In one retail company, the writer worked at my boss, often said. “You can walk by and not see what I see, this area needs improvement.” My boss’s focus was on presentation of the merchandise and our focus waw getting a paycheque. It could be easily noted communications – his teaching skills needed improvement, buy maybe our listening skills needed improvement.

When the writer looks at dividend paying stocks, the easiest method is a large number of mutual funds are listed in the financial section of the newspapers, rather than focusing on what they did today or last week focus on the 3 year plus returns of the funds. You will notice the dividends, equity, index, bonds, country funds, etc. Compare the dividends (which are meant to be lower risk) and equity (trying for capital gains and higher risk). You will likely find the lower risk funds doing as well or better than the higher risk funds, plus the cost of administration is less for the lower risk funds (meaning more money stays in your pocket). After looking at the family of funds, you can determine do you wish to buy the mutual fund or the indivdual stocks (top 10 holdings) of the funds you like best. The reason history will repeat itself is stocks increasing their dividends each year tend to go higher and stocks which pay dividends have two rates of return – the stock price and the dividend. You always receive two for one with a dividend paying stock which makes it a good buy.

There are always more questions than answers, till next time, to raising questions