The Legal People in this World Part 2

In 1803, Lacey Brown was born. Evidence shows that he was a “Freed Man.” He had Nick Brown who married a Cherokee Woman. They had Lacey Brown II who married Martha Franklin. They had John Brown (1894 to 1957). He married Eliza Lucenda Blue (1899-1966). They had Jean Julia Brown who married William Jackson Williams II (Picture June 28, 1941) who had me.

When the Browns came to Stoney Point (A Free Union), they knew that ownership of Land was important in controlling their own destiny. They bought and controlled so much land in Stoney point over the past 200 years that they called part of it “Brown Town.” To this day, they still believe in such control and rightfully so. But in the age of corporations, a new way to control society has begun.

In the 1950s, Andrew Hacker saw the rise of unemployment due to corporate structural problems. He said that the corporation was made central to the nation’s economy. Another economist A. A. Berle pointed out in his paper “economic Power and the Free Society”, that one half of the US manufacturing goods and the 500 largest corporations own two-thirds of the productive assets of the United States. But the small business community has most of the working and entrepreneurial population. In the 1950s, most small business was independent of big business.

I believe that the problem started when the corporate raiders started buying out and taking over corporations on a daily bases starting in the 1960s and came to a head in the early 1990s. At that time multi-nation corporations became too big for any government to regulate or control. You saw that with the Enron Scandal and the bank and corporate bailouts.

One danger that A. A. Berle told us in the med 20th Century is that a pension fund of a large corporation is able to buy up the stock of its parent company and can come close to having a controlling interest. That means that management can become responsible to itself there by become self controlling. In such a case, the corporation would stop being innovative and will just exist for top management only. Is this what happened to the US Auto industry except for Ford Motor Company? Is this what happened to General Motors? Being too big to fail and management responsible to itself this reason why they had to be bailed out?

Andrew Hacker believed that organizations such as the American Medical Association, United Automobile Workers, The National Association for the Advancement of Colored People and the American Legion only participate in the struggle for political and economic to help its members in a democratic society. The institutions are its members. But IBM, General Motors, Xerox, and AT&T are not voluntary associations with individuals as members. They are associations of labor, assets, and no theory has declared that machines are entitled to a voice in the democratic process. Neither our constitutional law nor our political theories are able to account for the corporate presence in the arena of social power.

Corporations do not participate in politics in a meaningful way and lack the defenses that protect the old middle class. They are your shop keepers, business owners, and etc. The new middle class are created by and absorbed into the corporate structure. They are dependent on the good will of the organization employing it. Middle class employees are riding the crest of waves made by the corporation. Members of this middle class felt free, enjoying opportunities that their parents never experienced. Now that the Depression of the Early 21st Century has arrived, they are seeing that their power and wealth can disappear quickly without the help of these corporations.

From the 1970s to the present, Corporations have found that they can function with fewer employees, creating larger profits for stockholders and upper management. Corporate leaders have also found out that sending production to countries with lower price labor can also be beneficial to the Organization. This imports unemployment to the United States and with it, a drop in the American Standard of Living.

In the 2010 elections, we saw political repercussions of this by the voter. The “Tea Party” is a result of the anger and frustration in the States and the Federal Government to bring down the National and the State unemployment rate. In my opinion, the Tea Party will be able to elect state and federal officials but if they want to stay in office, they must satisfy the same Corporate Legal People that caused the American Economic Crises in the first place. A very small group of people in the corporation direct the assets of the organization. They decide how much to spend, what products are to be made, where they are to be manufactured, and who is to participate in the processes of production.

A single corporation like US Steel can draw up an investment program calling for the expenditure of billions of dollars on new plants and products. A decision like this may determine the quality of life for a substantial segment of society or in countries like China or India. Old communities in the United States such as Homestead, Pittsburgh, and Duquesne can and has deteriorated to the point of insolvency. People and material will move across continents, tastes and habits will alter, new skills in an area will be in demand, schools and education will be adjusted accordingly, and governments will fall into line, providing public services that the corporation needs. That is the power of a corporation. The machines of the corporation are the primary mover and they cannot be made accountable for their actions. They have momentum but no morality.

The recent banking, oil, and poison food problems should have taught you that public agencies set up to regulate private enterprise are soon brought to a close sympathy with the industry they are supposed to regulate. In fact, the same people who work for the public agencies leave and work for the agencies that they regulated. Yet others leave the corporation and go work for the public agencies then go back to the corporation. With this relationship corporations maintain a favorable climate for themselves. We are taught that the Anti-Trust Division of the Justice Department could “break-up” the corporations that over extend themselves against the American people. In fact, the government is weaker than the corporations.

In my opinion, it looks like two Americas are emerging. One is a society protected by the corporate umbrella and the other is a society whose members have failed to affiliate themselves with the dominant institution in the area. These failed people will be the unemployable, the ill-educated, and the people who are not simply needed by the corporation. If this pool of rejected people grows and finds political leadership, a force can rise to challenge the corporation. The last time that happened, Hitler came to power in the Depression of the 20th Century and started the greatest war in Human History!

Now what are you going to do about this? We have studied the basics about Corporation rights. I have an answer for you in the next blog. I told you about my family. This is a clue to what you can do to take back your rights and become wealthy along the way!

Who is reading this blog?

Here are the top 10 countries in percentage reading this blog;

United States--------------------84.91%

South Korea-----------------------4.14%

Canada----------------------------2.39%

Russia-----------------------------2.21%

Ukraine----------------------------1.75%

Chile-------------------------------1.2%

Hungry----------------------------1.2%

China------------------------------1%

Denmark----------------------------.64%

United Kingdom---------------------.64%

There are other countries that read the blog but they are not in the top 10 of the blog readership.

You and the Legal People in this World

Commonwealth of Virginia Slave Law allowed for any Native American that could be captured could be sold into slavery. This law allowed the creation of corporations that did just that; capture Native Americans for sale of people into slavery. Some of these corporations have evolved into other businesses and they exist today. One slave company that is now a bank is called Citibank.

I have a daughter named Amanda Ann Williams III (See her picture above). She is a model. She shows off clothing for some of these corporations. The second Amanda Ann is my x-wife. But the first Amanda Ann lived in an Indian village in Spotsylvania, Va. One day the village was attacked, the men were killed and the women and children were sold into slavery. Amanda Ann was sold to a slave breeder name Noah Smith. Amanda Ann and Noah Smith had Tom Porter (1839-1932). Tom Porter and Mandy Fry had Tom Porter II (1883-1928). Tom and Mary Yeager (1888-1960), the Aunt of General Chuck Yeager had Tom Montgomery Porter III. Tom Montgomery Porter III (1914-1998) and Clara Lee Ellis (Born 1924) had my x-wife Amanda Ann Williams. We had my youngest daughter, Amanda Ann Williams III (Born 1988), the third Amanda Ann.

When you hear people speak of the bible, you can assure that they will put things in the bible that is not there. I am speaking of things like “Cleanness is next to Godliness!” They do the same thing when speaking about the Constitution of the United States. Many people say that the Constitution talks about the separation of Church and State. Many use this misinformation to stop prayer in City Council and School Board Meetings. But the US Congress starts the day with prayer. Below is a debate concerning this topic.

http://www.theatlantic.com/politics/archive/2010/10/odonnells-constitutional-ignorance-extends-beyond-church-and-state/64862/


I make money from Legal People in the financial markets. However, I have a big problem with Legal People under the Constitution of the United States. Here is something from Wikipedia that explains this debate.

http://en.wikipedia.org/wiki/Corporate_personhood


The reason why our State and Federal Government does not work for the average American is that Legal People or Corporations have the same rights. They have the money to tell average people how to vote through TV, radio, flyers, and newspaper ads. They cannot vote but they can influence people to vote for candidates that service them. They can combine as a group and tell your congressman, senators, or president how they should run the country. We call these groups Associations, PACs, or Lobbies. They can persuade law makers to pass a law that the court system will have to enforce.

It was the industrial might of the United States that stopped the enemies of democracy in its tracks in World War I and II. It was the building of America’s infrastructure that put Americans to work. But it was Congress (Democrat and Republican) over the past 40 years that passed laws that dismantled America’s infrastructure. It took 300 years to put that infrastructure in place using slave, skilled, and unskilled labor.

My supervisor is upset again. He is not voting for any incumbent. Anyone that is in office will not get his vote. No matter whom gets into office, their boss will be the Corporations and they will do what the corporations say to do.

But Legal people are not legal at all according to Andrew Hacker, Author of “Politics and the Corporation.” http://catalogue.nla.gov.au/Record/2718145

Mr. Hacker saw all this that we are living today in 1958. He claims that Federal Legal People are outlawed under the US Constitution and the founding father’s assumed that the states would do the same. I knew of this information in the 1970s. I talked about it for the past 40 years. Would you believe that I got no attention? I was told by the local newspapers that I was on a personal crusade as late as 1999. Could it be because the people who would be able to spread the word are Corporations? We will see what he says in Part 2 of this series.


How is Darnell’s Investments doing?

These figures were taken on the close of Nov. 24, 2010. The Dow Jones Industrial Average is up Year to Date 7.28%. Since the Fed is pumping a great deal of money into the economy, increasing the chance for high inflation, the stock market should pick up.

Darnell’s Portfolio is up 24.75% for the Year to Date and 77.39% since January 30, 2009. However, due to the Fed’s money policy, Darnell’s Year to Date totals has come down from 25.89% Year to Date and 78.72% from its all time high from January 30, 2009. This is a signal that next year, his bond Portfolio may only increase between 12% and 24%.



Who is reading the Blog?

Here are the countries that have people who read my blog from Oct. 26 thru Nov. 24 in this order from highest to lowest;
1) United States
2) South Korea
3) Russia
4) United Kingdom
5) China
6) Taiwan
7) Canada
8) Germany
9) Netherlands
10) Poland

Speaking Prosperity or Poverty to Your Children, the Public, and Your Employees

In my last blog you saw my grandson. Above is my father William Jackson Williams II (1916 to 1974). Their personalities are different because of their economic differences and the circumstances given to them by life. His father was a product of the Cherokee nation and the violent hatred of European Americans. My grandson is a product of Jamaican culture in an American environment.


William Jackson Williams II was a product of the Great Depression of the 1930s. Willie as they called him, Black mother came from Alabama. His family fled Texas because of the killing of his Cherokee grandfather by the KKK at a very early age in Houston. He grew up hearing the stories of his Cherokee ancestors that was forced from their homes at gun point by the US Army to march to Oklahoma in the “Trail of Tears.” His father died when he was only 12 years old. He watched people lose their savings when banks folded in the 1920s and 1930s. That was before the days of FDIC.


Because of these events he grew up not knowing how to enjoy things that most of us take advantage of. With him it was spend the money before it goes away. But he would make comments about the market when he heard something on the news.


My father was not a believer in investing in Stocks and Bonds. If it was not a US Savings Bond then he wanted nothing to do with it. In the 1960s, my family would gather around the TV after dinner to watch Walter Cronkite on the CBS Evening News. I noticed when Walter talked about “the big props holding up the economy,” my father would get scared. When Walter talked about record earnings of some company, my father would say, “If I had money I would buy stock in that company.” This taught me that what people say about companies and the market affect people, in turn affect the market.


Over the years, I found that when the economy is doing well, companies can’t find enough unskilled workers, or families start impulsive spending, this talk makes the stock market go up. When more and more people are evicted from their homes or apartments, when more people are falling off the unemployment rolls, or more layoffs become the talk of the town, people sell stocks and that is when the stock market is in serious trouble.


I have learned to use people as my “bell weather” for when to buy or sell stocks. My supervisor has mutual funds in his retirement program. He came into work every morning complaining about how much he lost the day before. I did nothing until he told me that he sold all his retirement mutual funds. On TV the CEO of Ford said in a Congressional Hearing that they did not need bailout money. That is when I bought Ford Stock at $6.34 per share. I sold half my holdings in Ford 21 months later at $12.45 per share. The other half I will sell when people start talking negative again about Ford or the stock market.


You might ask where did I put the money from my sell of Ford Stock? You guessed it! I placed most of the money in the Discount Bond Market, mostly in VENEZUELA REPUBLIC NOTES 8.500% 10/08/2014, a B2/BB- Rated bond. The purchase price was $880 per bond.


I still have half my Ford Stock. I took out 97.37% cash out of my Ford Stock Investment. I placed that money in Venezuela Republic bonds that will make $460 per $1,000 bond in 4 years. In the end, I will still have Ford Stock and cash from this maturing bond issue. This is all due to the words of the CEO of Ford and my supervisor.


Interest rates will start going up soon because the Federal Reserve is printing money and putting it into the economy. The dollar will go down and commodity, food, and finish goods prices will go up. Interest rates on bonds will also go up and bond prices will go down. That means in the future, I can buy more bonds at a lower price getting higher interest rates. I keep the bonds to maturity so I do not have to worry about bond prices when I sell. That is because I rarely sell. My bonds mature at par or $1,000 each.


My half Jamaican grandson will grow up knowing all about Stocks and Bonds. He will participate in the Darnell L Williams Foundation, investing money for his descendents. If you look at both people, you will find out that my grandson has part of my father's face. If my father and my grandson would have a conversation about how to handle money, they will not be able to understand each other because their way of life will be so different. My father has the ways of half Cherokee and Black while my grandson is developing the ways of being half American and Jamaican. Both had or will have the background of a Great Depression. However, they will be completely different.

The Small Investor Quiz

Above is my grandson, a small speculator. This small investor/speculator is investing his time for future profits when grown. You should be investing your money for future use for such things as retirement, a new home or furniture, a new car, or for someone’s education. Not unless you have thousands of dollars to save, invest, or speculate, you must start out small using savings tools design for small investors or speculators.

Last week you took a test to see if you know the basics of the securities market. Now let’s see what you know about speculating or investing as a very small investor.

1) You have to have _____________ to open a Sharebuilder Account managed by ING and buy stocks.
A) $10
B) $25
C) $1,000
D) any amount

2) I can double my money using the rule of ___________!
A) 72
B) 115
C) 250
D) None of these

3) I can triple my money using the rule of _____________!
A) 72
B) 115
C) 250
D) None of these

4) The Sharebuilder Account managed by ING charges;
A) $4 per transaction
B) $10 per transaction
C) $12.50 per transaction
D) None of these

5) With the Sharebuilder Account, speculators can schedule transactions on a _________ bases.
A) Weekly
B) Biweekly
C) Monthly
D) All the above

6) The Sharebuilder Account has an inactivity fee! (True or False)

7) Direct Investment Plans (DRIPS) will allow you to buy
A) Only stocks above $25 per share
B) Full and fraction of shares
C) Only full shares
D) Only preferred stock

8) With DRIPS, you can invest without a broker (True or False)

9) With Drips, a large number of the companies do not charge a transaction fee or they charge a very low fee for purchasing its stock. (true or false)

In a US Company were to file for chapter 7, generally, how would the Federal Court System award the assets of the company to the interested parties?
10) _______________
11) _______________
12) _______________
13) _______________
14) _______________
15) _______________
16) _______________
17) _______________
18) _______________
19) _______________
20) _______________

Place above from Number 10 first paid to number 20 last paid
A. Common Stockholders
B. Preferred Stockholders
C. Expenses from such claim holders as Utilities, landlords, leasers, and vendors
D. Debenture holders
E. Bonds Junior Note holders
F. Bonds Senior Note holders
G. Mortgage Bondholders
H. Employee Payroll
I. Local Taxes
J. State Taxes
K. Federal Taxes

Answers

1) D
2) A
3) B
4) A
5) D
6) False
7) B
8) True
9) True
10) K
11) J
12) I
13) H
14) G
15) F
16) E
17) D
18) C
19) B
20) A
If you got 0, 1, or 2 wrong, you know a lot about being a small speculator or investor.
If you got 3 or 4 wrong, you have a good knowledge of who will be paid if the company of your investment folds.
If you got 5 or 6 wrong, you need to study up on Federal Bankruptcy law for corporations and how small investors and speculator save commission money as well as accumulate wealth.
If you got more than 6 wrong then read future blogs and learn more about small investing and Corporate Federal Bankruptcy.

In future blogs we will explorer DRIPS and Sharebuilder Plans more fully. Now let’s look at generational behavior in families and how it affects savings and investment.

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Who is reading the blog?

From Nov. 7 thru Nov. 14th, the following people in these countries read my blog during the week;

1) United States

2) Russia

3) Germany

4) Slovenia

The Investor/Speculator Test

Above is my home in Harrisburg, Pa. Let’s see if you understand the information that I have been giving you. Has this information been getting through to you? Here are 25 questions from the past 60 blogs.

1) Darnell Williams says to buy stock in company “A”. He has been right so far so you buy the stock. What are you doing in the market?

A) Gambling
B) Speculating
C) Investing
D) None of these

2) Darnell Williams gave you all the information that you need to figure out how the company of the underlying stock will do in the next 2 years. You buy the stock based on that information. What are you doing?


A) Gambling
B) Speculating
C) Investing
D) None of these

3) Darnell Williams gave you information about a bond that gives 8% interest per year every 6 months. The bond matures on 12-01-2012. It is a “BBB” bond with positive company earnings. You buy the bond. What are you doing?

A) Gambling
B) Speculating
C) Investing
D) None of these

4) You can loose money on an investment! (True or False)

5) Buying stocks is safer than buying S&P Rated “B” to “BBB” Corporate Bonds! (True or False)

6) In general the potential for making more money is in Stocks Vs. Corporate Bonds! (True or False)

7) I want to invest in company “x” stock because I think it is going to go up. Should I look to see if company “x” has a convertible bond first? If so, buy the convertible instead of the common stock? (Yes or No)

8) I bought 1,000 shares of Ford Stock at $2.00 a share. It is now selling at $20.00 a share. I am afraid the stock price will fall. Can I make money by insuring my stock by selling Ford Put Options in the Stock Market? (Yes or No)

9) I want to find out the yield that a stock is giving. I should look at;

A) The Price to Earnings
B) Dividend per year divided by the Current Price
C) Dividend per year divided by it yearly earnings
D) None of these

10) I can make money in a falling or Bear Stock Market by;

A) Not buying stocks at all
B) Buying bonds
C) Short selling stocks
D) Short selling bonds

11) Payout Ratio = $1.45 Annual Earnings/ 40 cents Annual Dividend – This will tell you;
A) How much the company pays in dividends
B) How much the company pays in expenses
C) How much the company earns
D) How much the investor pays in dividends

12) Preferred shareholders have priority over common stockholders on earnings and assets in the event of liquidation and they have a fixed dividend (paid before common stockholders). (True or False)

13) Preferred shareholders have higher risk than common stockholders when looking at earnings and assets in the event of liquidation. (True or False)

14) A _____________ Preferred Stock is a type of preferred stock that carries the provision that the issuer has the right to call in the stock at a certain price and retire it.

A) Participating
B) Prior
C) Contingent
D) Callable

15) What security has the lowest claim on Company Assets?

A) Mortgage Bonds
B) Debentures
C) Notes
D) Common Stock

16) The ___________ of Money is a term used to describe the rate at which money is exchanged from one transaction to another.
A) Movement
B) Velocity
C) Smell
D) None of these

17) GDP = C + I + G + (X - M) This is the equation for the __________________ .

A) Gross National Product
B) Gross Dispending Product
C) Gross Domestic Product
D) Gross Direct Product

18) This index measures our rate of Inflation, Deflation, and Stagflation.

A) CPI
B) Consumer Price Index
C) Both of these
D) None of these

19) This happens when the economy isn't growing but prices are.

A) Stagflation
B) Deflation
C) Inflation
D) None of these

20) _______ is the rate at which the general level of prices for goods and services is rising, and, subsequently, purchasing power falls.

A) Stagflation
B) Deflation
C) Inflation
D) None of these

21) ________ is, a general decline in prices, often caused by a reduction in the supply of money or credit.

A) Stagflation
B) Deflation
C) Inflation
D) None of these

22) Insurance is not an investment. Insurance is protection against loss. (True or False)

23) This is evidence of an IOU from a county within a state.

A) Municipal Bonds
B) Corporate Bonds
C) Treasury Bonds
D) Authority Bonds

24) The ____________ Plan uses income producing securities such as Utility Stocks.

A) Williams Plan
B) Tulloch Plan
C) Utility Plan
D) Income Stock Plan

25) Darnell L Williams objective in writing this blog is to;

A) Teach the public how to invest
B) Teach the public how to take back corporations
C) Teach the public how to save investment purchasing expenses
D) Teach the public how not to be taken advantage of by the banking, insurance, and brokerage communities
E) All of these



1) A -- because you did not take the time to read any research on the stock.
2) B -- because you do not know how the stock will perform in the future.
3) C – because you know how much money you are starting with, how much you will make and how much money you will have at the end of the investment.
4) True
5) False
6) True
7) Yes
8) Yes
9) B
10) C
11) A
12) True
13) False
14) D
15) D
16) B
17) C
18) C
19) A
20) C
21) B
22) True
23) A
24) A
25) E

How did you do?

If you got 0, 1, or 2 wrong then you know the material over the past 60 Blogs.
If you got 3 or 4 wrong then you are very knowledgeable of the material presented.
If you got 5 or 6 wrong then you have a fair knowledge of the material.
If you got 7 or 8 wrong then you need to read over the material again.
If you got more than 8 wrong, you have been on the Dating Service Websites instead of reading my material.

What is next in the Blog?

We are going to talk more about you speaking prosperity or poverty to your children. Then we are going to talk about legal people in America. Next, I am going to give you a step by step plan to follow in moving in and taking over the corporation of your choice.

While I am doing that, I want to hear from you. Tell me what topic you want to hear from me on. I will write a blog from time to time based on the topic that you send in to me. Send me your first name and the place on Earth where you live (City, State, or Country). No “off worlders” please. Let’s just keep it between the “family of man!”

Send to WDarn44243@aol.com

Planning Your Wealth by Researching Your Stocks

The first step in planning to make your money for future purchases is to know when you want to use the money that you are investing for. Once you know that, you can start researching your investments. Let’s say that you decided to speculate in the stock market by purchasing income stocks like we discussed in the past two blogs. The first step is to look for such speculative stocks.

You may start by checking with your broker. They may have a list of income stocks for you to consider. You may want to look at utility, bank, Real Estate, and insurance companies that you know about. Go to your local library and visit such magazines as Money, Forbes, Barons, and etc.
Once you have your list of stocks that you may want to speculate in, go to your computer and look up the information on the company. Make a chart like I showed you in the last blog. You start by looking up the information on the company by doing what I did above. Click on the picture above and follow the instructions. You do not have to use Yahoo to do this. There are hundreds of website that allow you to do the same thing as we are doing.

In this example, we are researching Universal Insurance Holdings Inc. on a given day at 1:02 PM. EST. At that time, the stock was up 12 cents to $4.64. The last trade before this price was at 12:46 PM at $4.62. You notice that it trades on the American Stock Exchange (AMEX by the name of the company). It closed yesterday at $4.52. It opened today at $4.56. Today this stock has gone as high as $4.63 and as low as $4.52. For the past 52 weeks the stock price range has been from $3.98 to $6.72. So the stock is only 8 cents from its yearly high.

The Analyst that follows this stock does not have an estimated One Year Target Price (1y Target Est.) for this stock to reach. This means that they do not want to guess where the stock price will be one year from now.

The chart to the right shows the activity of the stock so far today. If you click on five days (5d) it will give you what the stock has done in the past five days. The same is said for three months (3m), six months (6m), one year (1y), two years (2y), and five years (5y).

If you are a market technician then volume, average volume as well as market capitalization means something to you. Technical Analysis is a course in itself. We are not going to cover that at this time. We are market fundamentalist so it means very little to us.

The stock at this price is yielding 8.8%. We covered P/E ratio and the Earning Per Share (EPS) in the last blog.

Looking at “Headlines.” This is the current news that relates to this company. If you want to be kept up to date with the news and what they do and how they do it, you can read their news releases before you see and hear the information on TV. Sometimes companies stop trading of its stock when very important information is about to come out such as corporate takeovers or unexpected changes in the company’s fortunes.

If you look on the left hand side of the screen, you will be able to click on more information about the company and the industry that they are in. This site gives you information about who owns a large interest in the company as well as what analyst covers this company professionally. As you can see, anyone who wants to know about a publicly traded company can look it up. It is as easy as I showed you.

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Who is Reading Darnell's Blogs?

If we look at the last months of viewing (Oct. 5 - Nov. 3), the viewing is as follows from highest to lowest;

1) United States

2) Ukraine

3) Russia

4) Chile

5) Hungary

6) South Korea

7) China

8) Taiwan

9) United Kingdom

10) Poland

Planning Your Wealth by Researching Your Stocks

The first step in planning to make your money for future purchases is to know when you want to use the money that you are investing for. Once you know that, you can start researching your investments. Let’s say that you decided to speculate in the stock market by purchasing income stocks like we discussed in past blogs. The first step is to look for such speculative stocks.

You may start by checking with your broker. They may have a list of income stocks for you to consider. You may want to look at utility, bank, Real Estate, and insurance companies that you know about. Go to your local library and visit such magazines as Money, Forbes, Barons, and etc. Once you have your list of stocks that you may want to speculate in, go to your computer and look up the information on the company. Make a chart like I showed you in one of the previous blogs. You start by looking up the information on the company by doing what I said above. Click on the link above and follow the instructions. You do not have to use Yahoo to do this. There are hundreds of website that allow you to do the same thing as we are doing.

http://finance.yahoo.com/tech-ticker

Click on the link above. Next, type in "Universal Insurance Holdings Inc." left to "Get Quotes" at the top left of the screen. Last press "Get Quotes."

I studied Universal Insurance Holdings Inc. around the beginning of December 2010. Compare the information on the screen with the information below.

In this example, we are researching Universal Insurance Holdings Inc. on a given day at 1:02 PM. EST. At that time, the stock was up 12 cents to $4.64. The last trade before this price was at 12:46 PM at $4.62. You notice that it trades on the American Stock Exchange (AMEX by the name of the company). It closed yesterday at $4.52. It opened today at $4.56. Today this stock has gone as high as $4.63 and as low as $4.52. For the past 52 weeks the stock price range has been from $3.98 to $6.72. So the stock is only 8 cents from its yearly high.

The Analyst that follows this stock does not have an estimated One Year Target Price (1y Target Est.) for this stock to reach. This means that they do not want to guess where the stock price will be one year from now.

The chart to the right shows the activity of the stock so far today. If you click on five days (5d) it will give you what the stock has done in the past five days. The same is said for three months (3m), six months (6m), one year (1y), two years (2y), and five years (5y).

If you are a market technician then volume, average volume as well as market capitalization means something to you. Technical Analysis is a course in itself. We are not going to cover that at this time. We are market fundamentalist so it means very little to us.

The stock at this price is yielding 8.8%. We covered P/E ratio and the Earning Per Share (EPS) in the last blog. Looking at “Headlines.” This is the current news that relates to this company. If you want to be kept up to date with the news and what they do and how they do it, you can read their news releases before you see and hear the information on TV. Sometimes companies stop trading of its stock when very important information is about to come out such as corporate takeovers or unexpected changes in the company’s fortunes.

If you look on the left hand side of the screen, you will be able to click on more information about the company and the industry that they are in. This site gives you information about who owns a large interest in the company as well as what analyst covers this company professionally. As you can see, anyone who wants to know about a publicly traded company can look it up. It is as easy as I showed you.

Evaluating Income Stocks for High Dividend Satisfaction

Above is my list of the top 10 Income Securities to consider purchasing for income investing. To date, I do not have any of these securities in my portfolio. It is not because I don’t like them. It is because my favorite securities of choice are Corporate Bonds.

By the way, another way you can see my blogs is on my Face book. If you want, place in your Google Search “Face book Darnell Williams bond investments” and look for my blog, “10 Income Stocks for Your IRA Portfolio.”

Now you are ready to learn how to evaluate these stocks, REITS, and Close End Funds. You can find more of these securities by contacting your brokerage firm and asking for a list of income securities. Most can send you information similar to what you see in my blog or face book. The information that I am telling you about can be listed on an EXCEL Spreadsheet. You can sort the data by “Yield Percentage” and “Payout Ratio.” Since I do not believe in “stock marriage” or falling in love with stocks, I would buy the top yielding stocks with the lowest Payout Ratio. I would sell them when needed.

Let’s talk about the columns on this report. “No.” is the ranking that the analyst (you) give it. “Company Name” is the name of the company giving the dividend. “Computer Symbol” is the code that you can type into your computer and get “up to date” information on the company and its securities such as current price, earnings and yield. For this blog we will take a look at Universal Insurance Holdings with the computer symbol “UVE” in the above example.

“Frequency of Dividends” means how often the security will give a dividend. Some companies give dividends monthly, some quarterly, yet others give dividends yearly. Investments that give a monthly dividend can give you a higher compounding rate when reinvested.

The price of the stock or security (above) is the price of the security when I did the research on these companies. The “Annual Dividend” is the amount of cash given to the investor or speculator per share per year.

“Has a Preferred” means that this security has preferred stock traded publicly that you can purchase. I did not place the company’s preferred stock on my list.

Look at Universal Insurance Holdings. “Yield Percentage” is given to (you) the researcher by following this equation. Yield = Annual Dividend / Stock Price. For example; 8% Yield = 40 cents / $4.68 stock price. I strongly consider this when looking to buy a security.

“Payout Ratio” is how much of the company’s earnings will be paid out to investors and speculators. The equation is as follows; Payout Ratio = Annual earnings per share / Annual Dividend. For example; 57.97% Payout Ratio = $1.45 Annual Earnings/ 40 cents Annual Dividend. Some people take present earnings, others take next year’s projected earnings to come out with this figure. If you want a stock that appreciates then the company should have money to spend on future activities. In that case, the Payout Ratio should be no more than 80%. The lower the Payout, the better for you. If dividends are all you care about then this figure should be no more than 95%.

The objective is to make money for you and your family, not for others. I only use a few ratios like the ones above when looking at securities. These are some of the few. My oldest daughter is going for her MBA. She just finished one of her finance courses. She wanted me to look at some calculations that her class taught her to determine what stocks will go up or down. I told her that her paper was fine.

Then I told her that once her class is over, forget that “crap.” If that stuff worked then all these banks and investment houses would not have gone under nor needed bailout money in the past 3 years. This depression is the test that proves that none of this MBA Investment Crap invented by investment firms to “rasal dasal” the public works! By the way, she got an “A” on her paper.

Who is looking at Darnell’s blog?

I want to welcome Singapore to our blog. The top 10 ranking from more read nation to the least is; 1) United States, 2) South Korea, 3) Canada, 4) Ukraine, 5) Russia, Tied for 6 is Chile and Hungary, 8) China, 9) Denmark, 10) Bulgaria.