Is Dividend Stock Investing Too Simple and Easy?

When I first began to study investing, and began to learn about individual stocks, one of the first things that hit me about dividend growth investing is how obvious it was. When I read something about dividend growth investing, I feel like Thomas Jefferson could take a break from “declaring these truths self-evident” and start narrating an e-Book about why it makes sense to load up your portfolio with Procter & Gamble, Chevron, and Colgate-Palmolive.

When Warren Buffett gave lectures following his “The Superinvestors of Graham and Doddsville” speech, he explained that value investing (i.e. the pursuit of paying two or three quarters to buy dollar bills) is either something that immediately grabs you, or it doesn’t.

I think that blue-chip investing is the same way.

When you go to the gas station, you are immediately intrigued by owning Exxon, Chevron, Shell, Conoco, and BP, or you’re not.

When you … Read the rest of this article!

Unauthorized Money Withdrawal From Your Bank Account

As of 2017, the average American had a staggeringly high 18% chance of being the victim of an unauthorized withdrawal from their bank account sometime between 2018 and 2038. Aside from the intelligent alternatives of making purchases via credit card or the timeless standby cold-hard cash, you might wonder: What rights do you have if there is a money taken from your bank account without your permission/knowledge?

First of all, there are two entities that you may be interested in addressing if money is taken from your account without permission—the bank that permitted the withdrawal, and the person or business that took the money from your account without permission.

The law governing consuming protections from banks can be found in Regulation E of the Electronic Fund Transfer Act (EFTA).

Regulation E gives consumers both responsibilities and protections relating to unauthorized use of their account.

Regulation E is typically boiled … Read the rest of this article!