mortgage and rates, variable and fixed, were to increase substantially, the difference between his original rate and the present rates accrues to him. If he's able to sell the property with the loan attached (which is not uncommon for commercial, industrial and sometimes municipal real estate), the buyer will be assuming a liability with a lower carrying cost than his present alternatives and will hence pay a higher price for the property than if it were unleveraged. With long-term rates in many economically advanced countries at historic lows, if a borrower today were to take a long-term fixed rate loan and rates shortly after increased substantially, he may have an instant profit in this scenario even if his property hasn't increased in value."
The S&P 500 is an index, you can't buy shares of an index, but you can find index funds to invest in. Each company in that fund that pays dividends will do so on their own schedule, and the fund you've invested in will either distribute dividends or accumulate them (re-invest), this is pre-defined, not something they'd decide quarter to quarter. If the fund distributes dividends, they will likely combine the dividends they receive and distribute to you quarterly.  The value you've referenced represents the total annual dividend across the index, dividend yield for S&P500 is currently ~1.9%, so if you invested $10,000 a year ago in a fund that matched the S&P 500, you'd have ~$190 in dividend yield.
I've recently discovered that Morningstar provides 5yr avgs of a few numbers, including dividend yield, for free.  For example, see the right-hand column in the 'Current Valuation' section, 5th row down for the 5yr avg dividend yield for PG: http://financials.morningstar.com/valuation/price-ratio.html?t=PG&region=usa&culture=en-US Another site that probably has this, and alot more, is YCharts.  But that is a membership site so you'll need to join (and pay a membership fee I believe.)   YCharts is supposedly pretty good for long-term statistical information and trend graphs for comparing and tracking stocks.
"You are probably going to hate my answer, but... If there was an easy way to ID stocks like FB that were going to do what FB did, then those stocks wouldn't exist and do that because they would be priced higher at the IPO. The fact is there is always some doubt, no one knows the future, and sometimes value only becomes clear with time. Everyone wants to buy a stock before it rises right? It will only be worth a rise if it makes more profit though, and once it is established as making more profit the price will be already up, because why wouldn't it be? That means to buy a real winner you have to buy before it is completely obvious to everyone that it is going to make more profit in the future, and that means stock prices trade at speculative prices, based on expected future performance, not current or past performance. Now I'm not saying past and future performance has nothing in common, but there is a reason that a thousand financially oriented websites quote a disclaimer like ""past performance is not necessarily a guide to future performance"". Now maybe this is sort of obvious, but looking at your image, excluding things like market capital that you've not restricted, the PE ratio is based on CURRENT price and PAST earnings, the dividend yield is based on PAST publications of what the dividend will be and CURRENT price, the price to book is based on PAST publication of the company balance sheet and CURRENT price, the EPS is based on PAST earnings and the published number of shares, and the ROI and net profit margin in based on published PAST profits and earnings and costs and number of shares. So it must be understood that every criteria chosen is PAST data that analysts have been looking at for a lot longer than you have with a lot more additional information and experience with it. The only information that is even CURRENT is the price. Thus, my ultimate conclusive point is, you can't based your stock picks on criteria like this because it's based on past information and current stock price, and the current stock price is based on the markets opinion of relative future performance. The only way to make a good stock pick is understand the business, understand its market, and possibly understand world economics as it pertains to that market and business.
He is just convincing people who likes to listen less science because thats what everyone is doing to influence the majority. Thats how companies sell products or ideas to make people buy products. Seeing how many people referring that documentary after starting a vegan diet I think they did a good job regardless of the bad science and fact stretching. People who are interested in science of the plant based/vegan diet can read books like the China Study of C. Campbell. I don't know how many average Joe will spend time to read and digest that.
With your wife's income, you're not doing to see a net difference if she stops working that job. You may actually yield a little more. At the end of the day, it's doable, but you're going to have to rationalize your spending and one or both of you should pick up a part-time job. Do you remember the last time you bought lunch or went out to dinner? You're wasting money. Even a 50% gig at a quality employer like Starbucks or Home Depot will let you make $15-20k. I respect your religious beliefs, but 17% of your income is steep, and you may want to revisit that.
What you mentioned are mature enough technologies to have planes fly themselves now; in fact they already do most of the time. What is missing is software to handle complicated contingencies and probably some additional computing power on-board the plane itself . Computers have been responsible for most of the flying done in the past 10-15 years and there haven't been many tragedies at all, in fact air travel is the safest form of travel; your fears are unfounded.
I am assuming that you are talking about US Savings Bonds: Here is a page that talks about maturity dates of US Savings bonds. If They aren'tSavings bonds but are another type ofUS Government Bond Assuming they are Savings bonds, here is information regarding redeeming of bonds. How do I redeem my EE/E Bonds?  Electronic bonds:     Log in to Treasury Direct and follow the directions there. The cash amount can be credited to your checking or savings account within one business day of the redemption date.  Paper bonds    You can cash paper EE/E Bonds at many local financial institutions. We don't keep a list of banks that redeem bonds, so check with banks in your area. What will I need to redeem a paper bond? Before taking in the bonds to redeem them, it's usually a good idea to check with the financial institution to find out what identification and other documents you'll need.   When you present your paper bonds, you'll be asked to show your identity. You can do this by being a customer with an active account open for at least 6 months at the financial institution that will be paying the bonds, or presenting acceptable identification such as a valid driver's license if the >redemption value of the bonds is less than $1,000. If you are not listed as the owner or co-owner on the bond, you'll have to show that you >are entitled to cash in the bond.  The treasury direct website also discusses converting bonds, rules regarding using them for education, how often they are credited with interest