3 Reasons To Avoid The Top Dividend Paying Stocks

To the average eye, searching for the top dividend paying stocks may seem like a great way to invest your money. Just think, snabblån invest a couple thousands dollars into a few stocks that yield double digit dividends and you can retire early! As nice as that sounds, investing in dividend paying stocks is a little more complex then that. It requires due diligence on the stocks that you plan to invest in, as well as careful planning and execution.

As much as we would all love to invest in a stock that returns a 15% dividend payment, there are way too many reasons not to. I have detailed a few of these reasons below.

Reasons NOT to Invest in the Top Dividend Paying Stocks Here are a few (there are more) examples of why investing in the top yielding stocks can be very risky.

Misleading Yield – Many of the top dividend paying stocks can be a little misleading at first. As a share price decreases, the dividend yield increases. Provided there is a valid reason for a stocks price decline (which is normally the case), the high dividend yield is a lagging indicator. More than likely, the company will be forced to make a dividend cut to free up cash and take care of any troubles they may be having. The bottom line is to make sure you research any top dividend paying stock prior to making an investment. Income Trusts – Many of the top dividend paying stocks that you can find today are known as income trusts. There are plenty of these double digit yielding stocks that are structured to payout the majority of their earnings in the form of a dividend. On the surface, this seems to be a great investment opportunity. However, most of the time it is just too good to be true. Many of these trusts are in the oil and natural gas exploration business or heavily invested in the real estate market. Income trusts are typically in highly speculative markets and have a strong chance of going under, so keep this in mind. Liquidity – Several of the highest dividend paying stocks actually have a very low trading volume. This means the liquidity in the stock is not very good and you may run the risk of not being able to sell your position at a competitive price. The same goes for when you purchase a stock. Low volume is not just a problem for dividend paying stocks, but many high yielding securities tend to trade on low volume. Run a Stock Screen If you want to truly understand the risks involved when investing in the top dividend paying stocks, run a stock screen and see what comes back. Find a stock screen tool that will allow you to enter the dividend yield of a company. Search for the highest dividend yields for all publicly traded companies. When your results return, chances are you probably have never heard of most of the stocks. You will also probably find that the majority of the stocks on your list have very low volumes and not a lot of information about the company.

I recently ran this same stock screen through my online discount broker looking for stocks that had a dividend yield greater than 15%. My results returned 40 securities that paid this level of distribution. Here are the top 5 results -

Robocom Systems Intl Inc. (RIMS.OB) – 128.57% Annuity & Life RE Hldgs (ANNRF.PK) – 111.11% Proshares Trust (TLL) – 100.02% ML Biotech Hldr (BBH) – 84.14% Nucryst Pharmaceut Com NPV (NCST) – 82.05% I then headed over and checked out the fundamental details of each of these stocks. Three of the top five stocks on my screen were actually penny stocks with extremely light trading volume. The only stock that even looked like a potential investment was Proshares Trust, but it was a far stretch.

The point of this exercise is to prove that the top dividend paying stocks by dividend yields are some of the riskiest investments that you can make. Just because a companies dividend yield is high, doesn’t mean the company has strong fundamentals. Remember that stocks with high yields are that way for a reason. Investors don’t believe the company can maintain it’s current yield and expect the distributions will come back down!

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5 Business Lessons We Can Learn From Mark Zuckerberg

The recent Facebook IPO has brought a lot of attention to Mark Zuckerberg and his methods of building his business into a massive corporation. influencer marketing agency While Mark Zuckerberg may not be the most comfortable person in social situations, he revolutionized a big chunk of the Internet with his special brand of entrepreneurship. Here are five business lessons that we can learn from Mark Zuckerberg.

Strike While the Iron is Hot

Mark Zuckerberg attended Harvard, but he also dropped out when he saw an opportunity to take advantage of. Some experts believe that if he had waited until he finished college, he would have missed out on the window to build Facebook into the primary social networking platform in the world. When Zuckerberg realize what he had, he quit school and moved with his team out to California. He focused solely on Facebook and what it could become instead of doing it on a part-time basis. If you come across a good idea that you know you could be successful with, don’t sit around and wait on it to happen on its own. Devote yourself to the idea and make it happen.

Surround Yourself With the Right People

Regardless of what type of business you are starting, you need to surround yourself with the right people to make it work. Zuckerberg realized that he was not perfect in every regard. He knew that he wasn’t the best at interacting with other people and hired people to handle human resources and other areas of the business for him. Instead of trying to do it all by himself, he filled in the gaps where he was deficient with other people who could help him out. You need to be in control and see your vision through, but at the same time, you need to bring on people who can help.

Keep it Fresh

Even if you are able to achieve a certain amount of success with your business idea, never stop innovating and coming up with new ideas and ways to improve your business. Mark Zuckerberg is always implementing new things to Facebook and trying to make it better. Introducing the Timeline feature is a prime example of trying to change the way Facebook is used. He implemented the change after he already had hundreds of millions of users and the company was worth billions of dollars. Some people might say “don’t change what isn’t broke.” However, if you never try to improve the company, someone is going to come along and do things differently and better than you.

Think About the Long-Term

Many business owners are very shortsighted and only think about what their companies can do in the short term. If you really want your company to be successful over the long-term, you need to think about the big picture. For example, in 2006, Yahoo offered to buy Facebook for $1 billion. Zuckerberg agreed to the deal and then later backed out when they lowered the offer to $850 million. He decided to back out based on what he believed the long-term value of the company to be.

Don’t Worry About What Other People Think

If there’s one lesson that you can learn from Mark Zuckerberg, let it be that you shouldn’t worry about what other people think. Many people along the way told Mark Zuckerberg that his idea wouldn’t work or that he should give up. He didn’t worry about what other people thought and is known for wearing a hoodie to important business meetings to show that he doesn’t really care. If you have a good idea, don’t let anyone talk you out of it for any reason Lisa Walton is a finance manager and guest contributor at Top Business Degrees, a site with guides and information to help prospective students find schools for business degrees.

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Important Information To Help You Achieve Your Weight Loss Goals

Weight loss can be a struggle for a large majority of people. People resolve to lose weight at New Year’s and put goals in their planners, but they don’t lose weight. Many of us blame busy schedules and not being motivation. If this sounds like you and you actually want to start losing weight, then read the following article for advice that will help you get started: https://www.nhsheroes.co.uk/

Keep a diary of the calories you eat in a day. This will usually cause you to eat less, as well as help you make better choices about the food that you eat. Watching what you eat is the best method of keeping unwanted pounds off.

Consuming coffee can help you lose weight. Coffee can provide a needed boost, as long as it isn’t overused.

When you are trying to cut calories, you can leave your plate unfinished. Many parents teach their children that they must finish everything they are served and this requirement often causes adults to struggle with weight gain for years. It’s okay to take leftovers home. You should not force yourself to eat just because is there. Be sure to stop eating as early as you feel that you are full.

Try to stay surrounded by other active people. Surrounding yourself with active people will encourage you to be active as well. Someone who won’t get off the couch may have the opposite effect.

Learn techniques to handle the stress in your life. Stressed bodies typically hoard fat and calories. You may know that your stress is temporary or just about a project you are working on, but your body thinks that you are fighting off a wild animal and must run. Steer clear of stress in order to facilitate weight loss.

If weight loss is your goal, avoid skipping meals. Skipping meals will only make you hungrier and prone to poor food choices that might cause you to overeat.


Be sure that you are getting enough sleep. It is recommended that an adult gets eight hours of sleep each night. If you are under the impression that being awake will make you shed pounds, you are wrong. The right amount of sleep will cause your body to get the right amount of metabolism that will help you burn the food you eat.

To ensure good health, keep your portions small. Eating smaller meals can help you lose weight and maintain that lower weight. This can help you feel and look better. Additional energy reserves plus a reduction in health issues are also added bonuses.

If you think that you’re hungry, wait about fifteen minutes before having a meal. Hunger pangs can occur as a result of dehydration or even boredom. Take a short walk or have some water. If you are hungry after trying this, you should eat.

Hypnosis is a weight loss technique that many people do not consider. After going through hypnosis, you will be more willing to make changes to your life and this could include your diet and activity level.

After awhile, you will be able to know when you need food instead of other times when you emotionally desire food for one reason or another. You would be amazed at how often people eat because they are sad and for other reasons other than hunger.

Pair exercise with a diet to lose weight. Weight loss is often a matter of making calorie expenditure higher than calorie intake. By exercising, you really burn a lot more calories, allowing you to lose weight faster or employ a less-restrictive diet. You can burn calories through activities like biking or jogging, while resistance training can be used to build muscle and speed up your metabolism.

Make sure your workout shoes are comfortable. You don’t want to hurt yourself or make yourself unnecessarily sore by wearing uncomfortable shoes that don’t fit right.

Let your friends and family know you are dieting so that they can help keep you on track. Posting your intentions on your blog is one opportunity to share your decision. You know your loved ones will be checking it out, so you will have added incentive to stick to your plan.

Eating healthy when you travel can be tough. Instead of stopping off at restaurants along your trip, take with you healthy food alternatives. Bring along some of your favorite fruits or vegetables, and snack items like granola, cheese or nuts. All these items are healthy and easily edible while you travel. Bring lots of water to help maintain hydration.

While a fair number of individuals have the desire, many never actually do anything about their weight loss plans. There are many reasons why this might be the case. Whatever the reason is, you do not have to let it stop you. Start your plan and reach your goals by using this advice.

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Best Tips to Use Public WiFi Securely

Are you using public WiFi to get connected to the internet? If so then you need to make sure your password and data security. Gather app The following tips can help you ensure your protection in public WiFi connections.

1. Turn-off Sharing:

The trend of using public WiFi is tremendously increasing day by day. The free public hotspots are increasing because the people find them to be budget friendly. Whether you are using the internet connection on your notebook, laptop, tablet or iPhone, sharing is the major phenomenon you need to avoid. At your private home networks, you can freely share your files and data with your friends and family members. But when it comes the matter of using public WiFi connections, then sharing your files and confidential data can increase the rate of hackers’ attack. To not let this happen, you can use default settings and firewalls onto your network.

2. Get a VPN:

Virtual Private Network (VPN) is the best way to help you enjoy secure browsing on public networks. A VPN can route your connection flow via a secure network so that even if you are using the public WiFi, you need not to worry to get your files and protected data hacked. A lot of companies are offering free VPN services, however the best way to have guaranteed connection integrity is by using paid VPN services. An economical VPN provider would charge you something about $7 per month for the unlimited bandwidth as well as multiple exit points.

3. Say NO to Automatic WiFi Hotspots:

Automatic WiFi hotspots can not ensure your privacy. So these need to be avoided immediately in case you are using a public network. Set your iPhone or laptop in a way that these don’t get the automatic WiFi signals and then connected by their own. An available WiFi hotspot is something which is likely to be accompanied with a lot of chances of hacking. Adjust your internet setting so that you don’t get connected immediately and automatically with any of the available connection. Your expression of permission needs to asked for before your get connected to a public network.

4. Use HTTPS:

There are a lot of websites which make use of HTTPS access for the purpose of encrypting your transfer data. But it is not a wise decision for you to rely upon those unfamiliar services. Instead you can create your own secure network connection with the help of your HTTPS browser extension. This is actually a plug-in which would enable all your website connections protected and secured with HTTPS. This would also help you in transferring your data securely without the risk of being hacked.

5. Confirm Your Network Name:

Sometimes it happens that the hackers create and setup fake network connections. Those who find an automatic hotspot get connected to them without caring to think of whether the network is secure or not. Unwitting public WiFi users have more chances to get trapped by such fakes. To not let this happen with you, it is your responsibility to make sure that the connection you are going to use is not unknown for you. Millions and billions of malicious attacks are waiting for you if you don’t avoid getting connected with the unknown public WiFi.

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April's Round Up Honest Laptop Reviews

The HP Envy 14 Spectre is one of the most exciting laptop models that have been released this year so far thanks to its bold departure from the cookie cutter mold in terms of design. It had received lots of buzz since even before its release, and we must say that it did very much live up to its hype.


The HP Envy 14 Spectre is a 14-inch ultrabook model that is not too common in the market thus far. Weighing in at just 4 pounds and measuring 12.9 x 8.7 x 0.79 inches in dimensions, this laptop is much lighter than the standard 14-inch laptop affair. Before we proceed to the essentials of the laptops, we just must state in advance the features that make this laptop model stand out from the crowd.


For starters, this is a glass-clad laptop model. Yes your heard right; glass! Instead of the meta-finish found on many high-end laptops, which is a little of a yawn by now, the screen, upper external lid and the palm rests on the Spectre has a glass finish to them. Whether when it is in use or closed up, the laptop has a very unique to it, resembling nothing in the market so far! When folded, it looks like your laptop is made of polished marble of some sort of stone, which is really cool!

While the word glass is synonymous to the word ‘fragile’, the glass finishing on the laptop are made from corning Gorilla Glass, which is extremely tough and durable. With that said, the element of vulnerability does, strangely enough, adds to the laptop appeal.


Audio fans will also be glad to know that the HP Envy 14 Spectre comes with Beats Audio, complete with a very handy physical volume control button, Beats Audio software, a built-in subwoofer and 2 high-end speakers.

As if there isn’t enough, the laptop also has another cool feature in the form of a built-in NFC (near field communications) antenna. This feature is meant to be used with a compatible smartphone. With the right app installed, all you have to do is to place the smart phone on the palm rest of the laptop for syncing or data transfer Seville Classic. This is uber- cool!

The HP Envy 14 Spectre comes with an Intel Core i5-2467M, a 128 solid-state drive, 4GB of DDR3 RAM and a 1600 x 900 display screen. It currently retails at around $1400 per unit, which is a little steep, but absolutely worth every penny for those who have some extra cash to spare.

click here for  full product details, images and current pricing >>

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