Dividend Portfolio

Imagine this. You have $500 a month to contribute to stocks each and every month. Assuming you buy stocks that pay dividends in the neighborhood of 3%, this means that every month, you are creating your own annuity stream of $15 per year. Not a bad deal. If you put your money in the bluest of the blue-chip stocks in the Dow Jones Index, the odds are pretty good that the dividends will go up annually, giving you a raise every year like clockwork without you doing anything more. If you could get in the habit of regularly socking away money into blue-chip stocks, then you will be able to wake up one day and find yourself loaded. It's a long process, and it's difficult to delay the gratification of today in the pursuit of a better tomorrow, but it's definitely worth it in the end. You work hard enough as it is, it's time that you get your money to start working for you. If you can establish a disciplined savings plan of allocating hundreds of dollars per month to top-tier dividend stocks, you'll end up more than all right in the end. Evan at My Journey to Millions wrote a great article about setting up a 'perpetual dividend machine,' and I highly recommend that you check out his article, link here: http://www.myjourneytomillions.com/articles/my-dividend-investing-portfolio/ .

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Lending Club Investing

Peter Anderson of Bible Money Matters recently published a post about his success with Lending Club Investing, which is an online form of peer-to-peer lending. It's a good read. Personally, I would not join up for Lending Club Investing. The best case scenario with peer-to-peer lending is that you will earn 10-12% returns on your investments. Of course, the worst case scenario is that you never see any of your money again. If I want to get a 10-12% return on my money, I'm going to invest in Coca-Cola, Pepsi, Berkshire Hathaway, Exxon-Mobil, Johnson & Johnson, Clorox, etc. If I'm going to aim for low double digit returns, I'm going to be more comfortable betting my money on the fact that these mega-cap companies are less likely to default or go bankrupt than someone I might find in peer-to-peer lending websites. It's not only the returns you receive from your investments, but the Risk-Adjusted Returns that you receive from your investments, and I would feel much safer trusting my hard-earned dollars to the companies that I listed above. But be sure to check out Mr. Anderson's article, he offers a perspective that is worth observing: http://www.biblemoneymatters.com/lending-club-investing-returns-above-10-5-as-high-risk-loans-stay-current/ .