Dump it Here

[TimeISmoney]

since i down-play capital gains , i would conclude the opposite , i see a small pie with a giant cherry ( bubble ?? ) on top

but that is just my point of view

The real challenge with any investment is beating yearly inflation.

 

[divs4ever]

@ANZ pays their dividends twice a year. Up until the last dividend franking was at 100%. They have reduced their franking in line where the profits are generated. (which makes sense). ANZ current franking percentage is 56%

1. ANZ Bank (ASX: ANZ) - Dividend Yield: 6.6%, Franking Credits: 56%
2. BHP (ASX: BHP) - Dividend Yield: 4.7%, Franking Credits: 100%
3. CBA Bank (ASX: CBA) - Dividend Yield: 3.9%, Franking Credits: 100%
4. FMG (ASX: FMG) - Dividend Yield: 7.6%, Franking Credits: 100%
5. Woodside Energy (ASX: WDS) - Dividend Yield: 11.7%, Franking Credits: 100%

Skate.

but last i heard ANZ was out of step with your other stocks ( like CSR is )

which might mean only one div. aid in that 12 month period ( not a bad thing for a long term holder , but those only holding for twelve months or less , might have to do some extra math

ANZ

ANZ GROUP HOLDINGS ORDINARY

Change

Balance Date	Dividend Type	Cents per share	Ccy	Franked %	Ex-Dividend Date	Books Close Date	Pay Date
30/09/2023	Final	94.000	AUD	56.00	16/11/2023	17/11/2023	22/12/2023
31/03/2023	Interim	81.000	AUD	100.00	15/05/2023	16/05/2023	03/07/2023
30/09/2022	Final	74.000	AUD	100.00	07/11/2022	08/11/2022	15/12/2022
31/03/2022	Interim	72.000	AUD	100.00	09/05/2022	10/05/2022	01/07/2022
30/09/2021	Final	72.000	AUD	100.00	08/11/2021	09/11/2021	16/12/2021
31/03/2021	Interim	70.000	AUD	100.00	10/05/2021	11/05/2021	01/07/2021
30/09/2020	Final	35.000	AUD	100.00	09/11/2020	10/11/2020	16/12/2020
31/03/2020	Interim	25.000	AUD	100.00	24/08/2020	25/08/2020	30/09/2020
30/09/2019	Final	80.000	AUD	70.00	11/11/2019	12/11/2019	18/12/2019
31/03/2019	Interim	80.000	AUD	100.00	13/05/2019	14/05/2019	01/07/2019

cheers

 

[divs4ever]

The real challenge with any investment is beating yearly inflation.

+1

hasn't it , almost like a betting sport , guess the real inflation then try to beat it

 

[TimeISmoney]

The Inconvenient Truth
The truth is, there’s "no shortcut" to success. The path to any worthwhile reward is paved with effort. It’s easy to desire the reward, but it’s the willingness to put in the effort that separates dreamers from achievers.

We live in a world that often promotes instant gratification
However, true success is rarely instant. It’s the result of consistent effort over time. You often hear the phrase "an overnight success" but fail to realise that success was a lifetime in the making.

Skate.

There are a lot of vultures and sharks in this game @Skate, unlike many other investments you can practically lose most of your money overnight. I bought a muscle car in my early 20's that I still have to this day for $7000 and people thought I was mad, now valued well over the $200K mark. The rental I bought in the mid 2000s is now worth 4 X the original value. I could have practically sold any of these investments at any time for the same amount or more.

The stock market is crazy, companies with little intrinsic value are worth more than companies that have much more, and companies with little net growth are worth more than companies that have years of net growth, then you have 80% of small businesses don't survive over one year, 30% after 10 years. Most of the stocks are overvalued on speculation, even the most crappy ones. On top of all of this, you have people artificially pumping up the stock price to catch people out with their hard-earned savings, it's a tough game to swim around in with the biggest sharks that have years of experience.

In the mid-90s I remember buying into solid stocks like banks and seeing instant growth, although not big profits but not this manipulated market prices you see like a yo-yo these days. I recall a financial adviser hounded me from Westpac with their share fund until I gave it a go and my own portfolio beat it hand downs.

 

[farmerge]

@divs4ever, I'm in a reflective mood and want to share my thoughts on the 'Equation for Success.' I know readers may be thin, but the act of posting is liberating. I hope my musings resonate with someone, even if they're quickly dismissed by others.

The equation for success is simple, Effort = Rewards
This principle applies to any goal we aspire to achieve, whether it's trading and investing or personal growth and development. The more effort we put in, the greater the reward we can expect.

Skate.

Professor so true, no matter what the investment is even working for a quid, generally the more input the better the return. For me as a farmer/contractor that is my mantra.

 

[farmerge]

Effort Equals Rewards
In life, we often find ourselves yearning for rewards. Be it in the form of accolades, recognition, wealth, or personal satisfaction, these rewards serve as the end goal that motivates us. However, it’s crucial to remember that rewards are not simply handed out, they are earned.

Skate.

Spot on. Though it is cherry rosey nice to be appreciated for a job well done from others or that glowing feeling of having done well in the market place.

 

[farmerge]

There are a lot of vultures and sharks in this game @Skate, unlike many other investments you can practically lose most of your money overnight. I bought a muscle car in my early 20's that I still have to this day for $7000 and people thought I was mad, now valued well over the $200K mark. The rental I bought in the mid 2000s is now worth 4 X the original value. I could have practically sold any of these investments at any time for the same amount or more.

The stock market is crazy, companies with little intrinsic value are worth more than companies that have much more, and companies with little net growth are worth more than companies that have years of net growth, then you have 80% of small businesses don't survive over one year, 30% after 10 years. Most of the stocks are overvalued on speculation, even the most crappy ones. On top of all of this, you have people artificially pumping up the stock price to catch people out with their hard-earned savings, it's a tough game to swim around in with the biggest sharks that have years of experience.

In the mid-90s I remember buying into solid stocks like banks and seeing instant growth, although not big profits but not this manipulated market prices you see like a yo-yo these days. I recall a financial adviser hounded me from Westpac with their share fund until I gave it a go and my own portfolio beat it hand downs.

The shark tank is a hard ask. Small arena and big sharks.

 

[farmerge]

Before I step off my soapbox
The next time you find yourself desiring a reward, ask yourself “Am I willing to put in the effort?” Remember, effort equals rewards. Embrace the effort, enjoy the process, and the rewards will follow.

Remember, the journey towards any reward is often filled with persistence, hard work and determination or as I call it a PhD. Embrace the process and the rewards will surely follow.

View attachment 174222
Skate.

Thankyou professor Skate A most interesting read this morning and I will as I usually do back over what you have soap-boxed.

 

[qldfrog]

Spot on. Though it is cherry rosey nice to be appreciated for a job well done from others or that glowing feeling of having done well in the market place.

With all due respect, this is such an old fashion view : effort equal reward...
definitively not true in 2024:
average income of a minimal wage income vs an illegal immigrant in EU, US?
average growth and money made on a value study vs a pump up meme stock?
only oldies like us value effort and still pretend it is linked to reward...
maybe somewhat..if you really do nothing..yeap you will get nothing and crossing the mexican border or filling asylum or centerlink form is an effort yes;
how much effort does a self retiree need to get the equivalent of the pension(indexed) without touching his capital and after taxes and costs..
effort equal reward...
So sorry to disagree ..but yes some of us have a silly pride in "a job well done" or a $ well earnt...
I know I stupidly do..but am aware of the real world too...

 

[divs4ever]

The shark tank is a hard ask. Small arena and big sharks.

that is why i often dabble in 'small ponds ' where sharks can't abound

how small ?

in at least one stock i was the only buyer all year ( two small parcels )

 

[divs4ever]

There are a lot of vultures and sharks in this game @Skate, unlike many other investments you can practically lose most of your money overnight. I bought a muscle car in my early 20's that I still have to this day for $7000 and people thought I was mad, now valued well over the $200K mark. The rental I bought in the mid 2000s is now worth 4 X the original value. I could have practically sold any of these investments at any time for the same amount or more.

The stock market is crazy, companies with little intrinsic value are worth more than companies that have much more, and companies with little net growth are worth more than companies that have years of net growth, then you have 80% of small businesses don't survive over one year, 30% after 10 years. Most of the stocks are overvalued on speculation, even the most crappy ones. On top of all of this, you have people artificially pumping up the stock price to catch people out with their hard-earned savings, it's a tough game to swim around in with the biggest sharks that have years of experience.

In the mid-90s I remember buying into solid stocks like banks and seeing instant growth, although not big profits but not this manipulated market prices you see like a yo-yo these days. I recall a financial adviser hounded me from Westpac with their share fund until I gave it a go and my own portfolio beat it hand downs.

i prefer to think of myself as a Moray eel , hide in my little crevice until a tasty morsel comes close , a quick bite ( or two ) and back to watching the BIG predators at play

 

[TimeISmoney]

that is why i often dabble in 'small ponds ' where sharks can't abound

how small ?

in at least one stock i was the only buyer all year ( two small parcels )

I'm learning to exit the water before they come with as many fish as possible but they'll smell the money like blood in water Kms away and will soon be there for their feast.

i prefer to think of myself as a Moray eel , hide in my little crevice until a tasty morsel comes close , a quick bite ( or two ) and back to watching the BIG predators at play

Moray eels are a force unto themselves, I know how sharp their teeth are and their raw blood contains toxins.

 

[Skate]

With all due respect, this is such an old fashion view : effort equal reward...
definitively not true in 2024:

@qldfrog, thank you for sharing your thoughts on this topic. I appreciate your perspective and the examples you've provided to illustrate your point. You're right that the relationship between effort and reward can be complex and influenced by various factors, such as luck, timing, and external circumstances.

Ultimately, our perceptions of effort and reward are deeply personal and shaped by our individual experiences. While some find inherent value in hard work, regardless of the outcome, others may view it differently.

Skate.

 

[divs4ever]

and their raw blood contains toxins.

interesting , maybe i am closer related that i thought

( although some of that is the current meds )

 

[divs4ever]

Ultimately, our perceptions of effort and reward are deeply personal and shaped by our individual experiences. While some find inherent value in hard work, regardless of the outcome, others may view it differently.

a slight modification to that , is knowing when and were to apply that effort ( and when to cease and apply it elsewhere )

 

[Skate]

Ultimately, our perceptions of effort and reward are deeply personal and shaped by our individual experiences.

I'm heartened by the number of people who have read my musings today, as I thought I was just putting my thoughts on paper. I saw a post where the response to a question was 'a hundred pages' and 'a bit time consuming' made me realise that some people are looking for a quick fix rather than putting in the effort to achieve a reward.

Skate.

 

[TimeISmoney]

and it made me realise that some people are looking for a quick fix rather than putting in the effort to achieve a reward.

Skate.

It's the way of the world these days, I've heard some psychologists liken it to the artificial quick rewards with computer games. You see it in every industry, young people barely coming out of their diapers expecting top money equivalent to someone in the job for years.

 

[divs4ever]

I'm heartened by the number of people who have read my musings today, as I thought I was just putting my thoughts on paper. I saw a post where the response to a question was 'a hundred pages' and 'a bit time consuming' made me realise that some people are looking for a quick fix rather than putting in the effort to achieve a reward.

Skate.

well there is 'a magic formula ' , but everyone needs to discover their own magic formula

otherwise keeping level with the herd makes passive indexes , a compelling option , never advancing more than others ( but susceptible to the downside more than some , because some will change course earlier )

 

[farmerge]

With all due respect, this is such an old fashion view : effort equal reward...
definitively not true in 2024:
average income of a minimal wage income vs an illegal immigrant in EU, US?
average growth and money made on a value study vs a pump up meme stock?
only oldies like us value effort and still pretend it is linked to reward...
maybe somewhat..if you really do nothing..yeap you will get nothing and crossing the mexican border or filling asylum or centerlink form is an effort yes;
how much effort does a self retiree need to get the equivalent of the pension(indexed) without touching his capital and after taxes and costs..
effort equal reward...
So sorry to disagree ..but yes some of us have a silly pride in "a job well done" or a $ well earnt...
I know I stupidly do..but am aware of the real world too...

Mr frog, I too take exceptional pride in what I do, whether it is for Me and She and/or contract work that is undertaken.
Even how I present my cattle at the saleyards.
Pride in what I do is paramount.
Old school values Yes.
Ancient in years Yes.
Proud to be all of this oh Yes

 

[farmerge]

I'm heartened by the number of people who have read my musings today, as I thought I was just putting my thoughts on paper. I saw a post where the response to a question was 'a hundred pages' and 'a bit time consuming' made me realise that some people are looking for a quick fix rather than putting in the effort to achieve a reward.

Skate.

Professor. Keep it up, Sir, you are a legend. ge