Submitted by: Kal Kine

Recently, investors are paying quite a little bit of attention to dividend paying securities. The logic makes sense: Dividend paying securities provide the protection against rate of interest risks that bonds and alternative mounted financial gain investments have and that they additionally provide what seems to be at hand in step with economic optimists growth. However, not all dividends paying securities square measure created equally. There square measure many things that investors seeking the most effective dividend paying stocks ought to think about. Here square measure 3 of them.

1. However doubtless is it that this company will continue paying dividends? Finding a corporation that pays an enormously aggressive dividend is good. However the likelihood that it’ll continue creating that dividend payment may be restricted by money and alternative unforeseen economic setbacks. In fact, even the biggest firms are far-famed to chop their dividends. In 2009, General electrical, that has been long-believed to be one amongst the safest dividend-paying investments on the Sample five hundred, reduced its dividends quickly whereas it regrouped and developed a replacement arrange of attack. Finding firms which will still pay its dividends come back euphemism and high water is very important for investors WHO have faith in those financial gain payments. Therefore, finding firms with the

Proper money, income and suggests that to keep up those dividends is instrumental to finding success during this section. Check the businesses money Assets on the record, their Statement of money Flow additionally as preserved earnings on the operating statement to urge an inspiration on whether or not the dividend is so manageable.

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2. Will it be for the corporate to continue creating dividend payments once it might notice a much better use for this capital, like reinvesting in operations? By reviewing the management discussion statement, investors can get a fast and sensible feeling concerning what the management team is coming up with for the long run. Linking this data back to the various money and income statements noted in Item one might give some hints on whether or not the corporate might have to stay some or all of its dividend payouts to itself for future growth. This can be significantly necessary in periods wherever firms have struggled to survive economic slowdowns just like the recent one and wish to require proactive steps to emerge stronger than ever.

3. What’s the probability of future growth for this company? Though defensive stocks are nice holdings throughout the last economic holdup (or recession), they’re not the foremost profitable holdings in periods of aggressive growth. As a result, they’re typically among the primary to urge drop in favor of a lot of profitable stocks, dividend paying or not. thereupon in mind, a defensive stock that returns a five-hitter dividend yield however sees 100 percent come by stock value over the course of the year isn’t such a lot a good investment in spite of everything (some would argue that it’s and, in some rare cases, this sort of approach would possibly create sense). projected to firms that still grow throughout economic process periods square measure key to maintaining your capital and enjoying the financial gain additionally (otherwise, you’ll additionally hold a bond).

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By Peter Kenny

If you need some extra money, then borrowing from your bank might be the answer. If you use a bank simply for savings and a current account, then perhaps it is time to look at other financial products that your bank can offer. If you want to borrow from your bank, here are some of the possible options and benefits.

Why borrow money?

People borrow money for all sorts of reasons, and in all different ways. If you are finding it hard to make ends meet at the moment then getting a credit card or loan may help you out over the next few months. Also, if you need to make a large purchase but you need to spread the cost, then borrowing from your bank is a good option.

Credit cards

Perhaps the most common way to borrow from your bank is to get a credit card. A credit card gives you a certain amount of money or credit that you can spend, which you have to pay back with interest. Bills are paid monthly and you can choose to pay the full amount or just the minimum payment each month. Borrowing money on a credit card is expensive, but for short-term purchases they can be great if you pay the balance back in full each month.

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Loans are another common way to borrow from your bank. Your bank is likely to have a variety of loans on offer, ranging from small personal loans to much larger loans for business or home improvements. If you need to pay off high interest debts or make a large purchase and pay it back slowly, then loans might be the right option for you.


Many banks also offer mortgages, which are probably the biggest amount of money you will ever borrow. Mortgages are used to buy property, and have low interest rates. If you are looking to buy a home then your bank might be able to help you with your mortgage.

Advantages of using your bank

The main advantage of using your bank to borrow money is that they know what sort of spending patterns you have, and if you have built a rapport with them they are likely to be more generous than other lending institutions. It may also be convenient to use the same bank that you do now, as all your accounts are in one place and you can manage your money more easily.


There are also a number of disadvantages to using your own bank. Although your bank may give you a good deal, it may not be the best deal you can possibly find. Although speaking to your own bank is a good idea, you should shop around and look at other lenders in order to get the best possible terms. You should also make sure that borrowing money is right for you, and that you can make any repayments that are required.

About the Author: Peter Kenny is a writer for

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