Financial Glossary
Bogle on Earning Dividend Income From Stocks
I was following an interesting discussion about from stocks over at the Bogleheads forum, and member Beagler posted a link to a from the book .
You may know that John Bogle is the founder of Vanguard, now one of the largest fund organizations in the world and a pioneer in low-cost index funds. But what I really like about his books is his focus on common sense as the foundation for his advice. An example of this is his [] adapted from Buffett. But back to this excerpt. He first points out how stock dividends have been a good way to create an income stream over the long run that grows faster than inflation.
Of course, by investing in common stocks you assume the risk that dividends will decline during periods of recession or depression [...] What is truly remarkable is that the record of dividend payments by U.S.
South Dakota Grain Warehousemen Bond Update
The state of South Dakota has enacted a new surety bond claim procedure for warehouseman bonds. The new law is labeled HB 1036 and modifies the claim procedure for bonds obtained by grain warehousemen. The present legislation requires anyone who intends to file a claim on a grain warehousemen’s bond to inform the Public Utilities Commission while the individual activating a claim can only advance if the Commission isn’t instituting a claim on the bond. HB 1036 requires the Commission to respond in writing within 60 days of word from anyone attempting to file a claim on the bond; if the Commission doesn’t reply, the individual claimant is allowed to take action on the bond regardless.
Chase Sapphire Preferred Card New Bonus: 50,000 Points = $500 Cash or 2x $312 Plane Tickets!
The credit card bonus wars are on, so grab your good credit score and cash in. The is a rewards credit card that has upped their sign-up bonus to new cardholders to 50,000 bonus points after you spend $3,000 in purchases within the first 3 months.
This is quite a good deal, as 50,000 points can be redeemed for $500 cash (real money, via statement credit or check) or two airplane tickets worth up to $312.50 each ($625 total value). You can buy a more expensive ticket and simply pay the difference. No annual fee for the first year, $95 in future years.
Rewards Program Summary
Points under the Chase Sapphire program are pretty flexible. There are also no earning caps or expiration dates. You also earn a 7% dividend on your earned points each year, even if you already redeemed them.
Connecticut Vehicle Operator Bond Update
The state of Connecticut has put forth new legislation concerning vehicle operators. The new law is named HB 6581 and removes the surety bond required of vehicle operators attempting to reinstate their license/vehicle owner s certificate of registration. The previous law called for a bond in order to reacquire the license/certificate.
How to Teach Kids to Handle Credit Cards
One of the questions I’m often asked is how to teach kids to handle credit cards and other kinds of plastic. And I’ve always recommended a four-step sequence. First, children should learn to manage cold, hard cash in the form of an allowance. Then they can move on to making deposits into and withdrawals from a bank account using a basic ATM card. Next comes a debit card attached to a checking account, which lets them make purchases and teaches them how to balance their account. Finally, they can apply for a credit card on their own when they have the experience and maturity to handle it.
But there’s been an upheaval in the financial-services industry over the past few years: credit card legislation, new rules (and fees) for debit cards, a flurry of celebrity-endorsed prepaid cards, and the advent of digital wallets, which let you pay with a swipe of your smart phone and require no plastic at all.
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