more

Mey here on a beautiful Tuesday morning blogging about one of the biggest concepts I’ve ever come across: MORE

What does MORE mean to you?

When you hear the word MORE do you think positive or negative thoughts?

Honestly, when I used to hear the word more, I thought negative thoughts…

…I used to equate MORE with selfishness, and that if I always wanted more than I would always be chasing happiness or wealth or whatever it was I wanted MORE of, and that I would never be satisfied…

…that is what I thought MORE was all about…

Well, I recently have been taking a class called “Bringing on More”

Mey here on a beautiful Tuesday morning blogging about one of the biggest concepts I’ve ever come across: MORE

What does MORE mean to you?

When you hear the word MORE do you think positive or negative thoughts?

Honestly, when I used to hear the word more, I thought negative thoughts…

…I used to equate MORE with selfishness, and that if I always wanted more than I would always be chasing happiness or wealth or whatever it was I wanted MORE of, and that I would never be satisfied…

…that is what I thought MORE was all about…

Well, I recently have been taking a class called “Bringing on More” which is about becoming a better presenter, and be able to articulate and also let people know about and have the opportunity to register and attend the PSI Basic Seminar

Which is often called the MORE seminar…

My Story of Wanting MORE

…back in January of 2012, a friend named Bob asked me to lunch and when he asked me how I was doing, I started crying!  (really weird response yes?)

…the reason I started crying was because I had overdrafted in my checking account that morning…

…and that was the 2nd time I had overdrafted in a week…

…and I worked at a Bank and I had heard that people who overdraft often are put on a list that goes up to Senior Management…

…and if you overdraft over a certain amount of times, you get fired…

Makes sense right?

Do you want someone working at a bank who doesn’t know how to handle their finances?

I was frustrated, embarrassed and felt like a failure…

Well, Bob was real nice, gave me all of these tissues to wipe my tears and he told me about the PSI Basic Seminar…

He told me he learned tools and techniques there that he’s used to create more money in his life…

…in fact, his finances were great!

I ended up going to the seminar that month, and have used tools such as Screen of the Mind and Intention Mechanism to completely change my financial life…

From January 2012 to now, my Networth has increased over $100,000…

…and so far this year guess how many times I’ve overdrafted?

You got it right!  NONE.

Why Wanting More and Becoming More is Crucial to Life

If you are like me, you might not think that wanting more and becoming more is actually crucial to life…

…I used to think that wanting more means taking from others…that’s simply not true…

…think about a tree…

Quote from Plato on Life and Growth
Quote from Plato on Life and Growth

…a tree will grow as long as it’s connected to it’s roots…

…it will grow higher, create more leaves, it will become thicker…

…that is a tree and that is what life is…

…as soon as you cut the tree from it’s roots, and it stops growing…

…let’s say you cut the tree down and made it into a chair…

…that chair looks pretty stable, and may last a long time, however, everyone knows that it is in the state of decay…

…the wood is not growing anymore, and now it is decaying…

There is no point where a tree reaches a stable state, where it just stays the same…

…there are just 2 states, growth or decay…

…and this is true for all of life…

…so, if I’m looking to be stable, or looking to be comfortable then I am basically giving up on life and wanting to decay…

…when I realized this it was like I was pulled awake…

…so that’s why I always want to grow and learn new things…

…that’s why once I master a job I need to move on to bigger and better things…

…because I’m alive and in order to continue living, I need to grow…

How To Get More of Anything You Want

Is there something in your life that you want to get more of?

I know a lot of people including myself, who want more money…

..and I’ve finally come to realize that it’s a good thing…

wanting more money is a good thing…

…so the next question you probably have is how?

…how do I get more money in my life, and get it now?

…I think we all know if we go out and start working we can earn money and then have more money…

…the big question is, how can I have more money now?

…how can I make it happen faster?

That’s what the MORE seminar, or PSI Basic Seminar, is about…

In 3 days they teach over 80 different tools and techniques that help students get more of whatever it is that they want in their lives…

…and once you take it, you can re-audit as many times as you want, and relearn the tools, for the rest of your life for free…

…and if you don’t get everything you want out of the seminar, you can tell them in writing and they will refund all your money back minus a $50 processing fee…

So, if you do want more in your life, I invite you to attend the PSI Basic Seminar…

…You can find the city closest to you and the best time to take it, as well as register for the next PSI Basic by clicking here

The PSI community has been changing lives for over 43 years!

It’s time to make a change in your life, and CLICK HERE to register for the next PSI Basic Seminar near you, and make more money, and have more of what it is that you truly want sooner.

P.S.

I do not make any money or affiliate income from promoting or from you registering for the PSI Basic Seminar…

…I do volunteer staff, and also get tremendous value from the courses that I have taken with PSI…

…I won’t even know if you registered through this blog, so I won’t even know you are taking this class unless you contact me and let me know…

…my income for my internet business comes from blogging and helping others learn to blog about what they love, and if you want to learn how to make money online then CLICK HERE

A special thanks goes to Mark Tajiri, a truly inspiring PSI instructor, teacher and friend who always says the most positive and inspiring things…

…he helped me have a better understanding of the concept of more

I’m truly grateful for the time he took to teach us how to Bring on More, and his care and service to the community =)

Thank you Mark!

 

 

 

 

 

Dividend Stock Review of ETP: ENERGY TRANSFER PARTNERS L P

It’s a windy evening in Honolulu Hawaii, and I’m in a cafe with my Mom blogging a review of a potentially high dividend yielding stock ETP – Energy Transfer Partners LP...

If you are interested in Financial Freedom, you might be like me and are interested in creating more and more passive income for yourself…

…well, I’ve been investing for dividends for over 5 years now and it’s been a bit of trial and error, and also has motivated to research all of the best higher yielding stocks available…

…so let’s dive into today’s pick, ETP – Energy Transfer Partners LP!

ETP is earning 12.81% so should you invest in this company?

Read on to find out more…

It’s a windy evening in Honolulu Hawaii, and I’m in a cafe with my Mom blogging a review of a potentially high dividend yielding stock ETP – Energy Transfer Partners LP...

If you are interested in Financial Freedom, you might be like me and are interested in creating more and more passive income for yourself…

…well, I’ve been investing for dividends for over 5 years now and it’s been a bit of trial and error, and also has motivated to research all of the best higher yielding stocks available…

…so let’s dive into today’s pick, ETP – Energy Transfer Partners LP!

ETP is earning 12.81% so should you invest in this company?

Read on to find out more…

Energy Transfer Partners LP (Tickler Symbol: ETP)

Let’s get straight to the point, as of today 4-11-16 ETP is yielding 12.81% on a quarterly basis, and the last dividend earnings date was on 2/16/16.

The price per share at close of trading was $32.37, and it’s lowest price in the last 52 weeks occurred on 2/9/16 at $18.62, which was 5 days after the ex-dividend date on 2/4/16.

The highest price in the last 52 weeks was $59.37 on 5/1/15, so over the last year the price has decreased by roughly 50%.

From 1997 to 2000 the price averaged at $10/share, after which it steadily increased as high as $64.79/share on 1/1/2015.

Financials for the company can be accessed here

Etrade describes ETP as follows:

“Energy Transfer Partners, L.P. is a master limited partnership. The Company’s operating segments include Intrastate Transportation and Storage segment; Interstate Transportation and Storage segment; Midstream segment; Liquids Transportation and Services segment; Investment in Sunoco Logistics segment; Retail Marketing segment and All Other segment. It is engaged in natural gas operations, including natural gas midstream and intrastate transportation and storage, and interstate natural gas transportation and storage; Liquids operations, including NGL transportation, storage and fractionation services; product and crude oil operations, including product and crude oil transportation, terminalling services and acquisition and marketing activities and retail marketing of gasoline and middle distillates. It is managed by its general partner Energy Transfer Partners GP, L.P. Its brands include Sunoco, Stripes, Aplus, Aloha Island Mart, Exxon, Valero, Mobil, Shell and Chevron, among others.”

J.P. Morgan’s Review of ETP

Per TheStreet J.P. Morgan put out the following favorable review of ETP: “Double digit distribution secure, market underappreciates ETE support. We believe ETP has outlined a clear path to funding needed through YE16, after which ETP should start to realize the benefit of the ~$10bn of projects under construction. The ~$2.2bn drop down to SUN announced at the recent Analyst Day pre-funds nearly 70% of planned 2016 equity needs, with the potential for non-core asset sales and/or IDR waivers on future equity issuance to cover the balance. ETE’s growth depends upon a strong ETP, and we believe ETE will do what it takes to defend ETP.”

I looked up information on (ETE) ENERGY TRANSFER EQUITY L P COM UT LTD PTN and here is what Etrade has to say about it:

“Energy Transfer Equity, L.P. (ETE) is a limited partnership company. The Company, directly and indirectly, owns equity interests in Energy Transfer Partners, L.P. (ETP) and Regency Energy Partners LP (Regency), both of which are master limited partnerships engaged in diversified energy-related services. Its segments include Investment in ETP, including the consolidated operations of ETP and Regency; Investment in Lake Charles LNG, including the operations of Lake Charles LNG Company, LLC (Lake Charles LNG), and Corporate and Other, including the activities of ETE. The Company’s Lake Charles LNG provides terminal services for shippers by receiving liquefied natural gas (LNG) at the facility for storage and delivering such liquefied natural gas (LNG) to shippers. It, through ETP, operates various brands, such as Sunoco, Stripes, Aplus, Aloha Island Mart, Exxon, Mobil, Valero, Shell and Chevron. In March 2015, ETE transferred its 45% interest in the Bakken Pipeline project to ETP.”

Upon further research, I found that in early April a lawsuit was filed against ETE, by it’s potential merging partner Williams Cos.  The dispute is over the offering of preferred shares of ETE to ETE’s stockholder’s, without including Williams’ stockholders.

It is unclear how to lawsuit will pan out and whether their merger will be successful.

TheStreet’s review pointed up some valid points regarding the strengths and weaknesses of ETP.

  • Net operating cash flow has significantly increased by 104.27% to $860.00 million when compared to the same quarter last year. In addition, ENERGY TRANSFER PARTNERS -LP has also vastly surpassed the industry average cash flow growth rate of -26.50%.
  • Along with the very weak revenue results, ETP underperformed when compared to the industry average of 36.8%. Since the same quarter one year prior, revenues plummeted by 55.8%. Weakness in the company’s revenue seems to have hurt the bottom line, decreasing earnings per share.
  • Despite any intermediate fluctuations, we have only bad news to report on this stock’s performance over the last year: it has tumbled by 46.65%, worse than the S&P 500’s performance. Consistent with the plunge in the stock price, the company’s earnings per share are down 77.27% compared to the year-earlier quarter. Although its share price is down sharply from a year ago, do not assume that it can now be tagged as cheap and attractive. The reality is that, based on its current price in relation to its earnings, ETP is still more expensive than most of the other companies in its industry.
  • The debt-to-equity ratio of 1.30 is relatively high when compared with the industry average, suggesting a need for better debt level management. Along with the unfavorable debt-to-equity ratio, ETP maintains a poor quick ratio of 0.86, which illustrates the inability to avoid short-term cash problems.

Conclusion – Reasons I’m Not Going To Recommend Investing in ETP

After this review of the current conditions surrounding ETP, I personally would not invest in this company.

My reasons are that the litigation against it’s parent company ETE show ineffective communication between potential business partner Williams Cos.

Also, the revenues for the company dropped substantially in the past year, perhaps due to the drop in the price of gasoline.

In general, the energy market seems to be a little too uncertain for me to invest in at this point.

There could be a large shift away from fossil fuels in the near future that could almost wipe out the profits of this type of fossil fuel company.

What are your thoughts? Want to invest in ETE? Let us know by writing in a comment!
 

How Much Would You Save in Taxes if You Made Less Money

…the other day I asked my accountant “How Much Would I Save in Taxes if I Made Less Money”?

…specifically, I had her show me the difference in the taxes our family would pay now and if I wasn’t working my job…

…my husband and I both work jobs now…

…and not surprisingly, we would drop a tax bracket, and we would pay $7,000 less in taxes if I hadn’t worked last year…

…the other day I asked my accountant “How Much Would I Save in Taxes if I Made Less Money”?

…specifically, I had her show me the difference in the taxes our family would pay now and if I wasn’t working my job…

…my husband and I both work jobs now…

…and not surprisingly, we would drop a tax bracket, and we would pay $7,000 less in taxes if I hadn’t worked last year…

How Much Money Are You Really Making At A Job?

The reason I asked my accountant this question is because my husband makes a lot more money in his job than I do…

…so, it may be more cost effective if I didn’t work a job and concentrated more on my business, on investing our money for dividends and my family…

…Why would that be the case?

Read on to find out more…

Business Income vs. Employment Income

…so one of my options, instead of working a job, would be to spend more time on my business…

…since our business income increases when we make more sales, we can make more money in our business than in a job…

…for example, in my job, I make $2/sale…

…however, in my business, I can make up to $2,000+ per sale…

…in addition, business income is not taxable in the same way as salary or job income…

…business income is taxed only after business expenses are deducted…

…business expenses include the space where you do business, and if your business is from home, then it would be the portion of your home that is dedicated to your business, your wage from your business…

…it would also include any phone or internet service charges…

For a detailed list of business expense deductions CLICK HERE

…so it’s probably becoming clear that there are tax advantages to making money in a business…

…in addition to these advantages, I enjoy running my business…

…and I enjoy learning internet marketing, blogging and researching financial freedom…

…if you have a talent or interest in a particular niche, you can also start an internet blogging business, with very little upfront cost, CLICK HERE to learn more…

…I know other friends who have businesses, like baking wedding cakes, making leaf pressed stationary, personal training, writing books…

…whatever your business, you can improve it, leverage it, and increase income and make it more successful…

Dividend Income vs. Employment Income

…another option for me, instead of spending time at my job, would be to spend more time researching dividend paying stocks…

…first reason to spend time increasing dividends is because it’s fun, and I really enjoy growing our personal income through investing…

…second reason I like spending time increasing our dividend income: because it’s income that is not dependent on my job, and to me it’s more stable than job income…

…if you do it right…

…also, dividend income may not be taxed the same as employment income, depending on the type of dividend and also on your tax bracket, according to a Wells Fargo article for 2016:

“For tax purposes, dividends are considered either “qualified” or “nonqualified.” Qualified dividends are:

Tax-free for those in the 10% and 15% brackets to the extent qualified dividend income remains within those brackets
Taxed at a 15% rate for those in the 25% up to 35% tax brackets
Taxed at a 20% rate for higher income taxpayers whose income surpasses the 35% tax bracket
Nonqualified dividends are taxed at the same rates as ordinary income (currently a 39.6% maximum).”

So in determining if you should work less, take into account if you are growing your dividend income…

Time With Family vs. Employment Income

Let’s pretend you are on your deathbed, and you are thinking back on the most important moments of your life…

…most people will think back to happy times with their family…

…when their son or daughter first said “Daddy” or “Mommy”…

…or their first softball game…

…or their wedding day…

…these precious moments when we are spending quality time with our parents, siblings, children…

…these are the most cherished moments of our lives…

…and yet many people spend time away from their families doing unmemorable things at their jobs…

…some people don’t even know their own children because they are so caught up in their work life, that they are hardly ever home…

…it may be the case that the money that I’m making at my job is not worth the time away from my family…

…I’ve met plenty of people who couldn’t bear sending their kids to be raised by strangers, and left their jobs to raise their own children…

…some are internet entrepreneurs, some are spouses who have enough money with the other spouse working…

…so another option for me is to quit so that I can spend more time with my son, with my Mom and husband, and building a happy and healthy family…

Conclusion

I believe that anyone can become financially free, and it doesn’t matter what your profession is or your educational background…

…all that matters is that you decide you want it and you follow the steps to attain it (CLICK HERE FOR THE STEPS TO FOLLOW)…

…share this article with a friend and spread financial freedom throughout the world =)

 

7 Most Common Mistakes People Make With Their Money Before They Die

Today’s post is on the 7 Most Common Mistakes People Make With Their Money Before They Die

Do you know where your money goes when you die?

That’s a question that all the wealthy people I know have thought of a great deal…

…if you want to be financially free then you need to think about this question…

…where is your money?

…where will it go if you were to die today?

Today’s post is on the 7 Most Common Mistakes People Make With Their Money Before They Die

Do you know where your money goes when you die?

That’s a question that all the wealthy people I know have thought of a great deal…

…if you want to be financially free then you need to think about this question…

…where is your money?

…where will it go if you were to die today?

An Unplanned Death

…if you died today and had done nothing about your money and things…

Let’s be honest and think about what would really happen…

…your family and loved ones would be sad and mourn your death…

…they would have to plan the funeral, clean up your things from your work or in your home…

…they would have to plan for the funeral…

… then they would have to pay for your funeral…

…and as they cleaned out your stuff they would figure out what you have left behind…

…maybe it’s debts, and later on debt collectors start calling…

…maybe it’s your house, car, or jewelry…

…maybe you have stocks or investments…

…a savings or checking account…

…if your spouse is not joint on these accounts, then they will have to get access to the money by going to the bank with your death certificate…

…if it is a lot of money, they will have to go through the court and a legal process called probate…

…and they will have to pay the legal fees to do that…

…and at the end of the year, they will have to pay taxes on anything you left behind (about 40%!!!)…

…that includes all of your investments, money, jewelry, valuables…

…and if there’s a fight over what you have and who should have it, then all chaos breaks loose…

Mistake #1 – You Do Not Have a Will or a Trust

…if you have a will or a trust, now your loved ones know what you wanted to do with your things…

…they will know if you wanted to give money to your spouse, children, or grandchildren, or a charity…

…they will also know how you want to be buried, if you want to be cremated…

…and, they will know any other parting thoughts that you wanted to tell them…

…if you have a lot of money and would be taxed at the higher estate tax, then you probably know all of this already and have a trust…

…a trust allows you to keep your money and property in a business entity called a trust…

…the trust states who will be the trustee of your trust, and also what the trustee will do with the items in your trust…

…usually you are the trustee of your own trust until you die…

…after your death, the successor trustees take control of the trust by providing proof of your death or incapacity…

…with a trust, your successor trustee doesn’t have to go to court to follow your wishes…

…they just need to prove your death and accept the appointment of trustee…

Mistake #2 – You Didn’t Update Your Beneficiaries on Your Retirement Plan

One of the most tragic mistakes that I have witnessed was when a co-worker of mine at a bank passed away and didn’t update the beneficiaries to their 401K!

…you would think a banker would know better!

…so their 401K did not go to their current spouse, it went to their ex-wife…

…have you updated the beneficiaries on your IRA, 401K or other retirement plans?

Mistake #3 – You Didn’t Update Your Beneficiaries on Your Life Insurance

…this is the same mistake as I just mentioned…usually if you didn’t update your retirement plan, you also didn’t update your life insurance…

…what if your life insurance goes to your ex-wife, or to your mother or sister, instead of to your wife or husband?

…do you know who your beneficiaries are on your insurance plans?

Mistake #4 – You Didn’t Let Your Relatives Know About Your Safe Deposit Box And Bank Accounts

If you have a Safe Deposit Box with valuable documents in it, such as your will or trust, then you need to let your relatives know that you have it, so they can find it!

If you don’t, and no one comes to claim it, eventually the bank has to drill it open and give the contents to the State…

The same happens to your bank accounts…if your relatives don’t know you have accounts at a certain bank, then they will not go to claim it when you die…

…so the bank will eventually close it down due to inactivity and again, it will go to the state…

You need to let your loved ones know where your money and valuables are!

Mistake #5 – You Don’t Have Any Life Insurance

This is a common mistake that can completely change the future of your spouse and children…

…I’ve seen kids have to leave their private schools because the family can no longer afford to go there…

…they have to sell their house, because they cannot afford the mortgage to live there…

…a spouse that was a full time homemaker now has to work or apply for welfare…

…it’s important to protect your family, and it doesn’t matter if you are the main bread winner or the homemaker…

…because a homemaker also provides over $100K a year worth in services such as cooking, house cleaning, driving the kids to school and sports, shopping that you will probably have to hire other people to help you do…

…or you will have to sacrifice a clean house, after school activities…etc.

If you have a family, you need to have life insurance…

Mistake #6 – You Left Behind Debts That Your Family Has To Pay

…I remember when I was in my graduate program at National Chung Cheng University in Taiwan, and one of the undergraduates in my Kung Fu club had to drop out of College when their father died…

…he was really good at Kung Fu and enjoying his classes at the time and it was a big disappointment for us to see him go…

…he left because when his father passed away, they found out that he had left large debts that had to be paid to various creditors…

…so he had to go home and work to support the family and pay off their father’s debts…

…I have also have a friend here in Hawaii who had to apply for bankruptcy because of a large debt that her ex-husband had…

…she didn’t find out about it until after the divorce and the creditors started chasing her for the money…

…if you have a lot of debt, then it’s important you get life insurance to cover the debts in case you pass away…

…otherwise your family is going to have to pay…

Mistake #7 – A Large Portion of Your Money Goes To The Government In Estate Taxes

…if you had no plan, or even just a will and no trust, and you had a house that was valued over $250,000.00, or monies and valuables worth more than the limit for estate taxes…

Then your decendents have to pay a 40% estate tax…

…that’s a lot of tax!

…so you will then force your decendents to sell your house just to pay taxes…

…and that doesn’t even include the legal fees they will need to pay in the whole court process (which is called probate)…

Conclusion

…when you die, are you going to create a burden for those that you love or are you going to be a help?

…if you do your estate planning, and execute a will or a trust, it will be more likely that when you die, your loved ones will know what to do with your money and your possessions…

…in the end, your family will be better off, happier and at peace…

…and if you have made a large fortune, then the community and the world will also be of benefit…

…as long as you have the right plan in place…

P.S.

I blog about money and financial freedom because I believe everyone can be financially free…

…I believe the world would be a better place with people who enjoy more time with their family, and spend less time working for money…

…and I believe when we have that freedom to do the work that we love, the world will get more value and we will live better quality lives…

…do you have something that you would love to teach others?

…are you highly skilled in some area of your life?

…then consider teaching others your talents and leaving a legacy on the internet…

…and make money doing it at the same time!

CLICK HERE, enter your best e-mail, and watch the free video to get started!

 

21 Stocks Yielding Over 21% Annually – Earn High Dividends

Have you ever heard of stocks that are paying high dividends of upwards 90%+?

Well, there are stocks that are paying high dividends and here are 21 stocks paying over 21% in dividends…

In order to succeed in high dividend investing, you need to understand more than just the annual percentage yield quoted as of today February 23, 2016 (which is the quote in this post)…

…you need to know that this stock will continue paying high dividends…

…now there are no guarantees that these stocks will continue to pay out high dividends…

…the company might fail tomorrow due to all sorts of factors…

…what you need to do is research each company, maybe even visit their headquarters and see what is really going on in their daily business…

…read their financial reports, annual report, and other investor documents available on their websites…

…understand what they are doing and understand the history of their earnings and dividend payouts…

In this post, I did some initial research and labeled each stock with not only the APY and how often they pay their dividends (quarterly means they pay every three months)…

I also listed whether the stock price over time is STABLE, VOLATILE or FALLING…

…in my personal experience, if a stock price is falling, that means the actual dividend that you earn is also falling over time…

…so I personally wouldn’t invest in a stock that has a falling purchase price…

…check out this list of high dividend yielding stocks of over 21% and see which one I invested in today…

Have you ever heard of stocks that are paying high dividends of upwards 90%+?

Well, there are stocks that are paying high dividends and here are 21 stocks paying over 21% in dividends…

In order to succeed in high dividend investing, you need to understand more than just the annual percentage yield quoted as of today February 23, 2016 (which is the quote in this post)…

…you need to know that this stock will continue paying high dividends…

…now there are no guarantees that these stocks will continue to pay out high dividends…

…the company might fail tomorrow due to all sorts of factors…

…what you need to do is research each company, maybe even visit their headquarters and see what is really going on in their daily business…

…read their financial reports, annual report, and other investor documents available on their websites…

…understand what they are doing and understand the history of their earnings and dividend payouts…

In this post, I did some initial research and labeled each stock with not only the APY and how often they pay their dividends (quarterly means they pay every three months)…

I also listed whether the stock price over time is STABLE, VOLATILE or FALLING…

…in my personal experience, if a stock price is falling, that means the actual dividend that you earn is also falling over time…

…so I personally wouldn’t invest in a stock that has a falling purchase price…

…check out this list of high dividend yielding stocks of over 21% and see which one I invested in today…

21 Stocks Yielding Over 21% Annually

1) 57.47% quarterly falling SDT – SandRidge Mississippian Trust I (The Trust) is a statutory trust formed pursuant to a trust agreement by and among SandRidge Energy, Inc. (SandRidge) as Trustor, The Bank of New York Mellon Trust Company, N.A. as Trustee (the Trustee) and The Corporation Trust Company as Delaware Trustee (the Delaware Trustee). The Trust holds Royalty Interests in specified oil and natural gas properties located in the Mississippian formation in Alfalfa, Garfield, Grant and Woods counties in Oklahoma (the Underlying Properties). As of December 31, 2014, the Trust’s properties consisted of Royalty Interests in the Initial Wells and 121 additional wells (equivalent to approximately 124 Trust Development Wells under the development agreement). The Royalty Interests are in properties producing from the Mississippian formation in Oklahoma. The Mississippian formation is a carbonate hydrocarbon system located on the Anadarko Shelf in northern Oklahoma and Kansas.

2) 52.53% quarterly volatile CEQP – Crestwood Equity Partners LP develops, acquires, owns and operates primarily assets and operations within the energy midstream sector. The Company operates through three segments: gathering and processing segment, which provides natural gas gathering, processing, treating and compression services to producers in shale plays located in West Virginia, Wyoming, Texas, Arkansas, New Mexico and Louisiana; Storage and Transportation segment, which owns and operates natural gas storage facilities with an aggregate working gas storage capacity of approximately 79.3 billion cubic feet per day (Bcf/d), including its 50.01% interest in Tres Palacios Gas Storage Company LLC, and NGL and crude services segment, which includes crude oil rail terminals, the Arrow gathering system, its fleet of over-the-road crude oil and produced water transportation assets, an NGL storage facility, and US Salt, LLC.

3) 92.12% quarterly falling SDLP – Seadrill Partners LLC owns, operates and acquires offshore drilling rigs. The Company’s drilling units are under long-term contracts with oil companies, such as Chevron, BP, ExxonMobil and Tullow. The Company provides services to these customers with its fleet. The Company’s fleet consists of the semi-submersible West Aquarius, West Capricorn, West Leo, West Sirius; the semi-tender West Vencedor; the tender rig T-15 and T-16; the drillship West Auriga, West Vela, and West Capella. The Company provides drilling services on a dayrate contract basis.

4) 66.39% quarterly falling SDR – SandRidge Mississippian Trust II is a statutory trust formed pursuant to a trust agreement by and among SandRidge Energy, Inc. (SandRidge), as Trustor, The Bank of New York Mellon Trust Company, N.A., as Trustee (the Trustee), and The Corporation Trust Company, as Delaware Trustee (the Delaware Trustee). The royalty interests conveyed by SandRidge from its interests in certain properties in the Mississippian formation in northern Oklahoma and southern Kansas and held by the Trust are referred to as the Royalty Interests. The Trust holds Royalty Interests in specified oil and natural gas properties in the Mississippian formation in Alfalfa, Grant, Kay, Noble and Woods counties in northern Oklahoma and Barber, Comanche, Harper and Sumner counties in southern Kansas (the Underlying Properties). As of December 31, 2014, the area of mutual interest (AMI) consisted of approximately 48,400 gross acres (38,200 net acres) in the counties where the Underlying Properties were located.

 5) 27.01% quarterly volatile/falling CPLP – Capital Product Partners L.P. is an international owner of tanker, container and drybulk vessels. As of December 31, 2014, the Company’s fleet consisted of 30 vessels with 2.1 million deadweight tonnage (dwt) capacity, including four Suezmax crude oil tankers, 18 medium range (MR) tankers, all of which are classed as International Maritime Organization (IMO) II/III vessels, seven post-panamax container carrier vessels and one Capesize bulk carrier. Its vessels are capable of carrying a range of cargoes, including crude oil, refined oil products, such as gasoline, diesel, fuel oil and jet fuel, edible oils and certain chemicals, such as ethanol, as well as dry cargo and containerized goods. The Company provides marine transportation services under medium to long-term time charters or bareboat charters with various counterparties, such as Maersk Line, BP Shipping Limited, Overseas Shipholding Group Inc., Engen Petroleum Ltd., Repsol Trading S.A. and SUBTEC S.A. de C.V.
6) 27.39% quarterly falling CVRR – CVR Refining, LP is an independent downstream energy limited partnership. The Company has refining and related logistics assets that operate in the mid-continent region. It owns two refineries in the underserved Group 3 of the PADD II region of the United States. It owns and operates a full coking medium-sour crude oil refinery in Coffeyville, Kansas and a crude oil refinery in Wynnewood, Oklahoma. In addition, the Company also controls and operates supporting logistics assets, including owned and leased pipelines, owned crude oil transports, a network of crude oil gathering tank farms, owned and leased crude oil storage capacity and combined refinery related storage capacity. It processes a variety of crudes, including West Texas sour (WTS), West Texas intermediate (WTI), sweet and sour Canadian, and locally gathered crudes. The Company offers refined products primarily to retailers, railroads and farm cooperatives and other refiners/marketers in Group 3 of the PADD II region.
7) 35.35% quarterly falling OXLC – Oxford Lane Capital Corp. is a non-diversified, closed-end management investment company. The Fund’s investment objective is to maximize its portfolio’s risk adjusted total return. The Company’s focus is to seek that return by investing in structured finance investments, specifically collateralized loan obligation (CLO) vehicles, which primarily own senior secured corporate loans. Its investment strategy also includes investing in warehouse facilities, which are financing structures intended to aggregate loans that may be used to form the basis of a CLO vehicle. It may also invest, on an opportunistic basis, in corporate debt securities on a direct basis and a range of other corporate credits. It makes purchasing in both the primary and secondary markets the income notes and subordinated notes and junior debt tranches of various CLO vehicles and the equity tranches of various warehouse facilities. Oxford Lane Management, LLC (OXLC Management) is the investment adviser of the Fund.
8) 34.34% quarterly falling SXCP – SunCoke Energy Partners LP is engaged in manufacturing coke used in the blast furnace production of steel. The Company operates its business through two segments: Domestic Coke and Coal Logistics. The Company’s coke making ovens utilize heat recovery technology designed to combust the coal’s volatile components liberated during the coke making process and uses the resulting heat to create steam or electricity for sale. The Company is also engaged in coal handling and blending services through the Company’s interests in Lakeshore Coal Handling Corporation (Lake Terminal), located in East Chicago, Indiana, which provides coal handling and blending services to its Indiana Harbor coke making operations, and Kanawha River Terminals. Kanawha River Terminals is a metallurgical and thermal coal blending and handling terminal service provider with collective capacity to blend and transload approximately 30 million tons of coal annually through its operations in West Virginia and Kentucky.
9) 53.21% quarterly falling CHKR – Chesapeake Granite Wash Trust (the Trust) is a trust formed to own royalty interests for the benefit of Trust unit holders conveyed to the trust by Chesapeake Energy Corporation (Chesapeake). The royalty interests held by the Trust (Royalty Interests) are derived from Chesapeake’s interests in specified oil and natural gas properties located in the Colony Granite Wash play in Washita County in the Anadarko Basin of western Oklahoma. Chesapeake conveyed the Royalty Interests to the Trust from its interests in 69 existing horizontal wells (Producing Wells) and Chesapeake’s interests in 118 horizontal development wells (Development Wells) to be drilled on properties within the Area of Mutual Interest (AMI). The AMI lies within Washita County in western Oklahoma and is limited to only the Colony Granite Wash formation, where Chesapeake holds approximately 45,400 gross acres (28,700 net acres) as of December 31, 2014.
10) 41.57% quarterly falling CCLP – CSI Compressco LP, formerly Compressco Partners, L.P., is a provider of compression services and equipment for natural gas and oil production, gathering, transportation, processing and storage. The Company fabricates and sells custom-designed compressor packages and oilfield fluid pump systems, and provides aftermarket services and compressor package parts and components manufactured by third-party suppliers. It provides these compression services and equipment to a base of natural gas and oil exploration and production, midstream and transmission companies. It is a service provider of natural gas compression services, utilizing its fleet of compressor packages that employs a spectrum of low-, medium- and high-horsepower engines. Its applications include gas gathering, gas lift, carbon dioxide injection, wellhead compression, gas storage, refrigeration plant compression, gas processing, pressure maintenance, pipeline transmission, vapor recovery and gas transmission, among others.
11) 33.17% quarterly falling FELP – Foresight Energy LP (FELP) is engaged in the mining and marketing of coal from reserves and operations located in the Illinois Basin. The Company controls over three billion tons of coal in the state of Illinois. Its reserves consist principally of three contiguous blocks of high heat content (high Btu) thermal coal, which are used for longwall operations. Thermal coal is used by power plants and industrial steam boilers to produce electricity or process steam. The Company operates four underground mining complexes in the Illinois Basin: Williamson Energy, LLC (Williamson), Sugar Camp Energy, LLC (Sugar Camp), Hillsboro Energy, LLC (Hillsboro) and Macoupin Energy, LLC (Macoupin). Each of the Company’s four mining complexes operates in the Illinois Basin; two are located in Southern Illinois and two are located in Central Illinois. Williamson, Sugar Camp and Hillsboro are longwall operations, and Macoupin is a continuous miner operation.
12) 64.04% quarterly falling PER – Sandridge Permian Trust is a statutory trust formed under the Delaware Statutory Trust Act pursuant to a trust agreement by and among SandRidge Energy, Inc. (SandRidge), as Trustor, The Bank of New York Mellon Trust Company, N.A., as Trustee (the Trustee), and The Corporation Trust Company, as Delaware Trustee (the Delaware Trustee). The Trust holds Royalty Interests in specified oil and natural gas properties in the Permian Basin located in Andrews County, Texas (the Underlying Properties).
13) 32.16% quarterly falling MEP – Midcoast Energy Partners, L.P. is a natural gas and natural gas liquids (NGL) midstream company operating in the United States. The Company is publicly traded growth-oriented Delaware limited partnership that serves as Enbridge Energy Partners, L.P.’s (EEP’s) primary vehicle for owning and operating its natural gas and NGL midstream business in the United States. The Company operates through two segments: Gathering, Processing and Transportation, and Logistics and Marketing. The Company’s gathering, processing and transportation segment is engaged in gathering, processing and transporting natural gas and NGL. The logistics and marketing segment primarily markets natural gas, NGLs and condensate. The Company owns 51.6% controlling interest in Midcoast Operating, L.P. (Midcoast Operating), a Texas limited partnership that owns a network of natural gas and NGL gathering and transportation systems, natural gas processing and treating facilities, and NGL fractionation facilities.
14) 32.04% quarterly falling APLP – Archrock Partners LP, formerly Exterran Partners, L.P., provides natural gas contract operations services. The Company’s contract operations services include designing, sourcing, owning, installing, operating, servicing, repairing and maintaining equipment to provide natural gas compression services to its customers. It provides contract operations services, including the personnel, equipment, tools, materials and supplies. The Company’s general partner, Exterran General Partner, L.P., conducts the Company’s business and manages its operations, which are conducted through its wholly owned limited liability company, EXLP Operating LLC. It caters to companies engaged in various aspects of the oil and natural gas industry, including natural gas producers, processors, gatherers, transporters and storage providers. Some of its customers are also Exterran Holdings’ contract operations services customers.
15) 31.49% quarterly falling CNX – Coal Resources LP is a producer of thermal coal. The Company is formed by CONSOL Energy Inc. (CONSOL Energy) to manage and develop all of its thermal coal operations in Pennsylvania. Its initial assets include around 20% undivided interest in and operational control over, CONSOL Energy’s Pennsylvania mining complex, which consists of around three underground mines and related infrastructure that produce bituminous thermal coal that is sold primarily to electric utilities in the eastern United States. Its Pennsylvania mining complex, which includes the Bailey mine, the Enlow Fork mine and the Harvey mine, has coal reserves. The Company mines its reserves from the Pittsburgh No. 8 Coal Seam, which is a contiguous formation of uniform, thermal coal. The Pennsylvania mining complex includes around 785.6 million tons of coal reserves with an average gross heat content of approximately 13,000 British thermal units per pound and an average sulfur content of around 2.38%.
16) 31.18% quarterly falling JPEP – JP Energy Partners LP (JP Energy Partners) owns, operates, develops and acquires a portfolio of midstream energy assets in the United States. The Company operates through four segments: Crude Oil Pipelines and Storage, Crude Oil Supply and Logistics, Refined Product Terminals and Storage, and NGL Distribution and Sales. The Company’s crude oil businesses are situated in areas, including the Permian Basin, Mid-Continent and Eagle Ford shale. The Crude Oil Supply and Logistics segment manages the physical movement of crude oil origination to final destination. The Refined Product Terminals and Storage segment consists of two refined products terminals located in North Little Rock, Arkansas and Caddo Mills, Texas. The NGL Distribution and Sales segment includes its propane cylinder exchange business and the retail, commercial and wholesale sale of NGLs and other refined products. The Company markets its propane cylinder exchange business under the Pinnacle Propane Express.
17) 28.48% quarterly falling CLMT – Calumet Specialty Products Partners, L.P. (Calumet) is a producer of specialty hydrocarbon products in North America. The Company’s segments include specialty products, fuel products and oilfield services. In its specialty products segment, it processes crude oil and other feedstocks into a range of customized lubricating oils, white mineral oils, solvents, petrolatums and waxes. It also blends and market specialty products through Royal Purple, Bel-Ray, TruFuel and Quantum brands. In its fuel products segment, it processes crude oil into a range of fuel and fuel-related products, including gasoline, diesel, jet fuel, asphalt and heavy fuel oils, as well as reselling purchased crude oil to third party customers. Its oilfield services segment manufactures and markets products and provides oilfield services, including drilling fluids, completion fluids, production chemicals and solids control services to the oil and gas exploration industry throughout the United States.
18) 30.53% quarterly falling AMID – American Midstream Partners, LP owns, operates, develops and acquires a diversified portfolio of midstream energy assets. The Company gathers, treats, processes and transports natural gas, fractionates natural gas liquids (NGLs) and stores specialty chemical products through its ownership and operation of 12 gathering systems, five processing facilities, three fractionation facilities, three interstate pipelines, five intrastate pipelines and four marine terminal sites. The Company operates through three segments: Gathering and Processing, Transmission and Terminals. The Gathering and Processing segment gathers, processes, transports and treats natural gas. The Transmission segment transports natural gas. The Terminals segment provides above-ground storage services at the Company’s marine terminals that support commodity brokers, refiners and chemical manufacturers, to store a range of products, including petroleum products, distillates, chemicals and agricultural products.
19) 29.48% quarterly falling AHGP – Alliance Holdings GP, L.P. (AHGP) owns directly and indirectly 100% of the members’ interest in Alliance Resource Management GP, LLC (MGP). MGP is a managing general partner of Alliance Resource Partners, L.P. (ARLP). The ARLP Partnership is a diversified producer and marketer of coal primarily to United States utilities and industrial users. The Company operates in four segments: Illinois Basin, Appalachia, White Oak, and Other and Corporate. The ARLP Partnership operates in the eastern U.S. as a producer and marketer of coal to major utilities and industrial users. The ARLP Partnership operates ten underground mining complexes in Illinois, Indiana, Kentucky, Maryland and West Virginia. The ARLP Partnership also operates a coal loading terminal on the Ohio River at Mt. Vernon, Indiana.
20) 28.94% quarterly falling NGL – Energy Partners LP is a limited partnership company that is a vertically-integrated service provider. The Company operates through the following segments: Crude oil logistics, which purchases crude oil from producers and transports it for resale at owned and leased pipeline injection stations, storage terminals, barge loading facilities, rail facilities, refineries and other trade hubs; the water solutions segment, which includes water treatment and disposal facilities; the liquids segment, which purchases propane, butane and other products from refiners, processing plants, producers and other parties, and sells the products to retailers, refiners, petrochemical plants and other participants in the wholesale markets; the retail propane segment, which is engaged in the retail marketing, sale and distribution of propane and distillates; the refined products and renewables segment, which conducts gasoline, diesel, ethanol and biodiesel marketing operations, and corporate and other.
21) 29.18% quarterly volatile NRF – NorthStar Realty Finance Corp. is a commercial real estate company. The Company invests in multiple asset classes across commercial real estate (CRE). Its portfolio consists of healthcare, hotel, manufactured housing communities, net lease, multifamily properties and international real estate, with a focus on Europe. It also invests in other opportunistic real estate investments, such as indirect interests in real estate through real estate private equity funds. The Company also acquires hotel and certain healthcare properties through structures permitted by the real estate investment trust (REIT) investment diversification and empowerment. The Company’s segments include Real Estate, Commercial Real Estate Debt (CRE debt), Commercial Real Estate Securities, N-Star CDOs and Corporate. Its real estate equity investments that operate under the RIDEA structure generate resident and hotel guest related income from short-term residential agreements.

Conclusion

 After a thorough review of these 21 high yield stocks there were really only 2 that I would consider investing in myself, which was NRF and and CEQP…
…and the reason is that they have share prices that go up and go down (both are on the down now)…
…after some deliberation and a little meditation I bought 23 shares of NRF about 10 minutes ago…
…I encourage you too to get some skin in the game and start investing in some high dividend yielding stocks…
…I’ll see how my investment does and feel free to message me or contact me at anytime if you have any questions about high dividend investing!

P.S.

My joy is seeing you make more passive income AND live a better quality of life…
…I want to help make smiling happy families who are also financially free…
…so I blog about actions that will really change your finances and money situation for the better…
…on top of all those wonderful benefits, I also make money blogging!
AND I want you to make money blogging too…
…so, to be fully informed, I’ve selected the best, easiest to learn and most profitable blogging platform to host my blog…
…and I’m giving it to you now too…
CLICK HERE, enter your best e-mail and watch the free video

Why Do The Wealthy Use Credit Cards?

Why do the Wealthy Use Credit Cards?

…there are things that the wealthy pretty much all do and one of them is use credit cards…

…however, you have to know how to use credit cards the way they do to benefit…

…read this post to the end to learn more about how to use Credit Cards like the rich and wealthy do…

Why do the Wealthy Use Credit Cards?

…there are things that the wealthy pretty much all do and one of them is use credit cards…

…however, you have to know how to use credit cards the way they do to benefit…

…read this post to the end to learn more about how to use Credit Cards like the rich and wealthy do…

Pay Off Your Balance In Full Every Month

…wealthy people use credit cards and they pay off their full balance every month…

…that way they don’t incur interest charges…

…this is important since it ends up acting like a checking account except that if you don’t agree with any transaction, you can dispute it and get your money back!

Use Credit Cards With Rewards and Miles Programs

…the wealthy use credit cards for regular purchases because they get rewards points and miles…

…these add up and become gift cards, airline tickets, car rentals, cruises…

…and if you spend a lot, you definitely earn a lot of benefits…

Check All Of Your Charges Every Month

…the wealthy make sure that all of the charges each month are theirs…

…if they are not, they dispute the charges and get their money back…

…this is way better than a checking account, as it allows you protection in your spending…

Use the Insurance and Travel Protection Benefits of The Credit Card

…most cards have added insurances built in…

…you need to get a card that has the kind of insurance that you like…

…for instance, if you rent a car with the credit card, oftentimes the card has auto rental insurance built in…

…so you don’t have to insure the car with the car rental agency…

…they also oftentimes have lost baggage insurance, and other great protections…

…the wealthy will use these benefits when the need them…

Use The Concierge Services

…some credit cards come with travel benefits such as concierge services…

…you get to call a number and they will help plan your vacation, get you tickets to events, and help you find great restaurants…

…it depends on the type of card you have…

…usually, this perk comes with cards that have higher spend…

Use Cards That Waive Foreign Transaction Fees When Traveling Overseas

…another reason the wealth use credit cards is that the higher end ones will waive the foreign transaction fees when they travel to other countries…

…these charges can really add up so they love having these fees waived…

…if they spend a lot of money on their cards, they usually have this feature built in…

Improve Their Credit Score

…responsible use of credit creates higher credit scores…

…higher credit scores lead to lower rates on other loans like mortgages and other loans…

…it can also open the door for better credit cards with better perks!

Conclusion

The wealthy are good at controlling their spending so it’s easy for them to pay off their balance in full every month…

…their credit card then becomes a way of protecting their money…

…in addition, they earn additional rewards, insurance, services and other perks…

…the banks love their spending because they are making them money with the processing fees, and will gladly waive their late fees if they ever do pay late…

…it’s worth mastering our credit card use and always pay our balances in full…

…and get the rewards of using credit cards…

P.S.

I love writing about financial freedom and it gives me great joy when I help someone get closer to their financial freedom!

…is there something that you love, that you would love to teach others?

…if yes, then CLICK HERE to see how much money you can make teaching others what you love on the internet!

 

 

How To Pay Off Your Mortgage in 5-8 Years – A Review of Financial 101

Want to learn how to pay off your mortgage in 5 to 8 years?

…read this review of Financial 101…

…so my husband says an administrator of one of the facilities he visits invited him to attend a financial seminar at someone’s house…

…bells are going off in my head…

Why would anyone do a financial presentation at their house?

…I asked him “Is this an MLM?”…

…my husband Jomel says “it’s a class on money and investing and it was an hour long”…

…so we all just went, and I literally just got back to write this blog about it…

…it was a company called Financial 101…

…similar to Sweep Strategies, they help you learn to budget money, save, and restructure debt so that you can pay off your mortgage faster…

…then they help you invest in other properties for rental income…

Here is my honest review of Financial 101

Want to learn how to pay off your mortgage in 5 to 8 years?

…read this review of Financial 101

…so my husband says an administrator of one of the facilities he visits invited him to attend a financial seminar at someone’s house…

…bells are going off in my head…

Why would anyone do a financial presentation at their house?

…I asked him “Is this an MLM?”…

…my husband Jomel says “it’s a class on money and investing and it was an hour long”…

…so we all just went, and I literally just got back to write this blog about it…

…it was a company called Financial 101

…similar to Sweep Strategies, they help you learn to budget money, save, and restructure debt so that you can pay off your mortgage faster…

…then they help you invest in other properties for rental income…

Here is my honest review of Financial 101

REVIEW OF FINANCIAL 101

…so, the presentation is very informative for most people who do not understand interest rates, debt and money management…

…it discusses the advantages of paying off high interest debts as quickly as possible, to save lots of money in interest…

…and also shows people how to tap into the equity of their home to pay down the principal of their mortgages faster…

…instead of putting their money in a checking account, they put it in a line of credit and pay all of their bills from that instead…

…this saves money on interest that they would have had to pay towards their mortgage…

…they also teach how to responsibly use credit credit cards to earn points and other benefits…

…and also save even more interest on their mortgages…

PROS

Financial 101 helps people manage their money with their own coach and a structured program…

…and there are plenty of real life stories of people who took the course and it changed their lives…

…the story that I saw was from a couple that went from a $5,000/mo mortgage to now having no mortgage…

…not sure of the time frame or how much they owe on their line of credit, however, looks like they are doing better financially because the husband can build custom cars for a living instead of working a job…

…the lady who did the presentation was named Shantell, and she also had a great story of how her family went from being very poor to now traveling the world and owning her own home and car with no debt, and now owning investment properties and qualifying for Private banking…

…they have a beginner course which costs $199 which helps people get control of their spending and their cashflow, especially if they have negative cashflow (spending more than they are making)…

…then if they want to go to the next level, which is Financial 100, the $199 goes towards the cost of the 2nd course which is $1,499…

…Financial 100 teaches how to do automatic savings, and have a savings buffer…

…how to budget for future savings goals, and to be able to look at finances 3 months ahead…

…if you graduate within one year of Financial 100, they let you use the tuition to pay for Financial 101, which costs over $3,000…

…in Financial 101 you apply for the line of credit that you use as your checking account to deposit your paychecks and pay your bills…

…the advantage of using a line of credit as your checking account is that the same line of credit is used to pay down the principal of your mortgage…

…which saves money in mortgage interest…

…as the line of credit is paid down, there’s room to invest in investment properties…

…for people in Hawaii who tend to have high mortgages, and also credit card debt, this program can be very helpful in not only paying off debt, but also creating real financial wealth…

…in addition, they help people pay their tuition with the savings that they make from the saved mortgage interest…

CONS

…there aren’t that many cons that I can see with the program…

…the first that I noticed was that they talk about an emergency fund, and I think it’s wiser to save for different reasons, click here to learn more about why I would never have an emergency fund and better ways to strategically save your money

…the second is that if you already know what they are teaching, you don’t really need to take a course…

…I’m not sure if it would be cost effective if you had no mortgage or no debt and are already saving a lot of money, and already have investments making you passive income…

Conclusion

…I think for most people Financial 101 would be that financial education that we all needed to learn in school, and yet no one taught us…

…my husband and I are going to do the free assessment…

…and we get no financial benefit if you do decide to take Financial 101 courses…

…this is an unbiased 3rd party review…

… CLICK HERE to get your free assessment and check out Financial 101 for yourself!

What do you think?  Leave your review of Financial 101 in the comments below!

P.S.

I love blogging and helping others find financial freedom!

…is there something that you are passionate about, and that you could teach others?

…I suggest you consider blogging…

CLICK HERE, enter your e-mail, and watch the free video to learn more!

He Was Making Over $100,000/mo when he got laid off from his engineering job…

…let me tell you something that will change your life…

…and it has to do with Lawrence Tam, who is in the picture with us below…

Lawrence used to be an engineer…

…and he wanted something more…

…he wanted to have more money and more time…

…he wanted to be able to stay home with his family…

…go on more family trips together…

…and he wanted to build a school in Africa…

…he thought that making $10,000/mo would make him happy…

…well, Lawrence now makes about $50,000/mo pretty consistently…

…and, Lawrence was making over $100,000/mo when he was laid off from his job as an engineer…

…Lawrence retired at 33 years old…

…let me tell you something that will change your life…

…and it has to do with Lawrence Tam, who is in the picture with us below…

Jomel,Mey,Lawrence Tam 1-26-15

Lawrence used to be an engineer…

…and he wanted something more…

…he wanted to have more money and more time…

…he wanted to be able to stay home with his family…

…go on more family trips together…

…and he wanted to build a school in Africa…

…he thought that making $10,000/mo would make him happy…

…well, Lawrence now makes about $50,000/mo pretty consistently…

…and, Lawrence was making over $100,000/mo when he was laid off from his job as an engineer…

…Lawrence retired at 33 years old…

…now, Lawrence’s results are not typical, see full income disclaimer here

…however, Lawrence has raised the money and is now building his school in Africa…

…so what do you believe?

…I know that you reading this right now because you have a dream…

…you have something that you want to do in this life that is BIGGER…

…you want to make a real difference in this world and are ready for a change…

…if you were on the Monday night call then you heard from Tracy and Angela…

…those ladies rose up from poverty into success…

…I hope you realize that everyday that you are alive matters…

…because we are all going to die one day…

…what are people going to remember about you?

…when you die, how many houses or schools will you have built?

…how many lives will you have lifted?

…will your children be proud of you?

…how much BIGGER can you become?

…it’s time to start making that change…

…and if you think you are somehow poorer or live in a country where you can not be successful then you are lying to yourself…

…because we all know it starts inside with a decision…

…a decision to be great…

…and if you aren’t making that decision right now, to be more than what you think you are…

…to rise up and live your dream…

…if you don’t choose now to live your highest and best life…

…then your children, your community, the world will miss out on you…

…you’re greatness…

…and that is one of the greatest tragedies that this world will ever face…

…who are you?

…how will you be remembered?

…because now is your time!

…if you are still reading this then you know that there is something inside you that is dying to get out of you…

…it’s that inner greatness and that power…

…bring it out…

BRING IT OUT

Click here to release your greatness and get started getting your message to the world

Why Invest In Dividends?

Mey here on another beautiful Monday morning here in Ala Moana Hotel enjoying time working next to my Mom (author of the sci-fi novel Veluli: Amac-1 (Volume 1)) blogging about the important question Why Invest In Dividends?

Do you invest in the stock market?

Do you invest because you are hoping the stock prices will go up and you will sell high?

…or do you just do it because your investment advisor tells you to…

…or do you not have an adviser and had no idea what you are investing in?

…this article is dedicated to you, to give you some good advice on stock investing that actually makes sense for a change…

…it assumes that you are like the average person, who has really no idea what their stock fund is investing in, and just wants to make sure that their money is safe…

…so read until the end and get ready to learn the common sense way of investing – in stocks that make you money in dividends…

Mey here on another beautiful Monday morning here in Ala Moana Hotel enjoying time working next to my Mom (author of the sci-fi novel Veluli: Amac-1 (Volume 1)) blogging about the important question Why Invest In Dividends?

Do you invest in the stock market?

Do you invest because you are hoping the stock prices will go up and you will sell high?

…or do you just do it because your investment advisor tells you to…

…or do you not have an adviser and had no idea what you are investing in?

…this article is dedicated to you, to give you some good advice on stock investing that actually makes sense for a change…

…it assumes that you are like the average person, who has really no idea what their stock fund is investing in, and just wants to make sure that their money is safe…

…so read until the end and get ready to learn the common sense way of investing – in stocks that make you money in dividends…

What Are Dividends?

…dividends are a portion of a company’s profits that are paid to you as a shareholder in their company…

…when you buy a stock, you are becoming part owner of the company in return for your cash investment…

…when the company is profitable, they can take a share of their profits and pay their shareholders…

…for example, say a company made 100,000 profit this month…

…and they have 50,000 shares…

…they could pay $2.00 per share in a monthly dividend…

…say you own 1,000 shares…

…you would make 1,000 shares x $2.00/share/month = $2,000.00 per month in dividends…

How Do I Make Dividends?

…when you buy shares in a profitable company that  has chosen to pay it’s shareholders dividends…

…some companies are actually pretty profitable and do not pay dividends (at the time of publishing, Google is one of the most notable, and Apple too until recently)…

…some companies pay pretty consistent dividends, and are proud of that and publish it on their website (like IBM)…

…some companies are required by law to pay their profits in dividends like Real Estate Investment Trusts (like Annaly)…

…you want to choose a company that is profitable and consistently pays dividends…

Why Invest In Dividends?

…so if dividends make money, why do people still invest in companies that don’t pay dividends?

…that’s actually a pretty important question…

…if the stock doesn’t pay dividends, then buying it can only be profitable if you can sell it for more than you bought it for…

…people who invest like this are less concerned with dividends…

…this strategy has a lot more risk…

…check out this quote from Daniel Peris to understand why…

“…of the market’s annual total return of 9.7% since 1926, 8.6% of it (which amounts to 89% of the annual figure) came from dividends.” (page 16 of The Strategic Dividend Invester, 2009)

…so if you are investing in stocks that don’t pay dividends, you’re really gambling that a stock’s value will go up…

…and if you think about it, it makes sense, after all, wouldn’t you want to get paid part of the profits of the companies that you have invested in?

…how else are you going to make a profit from your investment?

Conclusion

…this post was inspired partly from my own dividend investing strategy and my intention to create a consistent passive cashflow…

…and also by reading the first Chapter of what one of my investment adviser friends calls the Bible on dividend investing, The Strategic Dividend Investor by Daniel Peris…

…if you are serious about making money in your investing, I suggest you buy this book and read it immediately…

P. S.

…I blog about financial freedom because it’s my goal to help people have their time back…

…so they can spend less time working and more time enjoying their families and friends…

…I am a blogger and I do it for a profit as well, where I pay our family all of our profits…

…interested in making money for yourself, with better odds than gambling on the stock market?

CLICK HERE, enter an e-mail where I can contact you at and watch the free video…

 

Top Producer Formula: How To Increase Your Sales By Over 100%

WHAT?!?

Over 100%?

I can hear you saying now “Mey, how can this post really give me a magical Selling Formula?!?”

“Can I Really Increase My Sales OVER 100%?!?

I can tell you from personal experience…

…because I started at 0…at zero sales experience…

…and when I started this business I was pregnant with no sales for 3 months…

I Was 4 Months Pregnant When I Started My Business
I Was 4 Months Pregnant When I Started My Business

…it was a painful time…

…I would get on my computer and write my blog posts and do my live presentations and it wasn’t working…

…and I used this formula to start selling thousands of dollars in blogging services and educational courses on the internet (my results are based in my individual efforts, see income disclaimer HERE)…

…the person who taught me this formula started out his selling career living in a van on the North Shore of Oahu and now has a company that has made over $180,000,000 in sales in under 4 years (again, see full income disclaimer HERE)…

Are you talking to your prospects and finding that they are not buying what you have?

…are you wondering why some people in your business are sales superstars and you are always struggling just to make 1 sale?

…as you and I both know if we aren’t making sales, we aren’t making the money we need…

…who wants to spend hours with clients and go home with nothing?

…we need to make sales to feed our families, to live in a  better home, to send our kids to a good school…

…this magic selling formula does exist, and I’m going to share it with you…

Read this post, and master the 12 steps…

…because it’s taking action and practicing these steps that makes the sales

…can you promise me right now that you will follow the steps?

…can you promise me that you will use them until you have mastered them?

…why make these promises?

…because this post was written with the express purpose of helping you increase your sales in your business by over 100%…

…and the only way to do that is to use the steps…

…just look at our income results below from August 2013 (our results are not typical, see average earnings HERE)…

August 2013 Income Breakthrough Results
August 2013 Income Breakthrough Results

We were doing this business part time and went from zero to making thousands a day using this formula…

…and did it faster, and in a way that our clients were also happy to get what they wanted faster too…

…so that we all have more time to spend with our spouse and kids…

…and swimming and surfing at the beach…

…now just using this formula alone will dramatically improve your sales…

…however, I can get you exclusive training that will show you how to do all of this on the internet…

…and then how to outsource it so that you will be able to spend more time doing what you love…

..this training is called the Costa Rica Intensive and I bought it for $500.00…

…you get this internet marketing training for free with the magical Top Producer Formula…

…there really is no risk to you…

…if you decided to use the formula yourself, and use the exclusive training program in the Costa Rica Intensive…

…and if you weren’t 110% satisfied…

…then you can just call or e-mail our customer service department within 2 weeks and get your money back…

…there is no shipping, you get instant access on the internet as soon as you want it…

…also, there’s an incentive to start using the Magical Top Producer Formula right now…

…the reason is that there’s a special bonus training that’s available within 24 hours of you getting access now…

…that bonus is available for a limited time, and I really don’t know if it will still be available tomorrow…

…so CLICK HERE, fill in your information, and get instant access!

P.S.

I used the 12 steps in the above post, and like I promised, here they are below:

Trust me, get the Top Producer Formula and see all the modules for yourself…

CLICK HERE, fill in your information, and get instant access!

1) Get Their Attention

2) Develop a Relationship

3) Earn The Right

4) Clarify Their Problem

5) Show Them a Solution

6) Set Clear Expectations

7) Social Proof

8) Present The Benefits

9) Provide An Irresistable Offer

10) Take Away Their Risk

11) Give Them A Reason To Take Action

12) Provide a Clear Call To Action