Saturday, October 5, 2019

Digest for misc.consumers.frugal-living@googlegroups.com - 12 updates in 2 topics

John Weiss <jrweiss98155@comcast.net>: Oct 04 06:58PM -0700


> What can affect dividends?
 
> If a company goes out of business, can the shares become worthless and therefore dividends will end?
 
> Can dividends be affected as the price of shares goes down because stock market stops doing well?
 
For long-term investors, reinvesting dividends makes sense unless you
need the cash to pay taxes.
 
If you have a position in a company that is not doing well, you have to
decide whether to hold or sell. If you hold, reinvesting dividends at
the [hopefully temporary] lower prices makes sense.
 
Not all companies pay dividends on their stock. Invest for total return
- capital growth potential plus dividends. Neither is guaranteed...
Whoey Louie <trader4@optonline.net>: Oct 05 04:48PM -0700

> On Tuesday, March 5, 2019 at 11:13:58 PM UTC-10, gggg...@gmail.com wrote:
> > If that is done regularly, isn't the worst case scenario that by the time one wants to sell their shares in the future, that the stock price will have gone down so much that one will end up with a whole lot of cheap shares--possibly worth less than the initial purchase value?
 
> What can affect dividends?
 
The company doing poorly and not having any income or enough income
to pay a dividend would be a prime example.
 
 
 
 
> If a company goes out of business, can the shares become worthless and therefore dividends will end?
 
Of course. But unless it's some sudden fraud or some catastrophic event,
the dividend will be eliminated long before they go out of business and
the shares become worthless.
 
 
 
 
 
> Can dividends be affected as the price of shares goes down because stock market stops doing well?,
 
It's affected by the ability and willingness of the company to share some
of the profits as dividends. A smaller percentage of stock, preferred stock,
can carry a fixed dividend, which the company is obligated to pay. So,
it's kind of like a bond in that regard. But unlike a bond, the company
can stop paying it. In which case those stockholders have to be paid
their accumulated dividends before the company can pay any common stock
dividends in the future.
Whoey Louie <trader4@optonline.net>: Oct 05 04:51PM -0700

On Friday, October 4, 2019 at 9:58:31 PM UTC-4, John Weiss wrote:
 
> If you have a position in a company that is not doing well, you have to
> decide whether to hold or sell. If you hold, reinvesting dividends at
> the [hopefully temporary] lower prices makes sense.
 
Traders and many investors would call that throwing good money after bad.
But each case is different. I can see maybe doing that if it's something with
good reason to believe that it's temporary, due to unusual circumstances.
 
 
 
ggggg9271@gmail.com: Oct 05 06:02PM -0700


> What can affect dividends?
 
> If a company goes out of business, can the shares become worthless and therefore dividends will end?
 
> Can dividends be affected as the price of shares goes down because stock market stops doing well?,
 
Thanks to all for your quick and informative replies.
Bob F <bobnospam@gmail.com>: Oct 05 09:26AM -0700

On 10/4/2019 9:24 AM, ItsJoan NotJoann wrote:
> On Thursday, October 3, 2019 at 10:38:07 PM UTC-5, gggg...@gmail.com wrote:
 
>> https://www.pbs.org/newshour/economy/making-sense/column-what-seniors-should-know-about-trumps-medicare-executive-order
 
> In a nutshell Medicare Advantage plans.
 
If you like having your "provider" tell you which doctors you can go to,
you will love trumps new medicare order.
The Real Bev <bashley101@gmail.com>: Oct 05 11:23AM -0700

On 10/05/2019 09:26 AM, Bob F wrote:
 
>> In a nutshell Medicare Advantage plans.
 
> If you like having your "provider" tell you which doctors you can go to,
> you will love trumps new medicare order.
 
"Advantage" plans are HMOs, which only make money when you don't use
them. I wouldn't use one when I was younger and I won't use one now.
 
Kaiser is supposed to be one of the best. I had occasion to take
someone to the ER at a Kaiser hospital. That experience convinced me
that even the best HMO sucks. Receptionist and triage nurse were the
same person. SRO in the waiting room. 15-minute wait for somebody to
come clean the blood off the floor from a guy with a bleeding leg wound.
He DID go to the head of the line though, even if it took 10 minutes
to get him there. Hell, somebody had already put a bandage on it, it's
not like he was bleeding OUT or anything...
 
--
Cheers, Bev
"I can't stand this proliferation of paperwork. It's useless to
fight the forms. You've got to kill the people producing them."
-- Vladimir Kabaidze
ItsJoan NotJoann <itsjoannotjoann@webtv.net>: Oct 05 02:33PM -0700

On Saturday, October 5, 2019 at 1:23:36 PM UTC-5, The Real Bev wrote:
 
> "Advantage" plans are HMOs, which only make money when you don't use
> them. I wouldn't use one when I was younger and I won't use one now.
 
Absolutely. My brother and sister-in-law tried to get me to select a Blue
Cross/Blue Shield Advantage plan because it's sooooooo cheap. No thanks, I
had an HMO when I worked as that was all that was offered. Need to see a
specialist? Gotta get approval from your HMO and that's only after all
treatment they can offer has been exhausted and there is no improvement.
"catalpa" <catalpa@entertab.org>: Oct 05 06:21PM -0400

"Bob F" <bobnospam@gmail.com> wrote in message
news:qnagab$vsh$1@dont-email.me...
 
>> In a nutshell Medicare Advantage plans.
 
> If you like having your "provider" tell you which doctors you can go to,
> you will love trumps new medicare order.
 
My provider has a choice of hundreds of doctors and I get to select the ones
I want to go to.
"catalpa" <catalpa@entertab.org>: Oct 05 06:27PM -0400

"The Real Bev" <bashley101@gmail.com> wrote in message
news:qnan35$82f$1@dont-email.me...
> head of the line though, even if it took 10 minutes to get him there.
> Hell, somebody had already put a bandage on it, it's not like he was
> bleeding OUT or anything...
 
Advantage plans can be HMOs or PPOs.
 
Around here the plans don't run the hospitals, so the ER treats everyone the
same.
The Real Bev <bashley101@gmail.com>: Oct 05 03:35PM -0700

On 10/05/2019 02:33 PM, ItsJoan NotJoann wrote:
>> them. I wouldn't use one when I was younger and I won't use one now.
 
> Absolutely. My brother and sister-in-law tried to get me to select a Blue
> Cross/Blue Shield Advantage plan because it's sooooooo cheap. No thanks, I
 
I chose the Blue Shield High-Deductible Plan F, which cost roughly $500
less per year if we used the full deductible and more than that if not.
Any doctor, any specialty, any hospital. There's still a ~2-week wait
unless you can make a case for urgency, but at least you don't have to
talk to one of the people from the bottom 10% of his med school class.
 
Not that all board-certified docs are actually competent (I could tell
you stories!), but at the very least you can dump the losers.
 
> had an HMO when I worked as that was all that was offered. Need to see a
> specialist? Gotta get approval from your HMO and that's only after all
> treatment they can offer has been exhausted and there is no improvement.
 
It would be nice if docs could trust our self-diagnosis like they used
to ("Could you renew the prescription you gave me last time I had this
problem? Thanks!") but I guess we can't have everything -- their
workload is a lot heavier than it was 20 years ago.
 
--
Cheers, Bev
Politicians are stupid like cats are stupid.
The Real Bev <bashley101@gmail.com>: Oct 05 03:38PM -0700

On 10/05/2019 03:27 PM, catalpa wrote:
 
> Advantage plans can be HMOs or PPOs.
 
> Around here the plans don't run the hospitals, so the ER treats everyone the
> same.
 
He HAD to go to the Kaiser hospital ER -- that's what his doc insisted
on. If he'd actually been bleeding out (just senile
dementia+dehydration) I suppose it would have been possible to go to the
nearest one, but it wasn't that serious. Still, that much crowding
can't possibly be conducive to good care.
 
--
Cheers, Bev
Politicians are stupid like cats are stupid.
"catalpa" <catalpa@entertab.org>: Oct 05 06:42PM -0400

"ItsJoan NotJoann" <itsjoannotjoann@webtv.net> wrote in message
news:3639edfb-e55c-4773-b2e5-635b8b36f5d2@googlegroups.com...
> had an HMO when I worked as that was all that was offered. Need to see a
> specialist? Gotta get approval from your HMO and that's only after all
> treatment they can offer has been exhausted and there is no improvement.
 
I was in an HMO when employed and never had any problem with getting
referrals to specialists. When I had spinal issues I saw a bunch of
specialists. I was never denied a referral to a specialist even for multiple
second opinions.
 
With Medicare Advantage I've been in a HMO and now a PPO and have had zero
issues with getting referrals to specialists.
 
Blue Cross/Blue Shield anything should be avoided.
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