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Three Steps to Early Retirement as a Millionaire

Notwithstanding a strong U.S. economy, only 25% of Americans say they feel financially prepared for retirement, according to a report just issued by the Certified Financial Planner Board of Standards. : Close to 80% of participants surveyed say they are not reassured that they have the best retirement savings strategies available to them. The good news is, three simple steps can help people build wealth and retire early.

While anyone can benefit from these action steps, they can be particularly powerful for financial independence and early retirement.

1. Pay yourself first

The single most important decision you’re going to make is to pay yourself first. This means, when you earn a paycheck, the first person who gets paid is you. Most people don’t do this even if they have employer matching funds. They focus on paying bills and other personal expenses without considering saving money.

2. Invest your savings

To be clear, simply saving a lot of money doesn’t make you rich. You have to have this money invested for growth. You cannot put this money in a money market or a CD, where it grows at 1% or 2%. You’ll never build wealth that way. We have created an investing plan to purchase monthly dividend stocks. These investments pay you a dividend check every month. Even better, we focus on yields above 10% to beat the market. How would you like 5, 10 or 30 checks coming to you each month?

3. Compound your wealth

When you receive your monthly income, reinvest a portion into new monthly dividend stocks. This grows your wealth over time, increases your income each month and offsets the impact of inflation. Also, this creates a lasting legacy as you are living from the dividends and not touching your capital.

The earlier you start, the better, thanks to the power of compound interest, which can cause your wealth to snowball over time. Yes, early retirement is possible as your monthly income exceeds your living expenses.

Create your legacy by joining our Monthly Income Plan today.

How to Create 60 Paycheck Every Month

To achieve financial independence, you must create multiple income streams to replace earned income. Warren Buffett states “You will work the rest of your life if you don’t make money while you sleep.” There is a simple method to position yourself for unlimited passive income. Now, the recently released book , “Passive Income Monthly Plan: Create 60 Paychecks in 90 Days” lays out a plan anyone can achieve regardless of where you may be at the starting line.

Obtaining Extra Income is Absolutely Critical in Modern Day America

If you’re looking to get extra income… there is simply no need to get a part-time job. It’s much easier than that. The KEY to making money is tapping into multiple sources of income.

Once the extra money starts flowing… you can afford to live the way you want.

… you can take that dream vacation, buy that new house… or finally afford to start a family.

In other words, you won’t ever have to worry about the financial security of you or your family again.

The real trick is to make your money work for you!

The Book will show you how to:

  • Literally setup 60 monthly dividend stocks that will pay you each month – 720 checks per year! You can grow these dividends over time – Unlimited Income – to achieve early retirement on your terms;
  • Show you how to get stated with as little as $5 in new stock accounts that charge no commissions with no account limits;
  • Diversify your portfolio to be safe when the market goes into a downturn such as a recession or other market crisis – you continue to make monthly income regardless of market volatility;
  • Create a 15% saving account as no recommended monthly dividend stock has an annual yield below 10% – with the average across all investments at 15% – where else can you make this much income?
  • How to eliminate longevity risk – never outlive your money – your money will continue to increase your income to not only surpass inflation but grow in perpetuity;
  • Leave a life legacy to be passed on to your loved ones like the Rockefellers and other wealthy families have done throughout history.

The Passive Income Monthly Plan is a landmark publication that will change many lives. There is endless discussion and schemes online to suggest you can take over the world by writing articles, making Youtube videos and such. This book gets straight to the point with concise “how to” directions in a single sitting.

Get started today as the book is at a special price on Amazon Kindle. Click here to visit the listing: “Passive Income Monthly Plan: Create 60 Paychecks in 90 Days

To learn more about creating multiple streams of passive incomes, visit the website: for a free subscription.

Back to Warren Buffett – make money while you sleep – with this plan.

Where to Find a 15% Dividend Yield

Investors do not have many choices when looking for income today. Aside from vehicles like annuities, the only place for income is dividend stocks. The dividends will increase with inflation and the stock price will appreciate over time. And many dividend stocks pay more income than the 10-year bond! This is how I like to look at dividend stocks – what I will earn over the next 10 years.

You may ask why I take the long-term outlook. There are many variables affecting the markets that I can’t control or even predict such a significant financial crash (dot com crash, housing bubble, etc.) or market correction. However, if you are in the right stocks you will still earn dividend income and make money over the long-term.

In the U.S., S&P 500 dividends last year were 55% higher than in 2007, the peak of the last cycle, while earnings were up only 29%. Dividends over the past five years have grown at an annualized 13%. Look beyond the recent past and dividends have been vital to long-run returns. Indeed, U.S. shares were worth the same in July 1982 as in June 1901, adjusted for inflation, according to data compiled by Prof. Robert Shiller of Yale. All returns that topped inflation over that period came from reinvesting dividends. Their power is well known: An investor who bought U.S. shares in 1900 has made 2.1% a year in capital, but a total of 6.4% a year once dividends were reinvested, according to Elroy Dimson, Paul Marsh and Mike Staunton of London Business School.

While dividends are an important component to stock returns, I don’t think they are priced into all dividend stocks to reflect their true value. Here is a good example. Income investors will flock to a stock like Altria Group (MO), the tobacco stock, because it is known as a good dividend stock. MO trades around $65 and has a dividend yield of 3.5% so it is interesting as a income purchase. MO already pays out 74% of its earnings as dividends so there is no upside in the dividend payout ratio. EPS are projected to grow at 8% per year so there is upside to increased dividends. However, the forward P/E ratio is at 21 so the stock is priced high due to its income potential. According to my proprietary stock valuation model, MO should be priced near $60 so some of the future growth is already priced in the stock. I will only buy Altria on a pullback below this level.

The income investor should have a blend of stocks producing high income today and some that will continue to growth their dividends in the future. Altria produces income today! Take a stock like Expedia (EXPE), online travel stock, that has a current dividend yield of 1% while trading at $111 per share. Not a stock that an income investor would look to for dividends. However, if you look forward 10 years, EXPE may produce a dividend yield on cost near 15%. How is this possible? Simply because EXPE is projected to grow EPS by over 20% per year in the coming years. And its current dividend payout ratio is only 20%. If the EPS materialize and the payout ratio hits 50% in 10 years, then you can earn a 15% yield based on the current market price of Expedia. In case you are wondering, EXPE is significantly underpriced today based on its future growth rate as it has a forward PEG of 0.83.

Where can you buy a potential 15% yield today? For investors looking for future income, they should add some dividend income and growth stocks to their portfolio.

Get more growth and income stocks here.

Lodging Around for Growth and Income

Chesapeake Lodging Trust (NYSE: CHSP) is a self-advised lodging real estate investment trust (REIT) focused on investments primarily in upper-upscale hotels in major business and convention markets and, on a selective basis, premium select-service hotels in urban settings or unique locations in the United States. The Trust owns 15 hotels with an aggregate of 4,722 rooms in seven states and the District of Columbia.

Chesapeake Lodging Trust reported its financial results for the quarter ended September 30, 2012 with a 8.9% increase in RevPAR for comparable 10-hotel portfolio over the same period in 2011.  For the quarter, the Trust produced EPS of $0.21 compared to $0.18 a year ago.  For the 9 months, the Trust produced EPS of $0.47 compared to $0.21 a year ago, an increase of 124%.

On August 21, 2012, the Trust acquired the 520-room W Chicago – Lakeshore located inChicago, Illinois for approximately $124.9 million, including acquired working capital. The Trust funded the acquisition with available cash on hand and a borrowing under its revolving credit facility. The Trust entered into a long-term management agreement with Starwood Hotels & Resorts Worldwide, Inc. to continue operating the hotel under the W flag.

On September 7, 2012, the Trust acquired the 429-room Hyatt Regency Mission Bay Spa andMarina located in San Diego, California for approximately $59.8 million, including acquired working capital. The Trust funded the acquisition with available cash on hand and a borrowing under its revolving credit facility. The Trust assumed the existing management agreement with Hyatt Hotels Corporation.

Chesapeake Lodging Trust announced that its board of trustees has declared a dividend payment of $.22 per common share. The dividend will be paid on January 15, 2013 to shareholders of record at the close of business on December 31, 2012. The dividend represents a 5% annualized yield based on the closing price of the Trust’s common shares on December 12, 2012.  Chesapeake Lodging has a current dividend yield of 4.08% which was increased 10% in the past year.

Chesapeake Lodging is projected to grow EPS by 19.8% in 2013.  First Call consensus has a BUY recommendation with a 1.7 rating.  Chesapeake Lodging has an equity summary score of 7.5 out of 10 for a Bullish outlook.

Chesapeake Lodging Trust (NYSE: CHSP) has a 12-month price target of $26.50.

How to Invest in Chinese Real Estate

China’s home prices edged up for a sixth straight month in November, a private survey showed, reinforcing signs of a gentle recovery in the property market as the government seeks to bolster economic growth.  The average home price in China’s 100 biggest cities rose 0.3 percent in November from October to 8,791 yuan ($1,400) per square metre, accelerating from October’s 0.2 increase, the China Real Estate Index System (CREIS).

The China market has rallied since summer as the iShares FTSE China 25 Index fund (FXI) is up 20% over the past 6 months.  A more direct play on Chinese real estate is in shares of SouFun Holdings Limited (NASDAQ: SFUN) which is the leading real estate and home furnishing Internet portal in China.  Soufun is up around 90% in the past 5 months as the Chinese real estate market has improved.

SouFun has built a large and active community of users who are attracted by the comprehensive real estate and home furnishing and improvement content available on its portal that forms the foundation of its service offerings. SouFun currently maintains 106 offices to focus on local market needs and its website and database contains real estate-related content coverage of 314 cities in China.

SouFun Holdings had Q3 EPS of $49.2 million, or $0.61 per diluted share, compared to consensus estimate of $0.55 per share earnings.  Revenues were $127.2 million, which is also above the $122.34 million analysts’ estimate.  In the same period last year, net income attributable to SouFun Holdings Limited was $42.9 million, or $0.52 per diluted share, on revenues of $108.6 million.

The company has also raised its revenue guidance for fiscal year of 2012 from between $390 million and $410 million to between $400 million and $420 million, representing a year-on-year increase of 16.6% to 22.2%.

SouFun has an annual dividend rate of 8.67%.  Soufun has paid dividends on an annual basis but there is a chance of the increase in frequency of distributions as the real estate market continues to recover.

SouFun Holdings has am equity summary score of 7.5 out of 10 for a Bullish Outlook.  First Call analysts have a BUY recommendation with 2.0 rating.  Based on 2013 EPS of $2.21, the 12-month price target is $29.

3 High Yield REITs with a Bullish Outlook

Shares of high yielding REITs have been relatively flat in August.  The Vanguard REIT ETF (VNQ), which tracks the performance of an index that measures the performance of publicly traded equity REITs, is up over 14 percent this year, nearly double the Dow Jones gain of 8 percent over the same period.  Investors have looked to mortgage REITs to take advantage of the recovering U.S. housing market. Mortgage REITs do not directly invest in real estate but invest in the mortgages on real estate properties.

While the housing market has gone from bad to less bad, these REITs have just declared higher dividends for their investors.  Each of these REITs has high dividend yields over 10% with a Bullish outlook.

Newcastle Investment Corp. (NYSE: NCT) announced that its Board of Directors has declared a quarterly dividend of $0.22 per common share for the third quarter of 2012, representing a 10% increase from the prior quarter’s dividend of $0.20per common share. The dividend is payable on October 31, 2012 to shareholders of record on October 1, 2012.  Newcastle has a current dividend yield of 10.3%.

Newcastle Investment announced that it has completed the sale of 100% of its interests in CDO X in connection with the liquidation and termination of CDO X.  Newcastle received $130 million for $89.75 million face amount of subordinated notes and all of its equity in CDO X.  The sale and resulting deconsolidation of CDO X from the Company’s balance sheet will eliminate the impact of CDO X’s negative net book value and generate an approximately $200 million gain for the third quarter.

Newcastle has an equity summary score of 8.7 out of 10 for a Bullish outlook.  First Call analysts’ consensus has a Buy rating of 1.7.  Newcastle has a 12-month price target of $8.75.

Newcastle Investment (operated as a REIT) focuses on investing in and actively managing opportunistic investments in real estate related assets. The Company primarily invests in two distinct areas: (1) Residential Servicing and Securities and (2) Commercial Real Estate Debt and Other Assets.

The Board of Directors of CreXus Investment Corp. (NYSE: CXS) declared the third quarter 2012 common stock cash dividend of $0.32 per common share.  This dividend is payable October 25, 2012 to common shareholders of record on October 1, 2012. The ex-dividend date is September 27, 2012.

This is an 18.5% increase from the prior dividend of $0.27.  CreXus Investment has a current dividend yield of 10.2%.  EPS is projected to increase 21% in 2013 and 18% in 2014.

CreXus has an equity summary score of 7.6 out of 10 for a Bullish outlook.  First Call analysts’ consensus has a Buy rating of 2.3.  CreXus has a 12-month price target of $12.50.

CreXus (operated as a REIT) acquires, manages and finances, directly or through its subsidiaries, commercial mortgage loans and other commercial real estate debt, commercial real property, commercial mortgage-backed securities and other commercial and residential real estate-related assets.

New York Mortgage Trust, Inc. (NYMT) announced that its Board of Directors declared a regular quarterly cash dividend of $0.27 per share on shares of its common stock for the quarter ending September 30, 2012. The dividend will be payable on October 25, 2012 to common stockholders of record as of September 28, 2012.  New York Mortgage has a current dividend yield of 14.5%.

New York Mortgage has completed an underwritten registered public offering of 10,000,000 shares of common stock at $6.73 per share.  New York Mortgage also granted the underwriters an option to purchase up to an additional 1,500,000 shares of common stock.  The proceeds will be used to purchase more assets.

New York Mortgage has an equity summary score of 9.0 out of 10 for a Bullish outlook.  First Call analysts’ consensus has a Buy rating of 2.0.  New York Mortgage has a 12-month price target of $8.25.

New York Mortgage invests in mortgage-related and financial assets and targets multi-family CMBS and Agency RMBS, including Agency RMBS consisting of adjustable-rate and hybrid adjustable-rate RMBS and Agency IOs consisting of interest only and inverse interest only RMBS that represent the right to the interest component of the cash flow from a pool of mortgage loans.

Mortgage REITs are Still a BUY Following QE3

Last week, the Fed announced it will purchase an additional $40 billion per month of Agency MBS. The purchase time frame is open-ended, but will be reviewed as economic developments dictate. In addition to additional purchases, the Fed also extended the commitment to keep interest rates low to at least mid-2015.  We believe that the FED decision is a positive for Mortgage REITS.

In the short term, we may see some profit taking.  Longer term, we believe the technical picture appears extremely strong and fundamentals such as carry and prepays remain favorable.

In addition, investors have looked to mortgage REITs to take advantage of the recovering U.S. housing market. Mortgage REITs do not directly invest in real estate but invest in the mortgages on real estate properties.  The Vanguard REIT ETF — which tracks the performance of an index that measures the performance of publicly traded equity REITs — is up over 15 percent for the year, outperforming the Dow Jones Industrial by a large margin.

We see AMTG, MTGE and AGNC as best positioned to benefit from the announcement given the mix of lower coupon fixed-rate MBS in the portfolio.  As is the case, the positives for book value are offset by lower reinvestment yields on new MBS purchases given the spread tightening.

Apollo Residential Mortgage, Inc. (NASDAQ: AMTG) is a real estate investment trust that invests in and manages residential mortgage-backed securities and other residential mortgage assets throughout the United States.  Apollo Residential Mortgage is trading at $22.488, near its 52-week high.  Apollo Residential Mortgage has a current dividend yield of 13.97%.  Apollo Residential Mortgage is rated a 1.8 (STRONG BUY rating) by First Call analysts.

American Capital Mortgage Investment Corp. (NASDAQ: MTGE) is a real estate investment trust formed in 2011 that invests in and manages a leveraged portfolio of agency mortgage investments, non-agency mortgage investments and other mortgage-related investments.  American Capital Mortgage is trading at $23.23, near its 52-week high.  American Capital Mortgage has a current dividend yield of 13.73%.  American Capital Mortgage is rated a 2.1 (BUY rating) by First Call analysts.

American Capital Agency (NASDAQ: AGNC) invests only in fixed-rate agency securities where payments are guaranteed by the U.S. government or government-owned entities, such as Fannie Mae (FNMA), Freddie Mac (FHLMC) and Ginnie Mae (GNMA).   American Capital Agency is trading at $36.49, near its 52-week high.  American Capital Agency has a current dividend yield of 13.7%.  American Capital Agency is rated a 2.2 (BUY rating) by First Call analysts.

Buy this BDC for Rising Earnings and a 11% Dividend Yield

Rising earnings estimates on the back of strong second quarter results – including a 48.2% earnings surprise – have helped TICC Capital Corp (NASDAQ: TICC) achieve a Zacks #1 Rank (Strong Buy) on August 30.  Moreover, this non-diversified management investment company has delivered an average surprise of 28.2% over the past four quarters.

With a solid year-to-date return of 20% and a history of beating quarterly earnings estimates, this stock offers an attractive investment opportunity.

Better-than-expected second-quarter earnings and steady improvement in investment portfolio are the primary rank drivers for this stock.  Moreover, continued improvement in investment income will help improve its profitability in the upcoming quarters.

On August 20, TICC CAPITAL completed an underwritten public offering of 3,450,000 shares of its common stock at a public offering price of $9.65 per share for total estimated gross proceeds of $33.3 million.  This capital will serve as growth for investments in the coming quarters.

On July 30, TICC Capital reported second-quarter 2012 net investment income of 40 cents per share, outpacing the Zacks Consensus Estimate of 27 cents by 48.2% and the year-ago earnings of 29 cents by 37.9%.

Total investment income of $20.5 million surged 83.8% from the year-ago quarter. Significantly higher (almost 87%) total investment income from non-affiliated/non-control investments was primarily responsible for the surge.

The fair value of TICC Capital’s total investment portfolio was $439.2 million as of June 30, 2012, up 12.2% from $391.5 million as of December 31, 2011. During the second quarter, the company provided approximately $62.1 million debt funding to new and existing portfolio companies.

TICC Capital’s Board of Directors has increased its dividend by 7.4% to $0.29 per share distribution for the third quarter this year, payable on September 28, 2012, to shareholders of record as of September 14, 2012.  TICC Capital had a very strong second quarter, as reflected by their having deployed approximately $62.1 million of capital, consistent with their investment strategy, as well as by their taxable income continuing to equal or exceed dividend distributions.

TICC Capital has a current dividend yield of 11.15%.  TICC Capital has increased its dividend 16% in the last year.

TICC Capital has a 12-month target price of $11.30.

TICC Capital Corp. is a business development company primarily engaged in providing capital to technology-related companies.  TICC concentrates its investments in companies having annual revenues of less than two hundred million dollar and/or a market capitalization or enterprise value of less than three hundred million dollar, with a focus on businesses.

HollyFrontier Corporation Announces Special and Regular Dividends

HollyFrontier Corporation (HFC) announced today that its Board of Directors declared a special cash dividend in the amount of $0.50 per share, payable on September 4, 2012 to holders of record of common stock on August 27, 2012.

The Board of Directors also approved a regular quarterly dividend of $0.15 per share. This dividend will be paid on October 2, 2012 to all holders of record of common stock on September 10, 2012.

Mike Jennings, CEO and President of HollyFrontier  said, “After last week’s outstanding second quarter results, our Board of Directors authorized another special dividend, the fifth since our July 2011 merger. Over the last twelve months we have returned$2.42 per share in cash to shareholders through regular and special dividends, which equates to a more than 6% yield on today’s closing price of $39.59 per share.”

Subscribers to the Get Rich Monthly Income Plan have an YTD return on HFC of 96% (excluding recent special dividend) from investing in a perpetual covered call position.  MIP investors also collected a $0.50 special dividend from HFC in June 2012.

Spectrum Brands Announces Special Dividend

Spectrum Brands Holdings, Inc.(SPB) is initiating a $0.25 per share quarterly common stock dividend starting in fiscal 2013 – expected to be paid in March, June, September and December each year – and declared a one-time special dividend of $1.00 per share to be paid on Sept. 18 to shareholders as of Aug. 27. Shares are trading at $36.41 for a one-time special dividend yield of 2.75%.

Spectrum started out making Rayovac batteries in 1906, and now controls a portfolio of consumer-product brands from Remington shavers to Cutter bug spray. In late December, the company completed its $140 million acquisition of FURminator, which makes dog and cat grooming tools and accessories.

For the quarter ended July 1, Spectrum reported a profit of $58.7 million, or $1.13 a share, up from $28.6 million, or 56 cents a share, a year earlier. Excluding restructuring, acquisition and other items, earnings rose to 78 cents a share from 66 cents.  Sales edged up 2.5% to $824.8 million.

Company profile:

Spectrum Brands Holdings, Inc (SPB,) a member of the Russell 2000 Index, is a diversified, global consumer products company and a leading supplier of batteries, shaving and grooming products, personal care products, small household appliances, specialty pet supplies, lawn & garden and home pest control products, personal insect repellents and portable lighting. Helping to meet the needs of consumers worldwide, our Company offers a broad portfolio of market-leading, well-known and widely trusted brands including Rayovac®, Remington®, Varta®, George Foreman®, Farberware®, Black & Decker®, Russell Hobbs®, Toastmaster®, Tetra®, Marineland®, Nature’s Miracle®, Dingo®, 8-in-1®, FURminator®, Littermaid®, Spectracide®, Cutter®, Repel®, Hot Shot® and Black Flag®. Spectrum Brands Holdings’  products are sold by the world’s top 25 retailers and are available in more than one million stores in approximately 120 countries. With 6,000 employees in 43 countries, Spectrum Brands Holdings reported fiscal 2011 net sales of approximately $3.2 billion.

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