The funniest Super Bowl ad

Shares Facebook Twitter LinkedIn Pinterest

We've been keeping up with the latest headlines...
here are two of our favorites worth sharing.

Your Money

Sorry, this isn't about the funniest Super Bowl ad. The title was "clickbait" for discussing dividends.

The once-blockbuster strategy of buy-and-hold big dividend payers has been left in the dust by growth-focused tech giants. Since the 2008-09 financial crisis, when banks needed to cut their sacred dividends to zero if they wanted government help to survive, investors have sneered at dividends. Since the end of 2008, U.S. equities, as measured by the S&P 1500, have gained 640%, while the companies within that benchmark that don't pay dividends have returned nearly 1,200%.

Yet one of those no-dividend winners broke ranks from the others last week as Meta Platforms (Facebook) says it will start quarterly payouts at a modest 50 cents a share.

But that doesn't mean investors should only look for stocks with high dividend yields. These are often low-quality companies with unsustainable payouts. We think a smarter strategy is to focus on companies that can increase dividends sustainably—often dubbed "dividend growth" or "dividend aristocrats."

At PRESERVE Wealth Management, we invest with a bias toward capital strength, sustainable cash flow, and dividend growth. We also thought the State Farm commercial was the funniest. Happy Valentine's Day!

Can Dividend Investing Rise From the Dead?
by Jon Sindreu

Your Life

As marijuana becomes legal (or considered a misdemeanor offense) in states across the US, the taboo of using cannabis or its derivative has become less and less. So, at a minimum, you start to see stores and shops touting CBD and THC as the norm. However, what are these shops and stores really selling?

CBD stands for cannabidiol, and THC stands for tetrahydrocannabinol, both of which are substances found in cannabis plants. CBD is often sold as an oil, not psychoactive, and has certain medicinal properties for both physical and mental benefits. THC is the main psychoactive chemical in marijuana. For many, understanding the difference between CBD and THC issue is complicated because the hemp or marijuana plant contains both. People who abuse marijuana are hooked on the psychoactive properties of THC. While many argue that marijuana is not addictive, it can be habit-forming. As cannabidiol is non-psychoactive, it's not addictive or habit-forming in itself. However, people may smoke marijuana to get medical benefits from cannabidiol and develop a habit. The safest course for getting the medical benefits of marijuana is to use CBD oil by itself. This is the best way to get the benefits of cannabidiol without any psychoactive effects. Cannabis is being used not only to help increase appetite in cancer patients but also as an anti-inflammatory for skin irritations and to alleviate problems with constipation, high cholesterol, arthritis, and more. It is important to note that for major mental health disorders, its effectiveness is still being studied, and its use may result in more harm than good.

When considering CBD or THC, you also have to keep up with laws, which change frequently. Marijuana and THC are controlled substances under federal law. The situation is somewhat confusing because laws are constantly changing, and there are often conflicts between state and local laws. People who want to take cannabis products for medical reasons should check with state laws and make sure they have a valid prescription. 

Pain Management Guide on CBD vs. THC: What's the Difference?
by Mary Jo DiLonardo, Jennifer Walker-Journey

Complexity Simplified

Companies use credit scores to decide on whether to offer you a mortgage, credit card, auto loan, and other credit products, as well as tenant screening and insurance rates. These things may be less critical for folks with well-established credit and without the need to purchase big-ticket items as opposed to young people who are just starting to establish credit and buy a house, new car, and other things. However, credit scores also determine the interest rate and credit limit you receive—which you may still need, regardless of age or life phase.

5 steps for protecting your credit score
source: myFICO


A: Parent Trap
Q: What type of business did Annie have that failed in “Bridesmaids”?

Back in 1979, this song reached #1

Copyright © *|CURRENT_YEAR|* *|LIST:COMPANY|*, All rights reserved.

This email was sent to *|EMAIL|*
why did I get this?    unsubscribe from this list    update subscription preferences