Saturday, March 9, 2024

Tax Lien Investing / DIVIDEN STOCKS VS DIVIDEND ETFS - Dividend Stocks / Mutual Funds / Bond ETFs?

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DIVIDEN STOCKS VS DIVIDEND ETFS - Why Invest in Dividend Stocks Via Mutual Funds?
Why Invest in Dividend Stocks via ETFs?
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Are you tired of volatile and unpredictable investments? Looking for a way to grow your wealth in a safe and reliable way?

 Knowledge Financial Group is here to help: here are some of the most common types of income...
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Dividend Income: Income from stocks -
Rental Income: Income from rental properties -

Capital Gains Income: Income from investments -
Earned Income: Income from a job -Profit Income:
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Income from buying and selling stuffs -
Interest Income: From lending money to others -

Royalty Income: Income from prior work or investment

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If You Have More Than $1,000 in Your Saving/Checking Account, Make These Moves.
Municipal Bonds:
A municipal bond, commonly known as a muni bond, is a bond issued by a local government or territory, or one of their agencies.
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Index funds are investments made up of stocks that mirror the companies and performance of a market index, such as the S&P 500. Index funds are passively managed and have lower fees than actively managed funds, and often generate higher investment returns.
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Pick which index
 
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Company size and capitalization. Index funds that track small, medium-sized or large companies (also known as small-, mid- or large-cap indexes).
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WARNING: The investing information provided on this page is for educational purposes only...
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INVEST IN TAX LIEN CERTIFICATES, TAX DEEDS..
 
Tax Lien Investing: What You Need To Know...
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What Is A Tax Lien?
Tax lien investing is a type of real estate investing where individuals purchase tax lien certificates.
These certificates are created when local governments place liens on people’s property due to unpaid property taxes.
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There are 28 states that currently allow for the sale of tax lien certificates. And considering there are $21 billion of delinquent property taxes each year, it’s a booming business.
It’s important to clarify that tax liens are different from mortgage liens.
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Mortgage lien gives your lender a claim to your property until you pay back your mortgage loan.
A tax lien gives the government or owner of the tax lien certificate claim to the property.
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How Can I Start Investing In Tax Liens?
Have you considered investing in real estate? Tax lien investing is an indirect way of real estate investing. Rather than buying properties, you’re buying tax lien certificates with the hope of a return later.
Considering investing in tax liens? The first place to start is to determine what type of property you want to bid on. Are you interested in single-family homes or commercial properties? It’s important to do your research ahead of time.
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Once you’ve decided to enter a tax lien auction, contact your local tax revenue office to learn about upcoming auctions and receive information about the property liens up for bid.
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The most important step of the process is researching each property. It’s important to understand the property value and current state of the property.
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Make sure you know all of the payment requirements and deadlines before bidding. Finally, make sure you fully understand what’s involved in the foreclosure process, since it may come to that.
 
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How Does Tax Lien Investing Work?
 
Tax lien investing is quite different from the traditional stock market or bond investing you might be used to, so it’s important to understand what you’re getting yourself into.
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1. The Local Municipality Creates A Tax Lien Certificate
 
Local governments charge property taxes to help fund government programs and services. If a homeowner fails to pay their property tax bill, the local government places a lien and creates a tax lien certificate.
This certificate includes information such as the amount of tax due, as well as any interest or penalties.
If the homeowner still doesn’t pay their tax bill (with interest), then the government has the right to foreclose on the home.
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2. The Tax Lien Certificate Is Put Up For Auction
In 28 states, the government can sell tax lien certificates to private investors, which allows them to recoup their losses more quickly. This sale usually happens at a tax lien auction, where the certificate goes to the best bidder.
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To find tax lien investing opportunities near you, contact your local tax revenue office. They’ll have information on local tax lien auctions and can tell you what’s required to participate. Keep in mind that not all states allow for the sale of tax lien certificates, so this may not be an option near you.
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3. Investors Bid On The Tax Lien Certificate
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Depending on the auction, bids may be based on either the cash amount someone is willing to pay for the certificate or the interest rate they’re willing to accept.
 
 In the case of cash offers, a certificate goes to the highest bidder. In the case of interest rate, it goes to the lowest bidder.
Keep in mind that the lower the interest rate you bid on a tax lien certificate, the lower the profit you could potentially receive. 
 
Bidding wars on tax liens can drive the interest rate – and therefore the profit – down.
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4. Winning Investor Takes Control Of The Property
The winning bidder of a tax lien auction takes ownership of the tax lien certificate.
 
This doesn’t technically give them ownership of the property.
 
But it gives them the right to take ownership of the property through foreclosure or be paid back when the homeowner eventually pays their tax bill.
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5. Investor Pays The Amount Of Taxes Owed
When you win a tax lien auction, you’re immediately responsible for paying the tax bill, including any interest or fees owed. Then, the homeowner has a certain period of time before the redemption deadline, by which time they must pay the new investor or risk foreclosure.
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6. Repayment Or Foreclosure
When you purchase a tax lien certificate, there are two potential outcomes: either the homeowner will pay their property taxes, or they won’t.
If the homeowner pays their property taxes, then you make back your initial investment, plus the interest rate you bid at the auction.
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================= Why Invest in Dividend Stocks Via Mutual Funds? Stock gains aren’t the only way to get ahead in the market. A focus on dividend stocks—which you can purchase in bulk through dividend exchange-traded funds (ETFs)—can help you generate another type of return by sharing directly in the profits of a company via regular payouts to your investment account -------- Today, I’m going to help you dive into dividend ETFs. I’ll give you a quick primer on dividend stocks, discuss why you might want to buy dividend funds to get exposure to these stocks
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Why Invest in Dividend Stocks via ETFs?

The best dividend ETFs offer you a way to invest in many of these presumably high-quality stocks with just one purchase....
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As a group, dividend stocks are pretty common, but they’re not created equally. Some companies only pay nominal dividends that are just a penny or two per share, with no prospect for dividend growth anytime soon. Others may offer generous but unsustainable dividend payouts that might be eliminated altogether in the future.

That’s why exchange-traded funds are a good alternative to individual dividend stocks. ETFs spread your money around, rather than force you to rely on one company’s specific strengths and weaknesses...

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Note About Dividend Yields:

A term you’re going to want to familiarize yourself with is dividend yield.

A dividend yield tells you how much of your investment you can expect to get back in the form of dividends. A stock’s dividend yield, for instance, is calculated on an annualized basis, and expressed as a percentage of share price. 

Example: If a stock trades for $50 and pays 25 cents per quarter, that’s $1.00 in annual payouts—or 2.0% of the share price. So its dividend yield is 2.0%

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The place to start if you’re looking for the best dividend ETFs is the Vanguard Dividend Appreciation ETF (VIG). This is the largest dividend ETF by assets, and one of the cheapest funds out there   -----------

The best dividend mutual funds offer investors a way to invest in a group of high-quality stocks that pay above-average dividends with just one purchase.

As a group, dividend stocks are pretty common, but they're not created equally. Sure, you can find some stocks with a good, sustainable yield and growing payouts. But some only pay nominal dividends that are just a penny or two per share, with no prospect for dividend growth anytime soon. 

Others might offer generous but unsustainable dividend payouts that might be eliminated altogether in the future.

That's why mutual funds are a good alternative to individual dividend stocks. These vehicles spread your money around, rather than force you to rely on one company's specific strengths and weaknesses. 

And finding the best stocks capable of consistently paying dividends and enjoying significant future dividend growth can be a daunting task, even for seasoned investors. 

So instead, why not try to gain exposure to dividend-paying stocks via a single, diversified holding that's tasked with finding great companies for you?

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Jack Bogle launched the first Vanguard index fund for U.S. retail investors—the Vanguard First Index Investment Trust, which is now the Vanguard 500 Index Fund Admiral Shares (VFIAX)—and in the four-and-a-half decades that have followed, Vanguard Funds have grown to become the dominant force in index investing.
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If you’re more concerned about a high dividend yield but want to stick with Vanguard ETFs, consider the Vanguard High Dividend Yield Index ETF (VYM).

VYM offers an expanded portfolio of about 460 total stocks and focuses on companies with a history of paying higher-than-average yields.

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Please note that many of the best Vanguard mutual funds also offer an exchange-traded version. Vanguard ETFs also provide instant diversification for extremely low fees, so where appropriate, I've mentioned exchange-traded alternatives for the top dividend funds that Vanguard offers to provide flexibility for those who might need it ------- look at the Vanguard Dividend Appreciation Index Fund Admiral Shares (VDADX) and come away unimpressed.  --------------------------

The iShares Core Dividend Growth ETF (DGRO) is another well-established and cost-effective dividend ETF. And like VIG, it is committed to dividend growth rather than dividend yield.

Specifically, companies in the index must pay a qualified dividend, boast at least five years of uninterrupted annual dividend growth, and have an earnings payout ratio of less than 75%. (This last number means a company can spend no more than 75% of its profits to pay its dividends.)

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A dividend fund that takes the idea of a long dividend-growth track record even farther is the ProShares S&P 500 Aristocrats ETF (NOBL). This ETF focuses on the S&P 500 Dividend Aristocrats—an elite group of stocks that have increased their payouts for at least 25 consecutive years...

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The Global X SuperDividend ETF (SDIV) is what you’ve been waiting for. It prioritizes yield above all else, generating a current payout of more than 10% that’s nearly seven times that of the S&P 500, and roughly three times what 10-year T-notes yield.

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Another way to get higher yield is to focus on the income-producing potential of real estate investments. And you can do that via the Vanguard Real Estate ETF (VNQ).

As the name implies, this dividend ETF is focused solely on real estate investment trusts (REITs) and related investments.

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International dividend stocks are a slightly different animal. 

They’re taxed differently, too. But as you can see by the yield of the iShares International Select Dividend ETF (IDV), international stocks tend to be more generous as a group.

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One of the biggest mistakes investors make is overconfidence.

Many think they're better than average at almost everything.

Over confidence invetors usually make silly mistakes.

NOTE; When investing; price is what you pay, and value is what you get...

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Dividend stocks are great investments for any portfolio, and for a few simple reasons.

Dividends—distributions of cash from a company to its shareholders—are really just a form of profit sharing...

Not all dividend stocks are created equal. So income investors interested in this asset class need to decide how to balance the need for “yield” and the need for stability and consistency in their holdings.

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Perhaps the most important metric in this universe is known as dividend yield. This is a simple financial ratio that tells you the percentage of a company’s share price that is paid out across a year’s worth of dividend distributions.

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Capital gain is asset appreciation, buy low and sell high.
 Capital gain is an economic concept defined as the profit earned on the sale of an asset which has increased in value over the holding period.
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A capital gain is only possible when the selling price of the asset is greater than the original purchase price.
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A long-term capital gain or loss is the gain or loss stemming from the sale of a qualifying investment that has been owned for longer than 12 months at the time of sale and pay less taxes.
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Short-term Capital Gain: short-term gains or losses on investments that are disposed of in less than 12 months time. And pay MORE taxes..
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Past performance is no guarantee of future results. Management and performance of individual accounts may vary for reasons that include the existence of different implementation practices and model requirements in different investment programs

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Knowledge Financial Group - Knowledgefinancial.blogspot.com  is to provide to people and, or investors with investment information which they can hopefully use to become more educated investors. www.facebook.com/knowledgefinancial
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Knowledge Financial Group - knowledgefinancialgroup.blogspot.com  - is there to help investors find new strategies to help manage well thir investments in changing markets, in unpredictable market movents, and in the modern world of finance.

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VISIONONE CAPITAL MANAGEMENT -
We’ve tried to stay close to global expertise just explore every area of investing in the pursuit of happiness, peace of mind. And financial security.
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The Best Dividend Stocks for Beginners...

when it comes to consumer stocks, Coca-Cola (KO) is a powerhouse that’s hard to top.

The Atlanta-based beverage company has a global scale with more than 130 years of operating history, and operations in 200 nations around the world.

-------- Utilities are another sector to consider when looking for the top dividend stocks. Electricity and water are just as important as groceries and cleaning products, and the expensive infrastructure and highly regulated nature of publicly traded utilities means competition is hard to come by.

That’s what makes a stock like Consolidated Edison (ED) so attractive to income investors.

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Generally speaking, tech stocks don’t make for good dividend investments. Most startups need to invest aggressively in new staff or new products rather than share profits with investors, and even established tech companies like Amazon.com (AMZN) 

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What makes Equinix (EQIX) such an interesting dividend stock, however, is that it’s a kind of hybrid between a traditional income investment and a tech operation.

EQIX is what’s referred to as a real estate investment trust, or REIT—a special class of company that involves property owners and operators.

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Johnson & Johnson (JNJ) is a prime example. It is among the 25 largest companies on Wall Street, with a massive brand and more than 135 years of operations. JNJ is also one of the most credit-worthy companies in the world.

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 Microsoft (MSFT) is the other, if you’re curious.

JNJ  = From a dividend perspective, the health care giant has raised its payouts for 61 years running—one of the longest track records on Wall Street, making it an Aristocrat and king in the ring—

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 Prudential Financial (PRU) offers exposure to the financial sector in a different and more subdued way.

While Prudential does offer wealth management services, its core business comes from rather boring business lines such as life insurance and benefit administration for corporations.

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Another top dividend stock that has obvious staying power is Verizon Communications (VZ).

It is the No. 2 wireless carrier in America right now, behind AT&T (T) but ahead of T-Mobile US (TMUS). 

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NOTE: Traders and investors must be humble enough to be ready to exit poor trades before the consequences are too much
, too heavy to handle or for the trading account to bear.
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NOTE: " Take care of your money today in some day it may take of you"
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NOTE: In the investing and trading world you should not only rely on emotions and instincts; having a plan is more than
important. Having an exit strategy is essential. The level of risk tolerance is an exceptional ingredient of the recipe to stay in
the market.
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Discipline is the bridge between goals and accomplishment.
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Opportunity plus preparation equal success..
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Do all companies pay dividends?

Not all companies pay dividends. Some companies choose not to, while other companies cannot afford to...

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How often do companies pay dividends?

The cycle of paying dividends is always different depending on the company. While it’s generally true that most U.S. corporations opt to pay their shareholders a dividend once per quarter, the dates aren’t fixed.

Specifically, one company might pay you on a January-April-July-October payment cycle while another opts for February-May-August-November.

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The oldest rule for thinking about how to start investing money is also the simplest: “Buy low, sell high.” While it seems blindingly obvious and begs the question of why anyone would want to do anything else when investing...

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Consider Equities?
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Equity investors purchase shares of a company with the expectation that they’ll rise in value in the form of capital gains, and/or generate capital dividends. If an equity investment rises in value, the investor would receive the monetary difference if they sold their shares.
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Passive Income Ideas To Increase Your Earnings ...

What is the easiest form of passive income?

The easiest form of passive income is likely investing in index funds or dividend stocks. These options require minimal management, and you can start with a small initial investment while reaping the benefits of compound interest over time.
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     Investors Education Center;

    Further your knowledge and understanding of stocks, mutual funds, bonds and ETFs through our in-depth series of online courses, ranging from investing basics to sophisticated strategies.

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    Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.


    The performance data contained herein represents past performance which does not guarantee future results.


     Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost.


     Current performance may be lower or higher than the performance quoted.

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    Visionone Capital Management - We strive to identify the highest and best uses of capital to generate superior long-term returns... www.visiononecapital.blogspot.com 

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    Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks.

    This and other information may be found in each fund's prospectus or summary prospectus, if available.

    Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained

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Investing is like making your money do the heavy lifting, so you enjoy the fruits of your labor down the road..

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Determine how much you can comfortably save and invest each month.

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Investing is about enjoying today and securing tomorrow which is always remember to pay yourself first

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Investing allows you to unlock the power of compound interest...

Compounding is the process where the earnings on an investment, both the original principal and the accumulated interest or returns generate

additional earnings overtime since time is your best friend in the investment game.

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The earlier you you start, the more time your money has to grow in compounding process.

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Everyone journey is different don't fall in the comparison trap you have your own personal goals and objectives

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Your financial goals, risk tolerance and investment choices are unique to you.

Always do your best to embrace your own journey!

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Investing in technology and communication companies

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Investing in real estate, specially rental properties, and real estate investment trust - REIT

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Investing in drug and health supplement the healthcare sector particularly the pharmaceutical companies.

Look for firms with innovative products and a history of successful drug launches.

The healthcare sector is recession resistance making it an intriguing avenue for long-term investors.

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International investments and currencies open a gateway to a world of diversified opportunities.

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International investing global market investment look for well established companies with track record of stability and growth.

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Consider foreign currencies as an additional layer of diversification.

  1. Lessons To Be Learned When Investing in the stock market by Anthony of: KNOWLEDGE FINANCIAL GROUP = FACEBOOK.COM/KNOWLEDGEFINANCIAL  =/ 

  2. = KNOWLEDGEFINANCIALGROUP.BLOGSPOT.COM

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Investing in stocks - index funds and ETF'S. Investing in individual stock allows you to become a partial owner of a company.

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For a more diversify approach consider the broad market index funds

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ETF provides instant market diversification since you're getting a basket of different type of stocks

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Gold: investing in gold is a strategy apply for centuries to edge against economic uncertainty and inflation.

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