The nation's weather

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MLPs: Better Than Dividend Stocks for Income Investors?

by Mike Kapsch, Investment U Research
Wednesday, May 23, 2012

As income investors scour the market for higher yields, a number of them are (in fact) shifting their attention from dividend stocks to MLPs like EPD and ETP.

Last December, Investment U Senior Analyst Marc Lichtenfeld made some bold predictions for income investors in 2012.

Perhaps his biggest was that Apple (Nasdaq: AAPL) would declare a dividend. Of course, in March, Apple did just that.

Another prediction was that master limited partnerships (MLPs) would be one the hottest investments this year.

Marc pointed out, as dividend stocks become more popular, their overall yields will go down. As a direct result, investors will widen their search for income and end up in MLPs.

MartketWatch reported just a few days ago, ?In 2012, S&P 500 companies are on pace to pay out a record amount in dividends ? $277 million or about $29.02 per index share.?

What does this tell us?

It?s that dividend paying stocks are more popular than they?ve been in a very long time, if ever.

And as investors scour the market for higher yields, a number of them are (in fact) shifting their attention to MLPs.

The Good? the Bad? and the Easy Way

It?s doesn?t take much to see why MLPs are gaining in popularity today?

• The average dividend from the S&P 500 yields just about 2%.
• 10-year Treasuries pay less than 2%.
• And money market accounts return next to nothing.

Meanwhile, MLPs like Enterprise Product Partners (NYSE: EPD), Energy Transfer Partners (NYSE: ETP), and Regency Energy Partners (NYSE: RGP) yield 5%, 7%, and 9% respectively. Returns from other MLPs can be even higher.

Because MLPs redistribute at least 90% of their income back to investors (known as unit holders), they typically have higher yields than regular dividend paying stocks.

But there?s a second reason more investors are looking into them as well? taxes.

You see, distributions from MLPs offer a unique tax advantage because a portion of their payouts is considered a ?return of capital,? not a dividend.

Therefore, unit holders are not taxed on their return of capital until they go to sell their holdings.

Now if this sounds enticing and complicated all at the same time, you?re absolutely right.

And this is exactly what makes MLPs good for some and bad for others. I?d say, unless you know what you?re doing, you should consult a tax advisor before investing a dime in any MLP.

But is there any way to enjoy higher yields from MLPs without the tax headaches?

Yes. And the answer for you may be in ETFs.

MLP ETFs

Something you?ll quickly notice about MLPs is that nearly all of them are companies involved with the storage and transportation of commodities such as oil or natural gas.

Not surprisingly, MLP ETFs are also comprised the same way.

For instance, Alerian MLP Infrastructure Index ETF (NYSE: AMLP) contains 50 prominent energy-related MLPs in its fund.

Typical of individual MLPs, Alerian also has a juicy yield of 6%. But unlike regular MLPs, it?s structured like a C-corp and is required to pay state and federal income taxes.

In other words, while you?ll have higher income and less headache to deal with at tax time by investing in an MLP ETF, you will also pay taxes and fees on the fund just like you would investing in any other dividend generating ETF.

Alerian has an expense ratio of 0.85%. Among MLP ETFs, the average expense ratio is 0.88%. But this number was just slashed by a new ETF, Global X MLP ETF (NYSE: MLPA), which just launched a little over a month ago. Its expense ratio is just 0.45%.

Looking Forward

No matter how you look at it, MLPs are increasingly becoming a popular way to invest among savvy investors. But if you?re not one for getting involved in their complicated tax structures, you may want to consider an MLP ETF as an alternative. With interest rates to remain low at least until 2014, you?re going to be hard pressed to find a more solid yield for your investments.

Good Investing,

Mike Kapsch

MLPs: Better Than Dividend Stocks for Income Investors?, 5.0 out of 5 based on 3 ratings

VN:F [1.9.16_1159]

Rating: 5.0/5 (3 votes cast)

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Make Credit Counseling Work For You

The general assumption is that credit counseling is only for people filing for bankruptcy. While it is a requirement in most states for bankruptcy filers, anyone can benefit from the resources credit counselors can provide. However, the process requires active participation and can be as successful as you make it.

Credit counseling agencies offer a wide range of resources from simple budgeting and money management, to developing your own debt reduction strategy or investments. In order to get the most from your credit counseling experience you need to participate. This means being an active listener, taking notes and putting the skills learned into practice. Whatever your reason for seeking help from a credit counselor, know that the most important tool of the process is you.

If you sought credit counseling to learn about debt reduction strategies it is important that you carefully review all of your options before implementing a plan to reduce your debts. Not all debt reduction strategies are equally beneficial, especially if your financial situation is unique. The idea is to closely examine your financial situation, review your budget to determine what your needs are and outline an individualized plan to meet your goals. This may require additional assistance or further training at a credit counseling agency.

Even if you aren?t suffering from a financial hardship or overwhelming debt, chances are you could still use room for improvement in your finances. Becoming a smart money management takes planning and practice. You may not succeed right away, but having a clear idea of your short and long term goals can keep you on track. Develop a list of goals you want to accomplish each month, like paying 20% more than the minimum payment on a debt or saving at least 15% of your gross monthly income. You also need a list of long term goals, like paying off at least one credit card within the year or making an extra mortgage payment. Whatever your goals, write them down and keep track in order to stay on the path to financial freedom.

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[VIDEO] Marketing Your Brand Online : Jason Teichman Web.com ...

Video streaming by Ustream

Jason Teichman?EVP & Chief Marketing Officer?at?Web.com {Nasdaq: WWWW} spoke to more than 300 small businesses in Jacksonville last week (May17-18) as part of City of Jacksonville, Mayor Alvin Brown?s Business Builder effort ?Creating Opportunities for Small Business Growth?. The theme of Jason?s talk was ?Marketing Your Brand Online?. With the experience of serving about 3 Million Small Business customers, Teichman reiterated the important goals to consider when doing business on the internet.

Some tips on having a web presence from Teichman:

• Every website needs to have purpose ? drive phone calls, make people visit my store or drive more leads
• Is the basic information that the customers need about the business should be easily accessible: ? hours, phone number etc
• Make the differentiating measure appear prominently What makes your product or business special, why should customers buy from you?
• Does your website look credible? Credentials from Associations you are member of, degree or qualification, experience in the market, Length of time you have been doing business will make your site look credible
• Testimonials from other happy customers, pictures of your business will interest your website visitors and will tell your story
• Simple is always better and keep the main message prominent so visitors? interest will be peaked and they will stay longer to explore the other areas of the website

In his presentation Teichman?s discussed useful tips for small business on building their web presence ? advice on the pros and cons of different approaches ? build ia website from scratch, use a web building tool or outsourcing it. Registering domains, working with professionals. Importance of having a plan to make people visit your plan and touched on all the aspects of building and managing your business online. Using Search Engine Optimization to your advantage and search engines and other effective ways to get your business on search engines like Google.

Take a look at the video and share it with other small business who may benefit by the advice in this talk.

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Can I pay my auto loan payment at a local branch?

Question by ?Kempa?: Can I pay my auto loan payment at a local branch?
I have fifth third bank for my auto loan. Instead of mailing the payment can i make a payment at any local branch?

Best answer:

Answer by Pyar
go to your local branch and ask them .. that?s how i pay my auto loan.

What do you think? Answer below!

This entry was posted on Monday, May 21st, 2012 at 1:23 pm and is filed under loans. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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Ex-Goldman director faces U.S. jury in insider case

NEW YORK (Reuters) - Barely a day went by at the insider-trading trial of multimillionaire hedge-fund founder Raj Rajaratnam a year ago without mention of Rajat Gupta, a boldface name in business and charity circles.

On Monday in the same federal court in New York, it will be Gupta's turn to go on trial. The former Goldman Sachs Group Inc and Procter & Gamble board member is accused of leaking stock secrets to Rajaratnam, his erstwhile friend and business associate who was convicted and is now in prison.

But while prosecutors have called Gupta the "illegal eyes and ears" for Rajaratnam, this is a very different case. At Rajaratnam's trial, jurors spent weeks listening to the Galleon Group founder discussing stock trades on calls secretly recorded by the FBI. With Gupta, prosecutors have no direct conversations on tape related to the trades central to their case.

One of the government's core allegations is that Gupta tipped Rajaratnam to Berkshire Hathaway Inc's

$5 billion investment in Goldman during the 2008 financial crisis and Goldman's surprise fourth-quarter loss that year.

Gupta, 63, has pleaded not guilty. His lawyers have argued that others may have leaked information about Goldman to Galleon and that Gupta, who once led management consultant McKinsey & Co, had no reason to illegally spill corporate secrets.

"This is a classic reasonable doubt case," said Tom Dewey, a partner at law firm Dewey Pegno & Kramarsky in New York, who is not involved in the case. "The core defense message will be: 'There is just not enough evidence.'"

Gupta also is charged with providing non-public information to Rajaratnam in 2008 and 2009 about P&G.

A jury of 12 and four alternates will be chosen on Monday for the trial before U.S. District Judge Jed Rakoff, who expects it to last about three weeks. Opening arguments from Assistant U.S. Attorney Reed Brodsky and defense lawyer, Gary Naftalis, could start later Monday.

Gupta is charged with five counts of securities fraud and one count of conspiracy. If convicted, he faces up to 25 years in prison, though such a long sentence would be unlikely. Rajaratnam was handed an 11-year term in October, the longest for insider trading in the United States, after being overwhelmingly convicted on 14 criminal counts.

DECADES AT MCKINSEY

Gupta, the most prominent person indicted in the government's insider-trading crackdown, has had a remarkable fall from grace. Born in India, he earned an MBA from Harvard Business School and spent 34 years at McKinsey, serving as its global head for nine years. He retired in 2007.

He joined Goldman's board in 2006 and left in May 2010, seven months after Rajaratnam's arrest. Gupta, who was arrested last October, was also formerly a director at P&G and American Airlines Corp.

Naftalis has touted Gupta's charity, particularly his work to combat AIDS, malaria and tuberculosis, to rebut any possible government argument that he was motivated by money.

"He has had a wonderful, blameless life and out of the clear blue sky in the seventh decade of his life he decides to become a criminal?" Naftalis said at a pre-trial hearing.

Naftalis fought unsuccessfully to exclude three wiretaps between Rajaratnam and two traders that could implicate Gupta. But the judge said his ruling was not final.

Naftalis has not said if Gupta will testify in his own defense. Some high-profile witnesses could take the stand including Goldman Chief Executive Lloyd Blankfein, who also testified at the Rajaratnam trial as a government witness and said Gupta breached his fiduciary duty to the investment bank.

The case is USA v. Gupta, U.S. District Court for the Southern District of New York, No. 11-907.

(Reporting by Grant McCool; Editing by Martha Graybow and Maureen Bavdek)

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OLRTXT EMRG SY MEAST NEWS VIO DIP PIL HRGT POL INSURG

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