Alternative Investments – Peer-to-Peer Lending

Alternative Investments can provide lucrative returns that are unavailable by investing in the stock or bond market. In earlier posts, we discussed alternative investments in farmland, rooftop solar system, private equity, collectiblesreal estate, and gold. In this article we discuss investing in another form of alternative investment – Peer-to-Peer Lending, or P2P Lending or Crowd Lending as it is more commonly known. P2P Lending has gained plenty of momentum in the recent years as the hunt for alternative sources of investment and higher returns are pursued by investors, especially in this low interest rate environment.

Alternative Investments – Peer-to-Peer Lending

Peer-to-Peer Lending is the practice of lending money to unrelated individuals, or “peers”, without going through a traditional financial intermediary such as a bank or other traditional financial institution. The lending takes place online on peer-to-peer lending companies’ websites using various different lending platforms and credit checking tools. It is important to realize that these are unsecured personal loans – either to an individual or a small business.

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Canadian National Railway Dividend Stock Analysis 2015

CNR

Canadian National Railway Company (CNR.TO) (CNI) is the second-largest railroad company in North America. The company operates 20,000 miles of network serving three coasts — Atlantic, Pacific, and Gulf coast. CN operates in one of the widest moat industries — railroads. The company has a diversified traffic volume including intermodal, petroleum & chemicals, grain & fertilizers, forest products, metals & minerals, automotive, and coal.

The company is a dividend challenger having raised dividends for 18 consecutive years and has a 5-yr CAGR of 15.2%. The company has the best in class operating margins beating out giants such as UNP, NSC and CSX.

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Sector Overview – Canadian Banks

This article provides a sector overview of the Canadian banks. The Canadian banks are counted amongst the safest and most stable financial institutions of the world and have a proven track record of being conservative and focusing on long term growth and prosperity. It is no wonder that the banks routinely find themselves in portfolios of most long term focused investors and make for a great core position. The banks are also great for income focused investors as they paid a good starting dividend and also raise those dividends regularly. Now that Canada is facing a lot of headwinds in the economy, most bank stocks have been beaten down and provide a great opportunity to initiate/add to the position.

My previous articles in the Sector Overview garnered plenty of interest as you readers found it valuable. So, without further ado, here’s a sector overview for Canadian banks.

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Chatter Around the World – 113

Chatter Around the World is a curated weekly update of articles related to economics, investing, dividends and personal finance. In these weekly updates, I also capture my blog updates and news related to my portfolio holdings.

worldmap-monetarypolicy

The State of Global Monetary Policy

Image Source: Deutsche Bank (via Business Insider)

Let’s dive into the links that caught my attention this week.

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Realty Income Dividend Increase

Realty Income Realty Income (O) announced a 0.26% increase in its cash dividends for common stockholders. This is the company’s 82nd dividend increase since the company went public in 1994 and an amazing fourth increase this year! The monthly dividend increases from $0.19 to $0.1905 per share. The dividend is payable on Oct 15, 2015 to shareholders of record as of Oct 1, 2015.

From the press release statement:

We are pleased that our Board of Directors has once again determined that we are able to increase the amount of the monthly dividend we pay to our shareholders,” said John P. Case, Chief Executive Officer of Realty Income. “With the payment of the October dividend, we will have made 543 consecutive monthly dividend payments and paid over $3.6 billion in dividends throughout our 46-year operating history.

The new dividend amount represents an annualized dividend amount of $2.286, up from $2.28 per share. My portfolio consists of 60 shares of Realty Income and the new increase bumps up my annual dividends from $136.80 to $137.16, an increase of $0.36.