Just before the Christmas break, my volunteer hat was put on to help a  service club for a breakfast celebrating the holiday. The breakfast has been a tradition for last 20 years in the community and various people have done the chores. Most of the volunteers do not work or had not worked in the food industry full time. This tends to mean when we are assigned tasks we have only a little idea of how to do the tasks. Given that about 500 people show up for breakfast, there are a lot of dishes and that needs a process. The dishes come in, the food needs to be scrapped off, the dishes are rinsed and go to a small washing machine. Early in the morning when there are a few people, it does not matter on the process. Later in the morning as more and more people arrive a process is needed as well as being prepared to do all the other things. Change the water, empty the garbage bag and put a new one in, all the little things which being prepared make life easier.

Linking to dividend paying stocks, similar to the rest of your life, if there are only a few tasks, you can easily improvise. As the demands of the day grow, it is better to have some sort of process. There are many theories and many ideas of how to gain better performance and over a course of a year, many will be tried. The overwhelming majority work at least once, the tough aspect is to have consistency over a few years. If you examine the dividend stocks record, because they have both a dividend and possible capital gain, their record tends to be more consistent with less risk. Start with the easy process, if you keep it relatively simple you will have more time to do the other things in your life.

There are more questions than answers, till the next time – to raising questions.