In the North east and for that matter anything over the Mason Dixon line, a consideration is winter. Most of love being outdoors, although our work takes indoors, while at home we will let the light shine in our homes. Unfortunately the weather patterns at this time of the year means winter is coming. Those of us that live in the northeast, know one way to save money is to ensure your home is relatively secure around the windows where heat loss occurs. When electricity was considered cheap, few people were concerned given homes were built with seemingly little instulation. As the price of heating moved up, it is expensive to redo a home so in the meantime we use insulating film.

The plastic goes over patio door and windows to help keep out the winter winds and keep the warm air generated by the furnance inside. There are a number of other things to do in addition to the insulating film for example use of caulking, insulation and air tight windows and doors. Similar to many things in life, there are potential solutions, which one  you choose is up to you for they all work to one degree or another.

Linking to dividend paying stocks, in the cycles of the weather, there are some companies which do better or should do better depending on the time of the year, given a reasonably normal course of weather events. For utiltiies, there will be more residential demand in the winter and less in the spring and fall and more in the hot summer days where air conditioning of some sort is needed. In your investing, there are cycles and it makes it easier to regularly invest if the dividends come into your account then you can reinvest in what you have or buy something on your wish list. The use of the dividends ensures you have the time element of patience.

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