Unfortunately, you likely don't know when you'll die. That means you have to plan for an unknown ��how many years you and, for some, your spouse might live. In other words, you have to plan to make sure you don't run out of money before you run out of life. And that's no easy task.
Thankfully, experts say there are a number of strategies to avoid or at least mitigate the risk of outliving your assets or what some describe as longevity risk.
The first order of business? "In every situation, you need to do the math," says Anna Rappaport, president of a Chicago-based retirement consulting firm bearing her name and chair of the Society of Actuaries Committee on Post-Retirement Needs and Risks committee. "General statements are helpful, but there can be different situations that lead to different results."
Top 10 Sliver Stocks To Buy Right Now: Douglas Emmett Inc. (DEI)
Douglas Emmett, Inc., a real estate investment trust, owns and operates office and multifamily properties in California and Hawaii. As of December 31, 2007, the company�s office portfolio consisted of 48 properties and multifamily portfolio consisted of 9 properties. Its properties are located in Brentwood, Olympic Corridor, Century City, Beverly Hills, Santa Monica, Westwood, Sherman Oaks/Encino, Warner Center/Woodland Hills, and Burbank submarkets of Los Angeles County, California, as well as in Honolulu, Hawaii. The company is headquartered in Santa Monica, California.
Advisors' Opinion:- [By Marc Bastow]
High-quality office and multi-family real estate investment trust Douglas Emmett (DEI) raised its quarterly dividend 11% to 20 cents per share, payable on Jan. 15 to shareholders of record as of Dec. 30.
DEI Dividend Yield: 3.38% - [By Monica Gerson]
Breaking news
NASDAQ OMX Group (Nasdaq: NDAQ) and Borsa Istanbul A.S. have today concluded a wide-ranging agreement, which includes the delivery of market-leading technologies and advisory services to Borsa Istanbul, and NASDAQ OMX taking an equity stake in Borsa Istanbul. To read the full news, click here. Acacia Research (NASDAQ: ACTG) announced today that its Bolt MRI Technologies LLC subsidiary has entered into an agreement with Fonar Corporation (NASDAQ: FONR). To read the full news, click here. Douglas Emmett, (NYSE: DEI) announced that William Kamer will be retiring from full time service as its Chief Investment Officer effective January 31, 2014. Mr. Kamer will continue to be employed by Douglas Emmett as a Senior Advisor. To read the full news, click here. Acacia Research (NASDAQ: ACTG) announced today that its Brandywine Communications Technologies LLC subsidiary has entered into a settlement and patent license agreement with Alcatel-Lucent USA (NYSE: ALU). To read the full news, click here.Posted-In: Benchmark US Stock FuturesNews Eurozone Futures Global Pre-Market Outlook Markets
- [By Rich Duprey]
Office and multifamily housing operator�Douglas Emmett� (NYSE: DEI ) �announced yesterday�its second-quarter dividend of $0.18 per share, the same rate it's paid for the last two quarters after raising the payout 20% from $0.15 per share.
Top Heal Care Stocks To Buy For 2014: Avista Corporation (AVA)
Avista Corporation, an energy company, engages in the generation, transmission, and distribution of energy and other energy-related businesses in the United States and Canada. It operates in two segments, Avista Utilities and Advantage IQ. The Avista Utilities segment involves in the generation, transmission, and distribution of electricity primarily from hydroelectric and thermal sources. It also engages in the distribution of natural gas to retail customers in eastern Washington, northern Idaho, and parts of northeast and southwest Oregon, as well as in the wholesale purchase and sale of electricity and natural gas. As of December 31, 2010, this segment operated facilities with a total net capability of 1,791 mega watts, as well as provided retail electric service to 359,000 customers; and retail natural gas service to 319,000 customers. This segment offers electricity and natural gas to residential, commercial, and industrial customers. The Advantage IQ segment provides sustainable utility expense management and energy management solutions to multi-site companies in North America. It offers invoice processing, auditing and payment services, energy procurement, reporting, advanced analysis, and consulting services. In addition, the company engages in the custom sheet metal fabrication of electronic enclosures, parts, and systems for the computer, telecom, renewable energy, and medical industries; real estate investments, primarily commercial office buildings; and investing in emerging technology venture capital funds and low income housing. Avista Corporation was founded in 1889 and is headquartered in Spokane, Washington.
Advisors' Opinion:- [By Seth Jayson]
Calling all cash flows
When you are trying to buy the market's best stocks, it's worth checking up on your companies' free cash flow once a quarter or so, to see whether it bears any relationship to the net income in the headlines. That's what we do with this series. Today, we're checking in on Avista (NYSE: AVA ) , whose recent revenue and earnings are plotted below. - [By Dividends4Life]
Starting in 2013 the federal tax rates on qualified dividends are 0%, 15% and 20%. The 20% rate is for taxpayers in the 39.6% tax bracket. For those in the 10% and 15% brackets, there is no tax on qualified dividends. In contrast, ordinary income is taxed at rates up to up to 39.6%. Below are several stocks that have consistently paid dividends through depressions, recessions, world wars, and other political and economic upheavals:WGL Holdings Inc. (WGL) provides natural gas service in the Washington, DC, metropolitan area and surrounding regions, including Maryland and Virginia. Yield: 4.1% | Paid Dividends Since: 1852Exxon Mobil Corp. (XOM), formed through the merger of Exxon and Mobil in late 1999, is the world's largest publicly owned integrated oil company. Yield: 2.7% | Paid Dividends Since: 1882Consolidated Edison, Inc. (ED) is an electric and gas utility holding company serves parts of New York, New Jersey and Pennsylvania. Yield: 4.4% | Paid Dividends Since: 1885The Procter & Gamble Company (PG) is a leading consumer products company that markets household and personal care products in more than 180 countries. Yield: 3.2% | Paid Dividends Since: 1891The Coca-Cola Company (KO) is the world's largest soft drink company, KO also has a sizable fruit juice business. Yield: 2.9% | Paid Dividends Since: 1893General Mills, Inc. (GIS) is a major producer of packaged consumer food products, include cereal, yogurt and Betty Crocker desserts/baking mixes. Yield: 3.0% | Paid Dividends Since: 1898Avista Corp. (AVA) generates, transmits and distributes energy as well as engages in energy-related businesses in the United States and Canada. Yield: 3.0% | Paid Dividends Since: 1899MGE Energy Inc. (MGEE) is a public utility holding company that supplies electric service to apx. 140,000 customers; and natural gas service to apx. 145,000 customers in Wisconsin (as of December 2012). Yield: 2.8% | Paid Dividends Since: 1909Xcel Energy Inc. (XEL) offers energy-related prod
- [By Seth Jayson]
Calling all cash flows
When you are trying to buy the market's best stocks, it's worth checking up on your companies' free cash flow once a quarter or so, to see whether it bears any relationship to the net income in the headlines. That's what we do with this series. Today, we're checking in on Avista (NYSE: AVA ) , whose recent revenue and earnings are plotted below.
Top Heal Care Stocks To Buy For 2014: E-Commerce China Dangdang Inc.(DANG)
E-Commerce China Dangdang Inc. operates as a business-to-consumer e-commerce company in the People?s Republic of China. It engages in the sales of Chinese and foreign language books, and music CDs, VCDs, and DVDs through its Website dangdang.com. The company also offers general merchandise products, such as beauty and personal care products; home and lifestyle products; consumer electronics; baby, children, and maternity products; apparel and accessories; and footwear, handbags, and luggage. In addition, it operates the dangdang.com marketplace program, which enables third-party merchants to sell their products alongside products sourced by the company. The company is headquartered in Beijing, the People?s Republic of China.
Advisors' Opinion:- [By Roberto Pedone]
Another e-commerce player that's quickly moving within range of triggering a big breakout trade is E-Commerce China Dangdang (DANG), which is engaged in selling books online. It is also engaged in other media products and selected general merchandise categories. This stock has been on fire so far in 2013, with shares up a whopping 170%.
If you look at the chart for E-Commerce China Dangdang, you'll notice that this stock has been uptrending strong for the last month and change, with shares soaring higher from its low of $7.68 to its recent high of $12.19 a share. During that uptrend, shares of DANG have been making mostly higher lows and higher highs, which is bullish technical price action. That move has now pushed shares of DANG within range of triggering a big breakout trade.
Traders should now look for long-biased trades in DANG if it manages to break out above some near-term overhead resistance levels at $11.50 to its 52-week high at $12.19 a share with high volume. Look for a sustained move or close above those levels with volume that hits near or above its three-month average action of 3.15 million shares. If that breakout triggers soon, then DANG will set up to enter new 52-week-high territory, which is bullish technical price action. Some possible upside targets off that breakout are $15 to $17 a share.
Traders can look to buy DANG off any weakness to anticipate that breakout and simply use a stop that sits right below its 50-day moving average at $9.71 a share. One can also buy DANG off strength once it takes out that breakout levels with volume and then simply use a stop that sits a comfortable percentage from your entry point.
Top Heal Care Stocks To Buy For 2014: Yelp Inc (YELP)
Yelp Inc., incorporated on September 03, 2004, connects people with great local businesses. Its users have contributed a total of approximately 36.0 million cumulative reviews of almost every type of local business, from restaurants, boutiques and salons to dentists, mechanics and plumbers. Its platform provides local businesses with a range of free and paid services, which help them to engage with consumers at moment when they are deciding where to spend their money. The Company generates revenue from local advertising, brand advertising and other services. As of December 31, 2012, the Company was active in 53 Yelp markets in the United States and 44 Yelp markets internationally. Effective July 18, 2013, Yelp Inc acquired SeatMe Inc, which is a developer of restaurant and nightlife categories reservation applications.
Local Business
The Company enables businesses to create a free online business account and claim the page for each of their business locations. Business representatives can verify their affiliation with the business through an automated telephone verification process, which requires that they be reachable at the phone number, which is publicly displayed for their business listing on its platform. With their free business accounts, businesses can view business trends, message customers, update information and offer Yelp Deals. Its listing solution eliminates search advertising from the businesses��profile pages and allows them to incorporate a video clip or photo slide show on the pages. It allows local businesses to promote themselves as a sponsored search result on its platform or on related business pages.
The Company�� Yelp Deals product allows local business owners to create promotional discounted deals for their products and services, which are marketed to consumers through its platform. Yelp Deals have a fee structure based solely on transaction volume with no upfront costs, and it earns a fee based on the discounted price of each deal so! ld. It processes all customer payments and remits to the business the revenue share of any Yelp Deal purchased. It offers both e-mail deals, which are focused on demand generation and deals on its platform that are focused on demand fulfillment where businesses can target intent-driven consumers who are specifically searching for a product or service on its platform.
The Company�� Gift Certificates product allows local business owners to sell full price gift certificates directly to customers through their business profile page. The business chooses the price points to offer, and the buyer may purchase a Gift Certificate in one of those amounts. The Company earns a fee based on the amount of the Gift Certificate sold. The Company processes all consumer payments and remit to the business the revenue share of any Gift Certificate purchased.
National/Brand Advertisers
The Company offers its advertising solution for national brands that want to improve their local presence. These solutions consist of search and display ads (both graphic and text) on its Website, which are typically sold to advertisers on a per-impression basis. Its national advertisers include brands in the automobile, financial services, logistics, consumer goods and health and fitness industries.
Transaction Partners
The Company�� partnership, through a written agreement, with OpenTable provides consumers the ability to reserve seats directly on the business listing pages of restaurants, which participate in OpenTable�� network. Its partnership, through a written agreement, with Orbitz allows consumers to book rooms directly on the business listing pages of hotels, which affiliate with Orbitz.
The Company competes with Google, Yahoo! and Bing.
Advisors' Opinion:- [By Matt Brownell]
unnormalized/Flickr Yelp is giving small business owners a chance to air their concerns about the review site in a series of town halls across the country. And it turns out some these restaurateurs and small business owners have a bone to pick with the way Yelp does business. On Tuesday, Yelp (YELP) held its latest town hall in Los Angeles, with a panel of company representatives and friendly small businesses fielding questions and discussing ways to use Yelp. The idea, in part, was to reach out to a small-business community that often feels victimized by unfair reviews, as well as what some say are aggressive sales tactics by Yelp. But the forum didn't go exactly as planned for Yelp. As the Los Angeles Times reports, company representatives found a hostile crowd waiting for them:
Many slammed the company for allowing reviewers to post inflammatory comments - one restaurant manager said she cried for three days after a Yelper wrote that her restaurant was filled with Nazis. Others said they had been subjected to aggressive advertising calls from Yelp. Vintage clothing shop owner Reiko Roberts said the advertising pressure amounted to extortion. She said that when she declined to buy ads, "the lower reviews go to the top and the higher reviews go to the bottom."
- [By Ben Levisohn]
[The] sell-off also occurred in other high beta/high growth areas of the market. Other growth sectors, such as internet stocks, with some similarities to biotech stocks in terms of future expectations offsetting current losses, performed similarly in recent days. For example, yesterday Linked-In (LNKD) was off by 6%, Groupon (GRPN) was off by 4.6% and Yelp (YELP) was off by 7.6%.
- [By Jason Cunningham]
"Whether it's LinkedIn (NYSE: LNKD), Pandora (NYSE: P), Yelp (NYSE: YELP), you go back to Salesforce (NYSE: CRM), Workday (NYSE: WDAY), NetSuite (NYSE: N), I think we've proven to the clients in that industry we're a better partner, and now it's up to us to execute, 'cause Thursday is all about Twitter and the investors. It's not about us."
Top Heal Care Stocks To Buy For 2014: Callidus Software Inc.(CALD)
Callidus Software Inc., together with its subsidiaries, provides sales performance management (SPM) software applications and services. Its products include TrueComp Manager application that automates the modeling, design, administration, reporting, and analysis of pay-for-performance programs; Callidus Reporting for delivering real-time production reports; Callidus Analytics, which enable businesses to deploy performance dashboards across the finance, sales executive, and sales force teams; Callidus Objective Management to design and deploy strategic objective-based bonus plans and long term incentive programs; and Callidus Quota Management to allocate quotas effectively. The company?s products also comprise Callidus Communicator, which accelerates and streamlines communications with a business sales force and sales channels; Callidus Channel Management for telecommunication companies to view and update dealer information; Callidus Producer Management for insurance carri ers; Callidus Onboarding to build and optimize discrete, re-usable workflows; Callidus Coaching to optimize performance of their sales force and call centers; Callidus Plan Communicator that accelerates the process of rolling out and communicating incentive plans across the sales force; Callidus Commissions Manager for sales professionals; and ACom3, an incentive compensation automation suite. In addition, it provides software consulting services, including a range of SPM solution implementations, system upgrades, compensation plan enhancements, migration assistance, reporting and integration consulting, and solution architecture services; and SaaS-based sales assessments, coaching, and talent development solutions. The company serves the telecommunications, insurance, banking, technology, and life sciences/pharmaceuticals markets in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. Callidus Software was founded in 1996 and is headquartered in Pleasanton, California.
Advisors' Opinion:- [By James Oberweis]
Callidus Software (CALD) is a leading software-as-a-service provider of sales force effectiveness solutions, with more than 1,700 customers.
Its products help align sales reps' goals with the firm's goals. Since the beginning of 2011, Callidus has dramatically expanded its product offering through the completion of eight acquisitions.
- [By karnacua2]
Posted-In: Markets Trading Ideas
Around the Web, We're Loving... Cyber Trading University Presents: The Psychology of a Winning Trader Rumsfeld: Denial of Benefits to Fallen Soldiers' Families 'Inexcusable' Facebook, Baidu Lead Big Caps Beating Shutdown What Should You Know About AMZN? Most Popular These Four Story Stocks Got Beat Up Tuesday (TSLA, LNKD, NFLX, FB) Hewlett Packard's Chromebook 11 Features Innovation Not Found In Apple's MacBook (GOOG, HPQ) UPDATE: J. C. Penney Company, Inc. Provides Update on Progress of Turnaround Yahoo Chose Apple's iPhone, MacBook Pro To Promote Mail Upgrade Apple's iPad 5 Event To Crash Surface Release Party On October 22 Apple Should Have 'Immediately' Apologized For iPhone Blunder Related Articles (CALD) Callidus Software (CALD) Expects Q3 FY2013 Financial Results Will Exceed Previous Guidance, Shares Surged Stocks Hitting 52-Week Highs Morning Market Movers
Top Heal Care Stocks To Buy For 2014: Puma Exploration Inc (PUM)
Puma Exploration Inc. is a mineral exploration company. The Company is engaged in the acquisition and exploration of mining properties with the potential to host base-metal deposits. It is active in Canada and has a portfolio of mining properties. The Company�� properties include Nicholas-Denys, Ann�� Creek property, Turgeon property, Little Stull Lake Property and Ste-Marguerite Property. Its Nicholas-Denys area consists of 239 contiguous claims with a total surface area of 51.94 square kilometers and is 100% owned by the Company. The Company holds 100% mineral rights in Ann�� Creek area, which consists of 117 claims with a total area of 25.44 square kilometers. It holds 71% of the Little Stull Lake property located in the Stull Lake-Edmund Lake volcano-sedimentary belt of the Superior to Manitoba geologic province. The Ste-Marguerite property is located in the Vallee de la Matapedia, in Quebec. Advisors' Opinion:- [By Jonathan Morgan]
HeidelbergCement AG (HEI) added 3.2 percent after JPMorgan Chase & Co. upgraded the shares. Puma SE (PUM) slipped 1.6 percent after Europe�� second-largest sporting-goods maker reported earnings before interest and taxes for the second quarter that missed analysts��estimates.
Top Heal Care Stocks To Buy For 2014: PetSmart Inc(PETM)
PetSmart, Inc., together with its subsidiaries, operates as a specialty retailer of products, services, and solutions for pets in the United States, Puerto Rico, and Canada. The company offers consumables, such as pet food, treats, and litter; and hardgoods, which include pet supplies and other goods comprising collars, leashes, health care supplies, grooming and beauty aids, toys, apparel, and pet beds and carriers, as well as aquariums and habitats, accessories, d�or, and filters for fish, birds, reptiles, and small pets. It also provides fresh-water fish, small birds, reptiles, and small pets; and pet services, such as grooming, including precision cuts, baths, nail trimming and grinding, and teeth brushing, as well as training, boarding, and day camp services. In addition, the company operates PetsHotels that offer boarding for dogs and cats; provides personalized pet care, an on-call veterinarian, temperature controlled rooms and suites, daily specialty treats and p lay time, and day camp services for dogs; and operates veterinary hospitals, which offer services comprising routine examinations and vaccinations, dental care, a pharmacy, and surgical procedures. As of January 29, 2012, it operated 1,232 retail stores; 192 PetsHotels; 791 veterinary hospitals under the trade name of Banfield, The Pet Hospital; and 8 hospitals operated through other third parties in Canada. The company also offers its products through an e-commerce and community site, PetSmart.com. PetSmart, Inc. was founded in 1986 and is based in Phoenix, Arizona.
Advisors' Opinion:- [By Ben Eisen]
Given that outlook, he sees ten stocks in the consumer discretionary sector that qualify as bargains at the moment, including some of the very stocks that are expecting downbeat holiday results. They include: Advance Auto Parts Inc. (AAP) , AutoNation, Inc. (AN) , Bed Bath & Beyond Inc. (BBBY) , Carmax, Inc. (KMX) �, Nordstrom Inc. (JWN) �, PetsMart, Inc. (PETM) �, Ross Stores, Inc. (ROST) , Staples, Inc. (SPLS) �, Target Corp. (TGT) �, and Urban Outfitters, Inc. (URBN) .
- [By Rich Smith]
This series, brought to you by Yahoo! Finance, looks at which upgrades and downgrades make sense, and which ones investors should act on. Today, our headlines include a pair of retail downgrades for shopping center staples Bed Bath & Beyond (NASDAQ: BBBY ) and PetSmart (NASDAQ: PETM ) . But the news isn't all bad, so why don't we end the week on a bright note, and look first at why one analyst thinks...
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