Академический Документы
Профессиональный Документы
Культура Документы
www.lifetimeincomereport.com
We look for unique ways for you to invest your money in a smart and diligent way. We look at everything from special dividends to dividend reinvestment plans (DRIPs) and direct stock purchase plans (DSPPs; see DRPs report). But most importantly, all of our picks have to meet one very important criterion they must have a growing dividend. If we dont think a company will continue to increase its payments, we wont recommend it. Its that simple. We keep three portfolios in Lifetime Income Report. First, in the Legacy Portfolio, youll see only top-notch long-term stocks you want to own as early and as much of as possible. It features steady dividends with no signs of stopping in your lifetime. Next is the Current Income Portfolio. Itll include higher dividend-yielding stocks that already pay out large amounts to their shareholders. The companies in this portfolio will give you quicker gains and larger dividends than the Retirement Portfolio. Finally, well also keep a Special Situations Portfolio, because you never know when something will come along thats too good to pass up. It is reserved for companies that pay special dividends, dividends tied to earnings (which means a fluctuating dividend amount) and companies that pay stock dividends (which means they pay shareholders with more shares similar to stock splits). Heres what you can expect from your subscription:
This is just an example. Sometimes, alerts are shorter; other times, they are much longer. It all depends on what were facing out there in the market. But you can be sure youll get the full report no matter what Wall Street is doing. On top of issues and alerts, youll also have Members Only access to the Lifetime Income Report Web site. You can always find the full report section, as well as previous issues and alerts. It also features an up-to-the-minute portfolio to track all of your open positions.
We also apply strict trailing stops on companies that have gone up. A trailing stop just ensures you against losing your profits. For instance, if a company of ours goes up big and then falls back down, we should sell before it collapses too far. For each stock, the amount we look for is different. On average, a 15% trailing stop should protect your profits. The one exception to the stop loss and trailing stop rule is DRPs. If you are enrolled in a DRP, you wont want to trade this actively. When you make a decision to invest in a DRP, you are making a commitment to stay. One way to deal with market moves is by cost averaging, or buying on the dips. After you make the commitment to stay, you can take advantage of fluctuating share prices, especially when they are down, by buying more shares. That will bring down your entry price, which will give you an even greater profit when you are ready to sell. Any companies that offer DRPs we recommend well continue to follow even if they trigger a stop loss or trailing stop unless something monumental changes. So dont worry about what to do. Well keep you updated on any trading instructions when the time comes.
Most investors under these laws are taxed at a maximum of 15%. Lower income investors are not taxed, at least until 2010. What that means to you is this: If you receive a $1 dividend, you have to pay 15 cents of it to the federal government. Dont worry; well keep you informed of any changes to the tax code in relation to dividends Of course, you wont have to worry about any of this if you invest in dividend-paying stocks using a tax-exempt retirement account such as an IRA. The two youll typically run across are traditional IRAs and Roth IRAs. Heres a quick rundown on how they work: Traditional IRAs allow investors to put off paying taxes until retirement. Instead of paying out taxes on all dividends you receive, you will have to pay taxes only on money you withdraw at retirement. Thats taxed as income. While that sounds just as bad as being taxed all along, there is an enormous benefit. Instead of handing over that money to the government every year, you can sit on it and reinvest it using the IRA thus, growing it even more. Then youll be taxed only at the end. Roth IRAs are the better choice, if you have one. Individuals using Roth IRAs usually dont have to pay taxes at all. These are more comprehensive tax-free accounts. Unfortunately, they are usually much stricter, and certain dividend stocks arent allowed in Roth IRAs. Be sure to consult the manager of your IRA with any tax questions about your Lifetime Income Report recommendations.
Brokers
While it is, obviously, more beneficial for you to use tax-free retirement accounts to do your income investing, here is a short list of discount brokers you may want to look into:
E*TRADE one of the cheapest online trading services, for as little as $6.999.99 per trade. E*TRADE is also offering 100 commission-free stock and options trades for anyone who signs up. Contact E*TRADE at 1-800-387-2331 or www.etrade.com Zecco a fairly new, but groundbreaking service, which offers free stock trades. With an account, you get 10 free stock trades per month with at least $2,500 net equity. Its $4.50 per trade otherwise. Contact Zecco at 1-877-700-7862 or www.zecco.com TD Ameritrade standard online discount broker with a flat commission of $9.99 per trade, no matter how many shares. TD Ameritrade also offers retirement planning. Contact TD Ameritrade at 800-454-9272 or www.tdameritrade.com Scottrade popular trading service with stock trades starting at just $7. A minimum of $500 is required for a regular account and $2,000 for a margin account (which you wont need for Lifetime Income Report recommendations). Contact Scottrade at 1-800-619-7283 or www.scottrade.com Charles Schwab the oldest discount broker, but not the cheapest. For the first 1,000 shares of any trade, Schwab charges $12.95. After that, you get charged $0.015 per additional share. Contact Charles Schwab at 1-866-232-9890 or www.schwab.com
These are just some examples of brokers to choose from. As a disclaimer, Agora Financial does not have a relationship with these or any other brokers. You should do your own research to find which one best fits you. Be sure to study the fees and commissions each charges. After you find your broker or have talked to your retirement planner, you are set to start loading up on the dividends. After you buy your first income stock, be sure to track it through Lifetime Income Report alerts and issues. Again, welcome on board.
WWW.AGORAFINANCIAL.COM
400R033250
2010 by Agora Financial, LLC. 808 St. Paul Street, Baltimore, MD 21202. All rights reserved. No part of this report may be reproduced by any means or for any reason without he consent of the publisher. The information contained herein is obtained from sources believed to be reliable; however, its accuracy cannot be guaranteed.