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How To Safely Earn 8.2% On Is your retirement money earning as little as 0.45% in a bank CD? You won't find it listed in your local paper, nor even in The Wall Street Journal, but if you know where to find it, there's a 30-year-old, well-established and respected "bank" in Manhattan that can pay you 8.2% on your money! I don't know your personal financial situation, but consider this: If you have, let's say, $100,000 in your retirement account and it's sitting in bank CDs, or a brokerage money market account, it's probably earning a paltry 0.45% yield.
That could mean a 46% increase in your net worth! Just by switching banks!
These two individuals only tell part of the story... Big Wall Street banks and mutual funds are also taking advantage of this bank's 8.2% payout.
What's Their Secret? When you think of America's best banks, you probably think of giant behemoths like Bank of America or Wells Fargo. But those two firms still have billions of dollars of bad mortgages on their books. They both have 10 times more liabilities than they have assets. That means that only 10% of the loans on their books need to go bad, and they're COMPLETELY broke. In fact, Bank of America received $45 billion in TARP funds. Wells Fargo only took $25 million, on the condition that it raised over $55 billion in additional capital to bolster its balance sheet. Not only that, but these huge banks paid out billions of dollars in bonuses to their "hot shot" traders and board members. There are over 800 banks on the FDIC's bankruptcy watch list. Banks only slightly smaller than Bank of America and Wells Fargo are in danger of becoming completely insolvent. So it's no surprise, that as a whole, regular old banks can't afford to pay more than 1% on their savings accounts. They're essentially broke! But the bank that paid 8.2% to its members didn't take a dime of bailout funds. And it didn't have to raise additional capital either! Nor does it pay out any million dollar bonuses. Its entire board of five people -including the CEO and two co-founders -made $1.2 million combined in 2010 - or less than $250,000 each on average. Even more amazing, this bank actually paid out HIGHER yields in the bear market of 2008 and 2009 than it did before the downturn. This bank is so well funded, in part, because it's a very specific type of bank that's NOT ALLOWED to take on more debt than it has assets to cover. That means it can only lend out the money that it has. No more. No shady accounting tricks. No credit default swaps or risky sub-prime mortgages. This bank simply lends its capital to low risk businesses, and then repays the returns to their members. But besides the huge payout, there's something else different about how this bank does business. You Too, Can Soon Be Earning 8.2% On Your Money! You see, in order to become a member of this bank, by law, you have to become an owner. In other words, you need to be a shareholder of this bank in order to receive the current 8.2% payouts. As you'll see, becoming an owner in this bank is really very simple and fast. You don't need to fill out any paperwork. You don't need a huge amount of cash - as I said, it costs less than $20 to get started. In fact, all you need is a brokerage account. It may sound confusing, but it's very simple. This bank pays out the lion's share of its profits in the form of quarterly checks to its shareholders. I'll give you the full details on exactly how to become an owner of this specialized bank in a research report I just finished called The 8.2% Secret Manhattan Bank. In this report, you'll learn everything you need to know about how you can start earning 8.2% on your money today! Best of all The 8.2% Secret Manhattan Bank, is just one of the 5 best ways to protect your money while multiplying your income! Fight Inflation With the I'm sure you're well aware that in today's low interest rate environment, the yield on "conventional" income investments is so despicably low that every investor is desperate to find higher yield income opportunities. Compared to most interest-bearing investments, you simply can't beat the right dividend-paying stocks. For a long-term investment, dividend-paying stocks are the route to financial security. Want proof? In 2010, 255 of the S&P 500 companies raised their dividends, paying out some $21 billion to their shareholders. And the future appears equally bright for dividend paying stocks, as it's estimated that two-thirds of the dividend-paying companies in the S&P 500 will raise their regular cash payments in 2011. Also keep in mind that the tax-cut law President Barack Obama just signed offers you a tax break by continuing for another two years a top tax rate of 15% on dividends. Which brings us to your second FREE Report... 3 Safe, High-Dividend Stocks. The highest yielding stock in the S&P currently pays a dividend of 8%. But in this FREE Report you'll learn about high dividend payers with the potential to increase their dividend in the coming years to as much as 10% yield. Here's How You Can Lock-In a Yield Of 10.5%. I've found an Israel tech company whose shares are conveniently traded on the American Stock Exchange and pay a very healthy dividend that puts this company at the top of my list of dividend payers. With thousands of tech start-up companies, Israel has created a tech industry that resembles the northern California Silicon Valley in the U.S. All this tech innovation requires communication, and that's where this high-yield company comes in. It's Israel's leading cellular service provider, and has 3.4 million subscribers to its cell, landline and other services. Last year, with the introduction of the popular iPhone, the company's 3G subscribers increased nearly 20% to 1.1 million. The company has been raising the dividend, and has paid out as much as 95% net income to shareholders in the form of a dividend! With a current payout of over $3.50 per share, the yield is a whopping 10.5%! You might think that shares would command a premium valuation. But that's not the case. The stock currently trades at a bargain price of only 10-times earnings! With earnings and dividend payments on the rise, this cheap stock offers a healthy yield and lots of upside for shareholders. This Top Dividend-Payer Also Offers Growth! With a current yield of 7%, this second company is another attractive dividend payer with potential for growth in the coming years. No question that energy is a place where many investors have wanted to put their money, but unrest in the Middle East and fluctuating demand makes it a risky venture if you're looking for consistent returns. This dividend work-horse is a limited partnership established in June 2007 by an independent oil and gas exploration and production company with a $10 billion market cap and world-wide operations. The partnership is much more focused, concentrating on Texas and eight counties in southeastern New Mexico, mostly in what's known as the Spraberry Field, and such spinoffs are common in the oil and gas industry. The company has 1,100 producing wells delivering a daily average of 6,400 to 6,800 barrels of oil equivalent. The wells are pumping 65% oil, 20% natural gas liquids and 15% gas. Production is rising at a decent rate, and in the final three months of 2010, this company was expecting 6,400 to 6,800 barrels of oil equivalent per day. The third-quarter average was 6,631 BOE, up 3% from the second quarter. According to analysts surveyed by Thomson Reuters, the company is expected to grow earnings in 2011. Accordingly, shares are trading at 10 times earnings, which is cheap for an oil company. This is especially true when oil is trading at near $100 per barrel! Distributions, have been consistent at $0.50 per quarter, or an annual $2 payout per common unit. That translates into an annual yield of 7%. The company says it will maintain its quarterly cash distributions for now, and increase it over time, by replenishing its oil and gas assets through acquisitions in the region. Also included in your second FREE Report, The Best 10%+ Dividend Stock You'll Ever Own, you'll learn about one additional dividend payer that can boost your income while providing safety to your initial investment. If you're looking for consistent dividend payers ready to reward shareholders like you, than you won't want to miss out on this great special report. Double Your Yield With This Ben Bernanke and the U.S. Federal Reserve may be keeping interest rates low, and hurting income investors like you. But that doesn't mean you need to settle for low-income investments. The fact is that you can earn twice the returns of U.S. Treasuries, while reducing your risk when you take advantage of this special bond investment! In today's low-interest rate environment, and with the Federal Reserve Chairman Ben Bernanke bent on keeping interest rates low, income-deprived investors need to consider the best foreign market bonds as an alternative to debt issued by developed world countries. In Double Your Yield With This Rock Solid Debt! I won't be recommending you buy bonds from a rogue nation with a checkered past. Instead, you'll discover how to add exposure to overseas debt issued by democracies with a long history of stability and economies that are growing rapidly. The fact is that these stable and prosperous nations will continue to reward their bond investors with superior returns in the years to come. The question is, how best to add that exposure to your portfolio? Exchange-traded funds (ETFs) are my vessel of choice. They have made investments that were previously accessible only to wealthy individuals and institutions accessible to all. They have truly had a democratizing influence on the market. An ETF That Offers A Safe, 5.5% Yield The bond ETF I want you to know about, offers you a combination of superior yield plus exposure to rising middle-class economies, sound fiscal and monetary policies, political stability, and safety of principal. This fund is simply rock solid. Over 18% of its holdings are rated AAA and half of its bonds are rated above a very respectable A. This is investment-grade stuff. It's also diversified geographically in all the right regions of the world, including Asia, Eastern Europe, the Middle East, Africa, and Latin America. For twenty years these regions were off limits to most individual investors, who had to make due with the local fare of domestic stocks and bonds. The two biggest countries in this fund are Brazil and Malaysia. Both countries have seen explosive economic growth in recent years, thanks in part to a booming expansion of the middle class. Both countries are also transitioning from producers of raw materials into higher-value, multi-sector economies. At the same time, both will benefit from the rising demand for commodities, particularly oil. Unlike other foreign bond ETFs, this one is actively managed, a competitive advantage since not all emerging-market debt is equal, so some analysis is needed in order to differentiate the fundamentally strong issuers from the weak ones. In short, the passively managed ETFs can't sort the wheat from the chaff. Though it has yet to pay a full year's worth of distributions, the fund should pay shareholders around 5.5% this year, a far superior yield to the 3% offered by the 10-year U.S. Treasury note. Your 3rd FREE Report is a must have in today's low-interest environment. Every day you wait to claim your copy of Double Your Yield With This Rock-Solid Debt! is like throwing money away. No-Fee Stocks Wall Street Doesn't Want You To Know About As I said when I described your FREE Report #2, dividend paying companies have shown themselves, time and time again to be among the safest, most lucrative and least speculative stocks in the market. Now, in this FREE Report #4, The Three Best Type 'B' Dividend Shares to Buy, you'll learn how you can strap a booster rocket to certain dividend paying stocks that will easily double your yield over time. I'm talking about companies that enable you to reinvest their dividends so your money enjoys the indomitable power of compound interest. And to make things even better, you can accumulate both your initial shares and all your bonus, dividend shares without paying a penny of brokerage fees. You see, the SEC allows these few certain companies to offer their shares direct to investors without the cost of a Wall Street commission or transaction fee. No wonder Wall Street doesn't push them. In fact, brokers and the companies themselves are prohibited from advertising these special-category shares. That's why most investors aren't aware of them. But, believe me, there's nothing the least bit questionable about these companies, in fact you may already own "regular" shares of at least one of them. But, if you bought them through a broker, you're missing out on a great cost-saving opportunity. I'm talking about Type B Dividend Shares. If you know how, you can buy them direct from the company without paying even one penny in brokerage or transaction fees. It's like buying direct from a factory and bypassing the retail store. The savings and the accumulation of reinvested dividends make these Type B Dividend Shares an ideal investment for serious income investors A) You get more for your money because every penny goes toward the stock and not one cent lines the pockets of a Wall Street broker or on-line transaction service. B) These are solid companies with long dividend histories that enable you to harness the incredible power of compound interest by plowing dividends back into more shares of stock, again with no brokerage or transaction fees. According to a study from financial firm Legg Mason, reinvested dividends account for 41% of the total return of the stock market since 1871. That means, if you're not reinvesting your dividends, you're missing out on one of the easiest and surest ways of increasing your gains and compounding your wealth. To get you started, your FREE Report #4 gives you complete details on three no-fee dividend investment opportunities: ![]()
Two Dividend-Growers That Will Compound Your Wealth As I've already mentioned when describing your FREE Report #2, with interest rates so low, income investors must focus now - more than ever before - on dividend paying stocks. Now, in this 5th Free report, you'll discover that companies with growing dividends are another group of best performing stocks, because companies that increase their dividends by 10% are almost certain to see a corresponding increase in their share price of 10 % or more! Ask yourself: Which would be better to own? 1) a high-yield stock with a dividend that's flat at 7%? 2) Or, a stock with a 3% yield that's growing it's dividend by 10% every year? While 7% a year may seem unbeatable, a stock that yields 3% plus 10% in capital gains, gives you a total return of 13%! And that's what this FREE Report is all about. When you combine dividends and growth, these 2 stocks have the potential for a total yield of 10 - 20% annually! Warren Buffett knows the power of dividends: In Berkshire Hathaway's 2010 annual report he presented a very persuasive and timely argument on why dividends are important for not only generating income but for driving stock prices higher. "Coca-Cola paid us $88 million in 1995, the year after we finished purchasing the stock. Every year since, Coke has increased its dividend. In 2011, we will almost certainly receive $376 million from Coke, up $24 million from last year. Within ten years, I would expect that $376 million to double. By the end of that period, I wouldn't be surprised to see our share of Coke's annual earnings exceed 100% of what we paid for the investment." The point being that the ability to generate superior total return is a function of safely growing earnings and dividends over time. But you need to be careful. . .there are two reasons why big dividends alone are not always an indication of a good investment! First, the biggest blue chip stocks aren't always as safe as they may seem. In fact, in the stock market crash of 2008 and early 2009, supposedly "solid" blue chip companies like Citibank, Ford, and General Electric slashed their dividends and their share prices plummeted. Second, companies with the highest yields can be the most risky. Straining to keep dividends up often goes hand in hand with a falling stock price. The ultimate goal of the dividend stock investor is to buy great companies that are on solid financial footing, that are growing their earnings and cash flow from operations, and most importantly, that are increasing their dividend payments to shareholders. Think about it: When a company raises its dividends, it is basically telling you that it is profitable and that it will be profitable into the distant future. In short, the company is issuing an implicit guarantee! The two dividend growers featured in your 5th FREE Report have a long history of telegraphing higher future earnings through rising current dividend payouts. I expect both these stocks will see their yields rise as they increase their dividend payments over time. In other words, a few years out you will be holding stocks yielding much more than they do today! Plus, the relatively smaller size of these two companies offers the potential for additional discovery by Wall Street and possibly greater price-appreciation potential, especially when considering that both stocks have been growing revenue even faster than international giant McDonald's. My two dividend growers generate ample free cash flow - more than enough to service the current dividend. Both generated free cash flow that was twice what was required to service the dividend last year, and over the past 10 years, free cash flow has on average exceeded dividend payments by at least 50 %. Continued dividend growth for both these companies is assured, given their market-dominating positions in their respective industries, and the positive outlook for these industries. The 20% Money-Making Machine My first dividend grower has delivered a 20 % average annual return - through a combination of rising share price and rising dividend payments. In fact, this company's dividend payment has increased an extraordinary 20-fold over the past 10 years. Back in 2004, the dividend was 50-cents and the share price was $28. By 2006 the dividend had doubled to $1.00 and shares had hit $44. With a 2010 dividend of $2.50, this stock should keep moving higher. Since 2001, this company's share price has quadrupled. That's right - shares have gone from $14 to $65 in just ten years, during a period of time when the S&P 500 was flat! In the most recent quarter, the company reported a five percent year-over-year revenue increase to $534 million. Growth and earnings will accelerate over the next six months. I expect more double-digit dividend hikes in the future. The growth in free cash flow has kept pace with EPS and dividend growth, and this means that the company will be able to keep growing the dividend. It's worth noting that the company's CEO holds 4.1 million shares that have paid him millions of dollars in lower-taxed dividends annually. But, the real benefits of owning this company will fully materialize years down the road. Based on historical data on management performance and today's market prospects, I see no reason why it shouldn't return 12 to 15% annually. The 10% Annuity My second dividend-grower is a household name that owns some of the most universally-used brands in any market niche. This company has consistently delivered 10% annual returns, through persistent price appreciation and annual dividend and EPS growth. This venerable company rules its market, much as Apple, Coca-Cola, Google, and McDonald's rule theirs. Its brands are so dominant, the company controls 60 %of the market. I'm sure you are familiar with its many food-related products, though I would be surprised if you've considered investing in them. This is understandable, because this market dominator quietly flies under Wall Street's radar. What impresses me most is the fact that free cash available to service dividends has grown at an annual rate of 12% for the past decade. And as dividends and EPS go, so goes the share price. Indeed, the share price has more than doubled over the past decade, which means shares have been appreciating at an eight percent average annual rate. When the average appreciation rate is combined with an average yield of around 2.3%, investors would have realized just over 10% in average annual return over the past decade. If you would have bought this stock at $20 a share 10 years ago, you would be holding a stock yielding 5.3% today that would have paid you $6.83 in dividends and that has more than doubled in price. That's low-risk wealth accumulation pure and simple. And that's why this ubiquitous household name is a great, low-risk, high-yield investment for your retirement portfolio. Remember, you're NOT on a fixed income! Claim your copy of this FREE Report, How to get a 10-20% Raise Every Year, Even If You're Retired! and discover how easy it is to boost your income. Act Now And Get All 5 High-Yield Reports FREE! All you need do to receive all 5 Reports is agree to try my High Yield Wealth advisory service from Wyatt Investment Research. The service is dedicated to finding the best and most profitable dividend and income opportunities in the world. The "The 8.2% Manhattan Bank Account," I'm on the lookout for unique, low-cost and high yield opportunities. Launched earlier this year, I invite you to accept a one year Charter Subscription totally risk-free- just to see if High Yield Wealth is right for you. 100% Risk-Free! All Your Money Back, Any Time, Even On The Last Day If You Don't Agree We've More Than Earned Our Keep! If at any time during your no-risk trial subscription you decide this isn't right for you, just cancel for a full, 100% no-question-asked refund. Keep all 5 of your FREE Special Reports - plus your Bonus Report if you've accepted the 2-year trial (see details below)-- and all your monthly issues regardless. But, I'm confident that once you see your first monthly research report on the latest and best income producing investments in the world, you'll become a loyal reader. In each issue, we'll tell you exactly how and when to buy high-yield investments with the potential to provide safe, lucrative levels of income for many years. I'm busy working now on the next issue, which includes details on several new ways to add security to your retirement savings while multiplying your income. I can't go into too much detail here, but as always I'm looking for companies that have raised dividends while expanding their business. These companies offer investors like you a healthy yield today, with the long-term potential for a growing dividend and rising share price. This winning combination has led to BIG profit for investors like Warren Buffett, and should be part of your income investing strategy. I recently found several companies that I believe will continue to raise their dividends no matter what else is happening in the economy. And that's the kind of reliable wealth-building income you can rely on. As a subscriber to High Yield Wealth, you can expect compelling high yield income investment ideas that are overlooked by other investors and financial advisors alike. Of course, you'll also have immediate access to all 5 of the other Special Reports just as soon as you begin a risk-free Charter Subscription to High Yield Wealth. I know that as an income investor, High Yield Wealth service will be one of the most helpful investment resources you'll ever encounter. The High Yield Wealth new subscriber welcome package includes 5 Free Special Reports, in which you'll discover: So how much will all of this cost? I can tell you, others charge $500 a year or more for this type of service. I have seen some even charge up to $1,000 a year for a similar service. The regular retail price of one full year of High Yield Wealth is $72. SAVE Almost Half Off If You Act Now! But as a special, limited time offer for Charter Subscribers only, you can begin one full year of High Yield Wealth for just $39. That's not a typo. One full year is just $39. The best part is that if you're not completely satisfied at any time during the life of your Charter Subscription, I'll gladly refund the entire amount ($39) guaranteed! No questions asked. Even if you're near the end of your trial, I'll honor this guarantee, no questions asked, because I'm just that confident you'll want to keep High Yield Wealth coming for years to come. | |
| * Investing in stocks carries certain risks for loss just as much as it presents opportunities for rewards. While each of the stocks in this new investment report has been thoroughly researched by professional analysts, investors are advised to perform their own research and due diligence before investing. Future returns claims made in this promotion are based on calculations and evaluations made to the best of the ability of High Yield Wealth research analysts, however they CANNOT be guaranteed and should not be considered as such. ================================= | |
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2011/08/17
Five Vital Ways to Invest Now
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This bank doesn't mess around with high leverage, risky mortgages or any other new-fangled tricks. And its simplistic, "old" way of banking has brought it a large degree of success.
Compared to most interest-bearing investments, you simply can't beat the right dividend-paying stocks. For a long-term investment, dividend-paying stocks are the route to financial security. 
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