FISH | Financial Independence Seeking Happiness: stock screen

Generational Imbalance

Contender 1 Critical Thinking, Debt, downshifting, Finance, financial freedom, financial independence, health, Investing, market analysis, Oil, Risk, stock screen 10:21

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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSSNKQivWXJ9XBSJftBikJ-2GoefB5r_MvVDDmcVEugrhMGSMhyphenhyphenlNSOvp7on_CCxr3iuKckb_BVxQcLBSykjgo6JCZI6wMwra9QPx06TeUtHb4-W8SeKR8Ro2p_m6Ycw96LrXQnEZD345a/s1600/P1030554.JPG" imageanchor="1" style=""><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSSNKQivWXJ9XBSJftBikJ-2GoefB5r_MvVDDmcVEugrhMGSMhyphenhyphenlNSOvp7on_CCxr3iuKckb_BVxQcLBSykjgo6JCZI6wMwra9QPx06TeUtHb4-W8SeKR8Ro2p_m6Ycw96LrXQnEZD345a/s1600/P1030554.JPG" width="240" /></a></div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtIc6oSNcKRyE9han0R3j6birEGopTQqwO82B1OiWeeybw__clSkyOexBzAebOTxNuU6FbjvPzV6PvUQ5ZAJU76jeB14oMO43djG0U7Aj6pSe1AOqaZloNgEqWeMTSG5GYFIIZn2UoAUPN/s1600/DSC_0016.JPG" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a>THE.FuTuRe: "You are getting old Contender, you need someone to look after you like the government......." 
 
CoNTeNDeR: "Promises, promises, promises - all great on paper but they need to be backed up with real deeds and wealth" 
 
In the fields around us the farmers are already bringing in part of the harvest. Most of the farmers we have seen are in their golden years. 
 
Heirs are no longer interested in the family business. They are attracted to the bright lights of the cities. Is the void going to be filled by bigger machines and robots guide their way. Society is ageing... 
<ul>
</ul>
<ul>

<li>Does the natural generational cycle (ageing to renewal) pose problems to future investments </li>
</ul>
<ul>
<li>Where is capital currently being misallocated </li>
</ul>
<ul>

<li>What are the likely investment pitfalls in the years ahead </li>
</ul>
<ul>

<li>Do we need to change the way we allocate capital </li>
</ul>
<ul>

<li>What financial independence opportunities can arise from the boomer retirement and the natural redistribution of wealth to Generation X and Y and Millenials?  </li>
<ul>
<li>Latest Cyclically and Inflation Adjusted Market Analysis Graphs</li>
<li>Latest Dividend Value and Growth Dividend Stock Screen Results </li>
</ul>
</ul>
<ul>
</ul>
<h2>
A Generational Pyramid Gone Awry</h2>
The developed world has gone through dramatic economic and population growth. Vast numbers of jobs have been created to keep the cohort in pocket and spending. 
 
We thank them for Cheese in Cans, Pink Slime, Asbestos, Nuclear Accidents, Cities in the Desert, Mega bugs such as MRSA, Snout Houses, Dolly the Sheep, SAW films, The Benefit and Entitlement Society..... a benefit to society, get real. 
  
This population growth has had huge implications on the age distribution of society. We now have a more mature society due to improvements in life expectancy and lower birth rates. 
 
<a href="http://www.macrobusiness.com.au/wp-content/uploads/2011/12/ScreenHunter_02-Dec.-15-23.47.gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="189" src="http://www.macrobusiness.com.au/wp-content/uploads/2011/12/ScreenHunter_02-Dec.-15-23.47.gif" width="280" /></a>A smaller group of young people versus retirees  will be paying the benefits older society has bestowed on itself. 
 
<a href="http://www.rand.org/content/dam/rand/www/external/pubs/issue_papers/IP176/IP176.fig3.gif" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="246" src="http://www.rand.org/content/dam/rand/www/external/pubs/issue_papers/IP176/IP176.fig3.gif" width="280" /></a>The pyramid (see diagram below) now resembles an imbalanced Thai temple, precariously weak in places but never the less still standing...just....one more gold statue on the top and it is game over. 
 
"Boomers" born after the first world war are now retiring en-mass. They primarily hold the wealth of western nations as well as the important positions in society. They still have the majority of the vote - and they actually use it to their benefit(s)! 
 
Vast wealth and benefits have skewered in their favour from high property prices, ownership of shares / businesses, and cheap access to health care. 
 
It was possible to accrue this wealth as they also benefited from low taxes, free / cheap education, a booming economy (that 'paid for' infrastructure that helped to turbocharge the economy) had access to cheap resources such as oil and land. 
 
20 - 40 year olds are increasingly reliant on the bank of mom and pop to get started in life delaying their true freedom and independence. Their jobs are increasingly demanding, having been <strike>educated</strike> trained to keep the machines running, don't think, just do it in a very productive manner. While you are at it you will have to pay higher taxes for <strike>our</strike> your benefit(s). 
 
Fortunately there is light at the end of the tunnel with the changing of the guard. 
 
As the boomers have to draw down their assets and loose their high profile positions in society their influence will naturally wane. This transition will have significant implications on taxes and investments. 
<h2>
Boomer Misallocation of Capital</h2>
We have been blessed with the boomer improvement in technologies that have driven higher life expectancies, mass long distance transport and the marvel of the internet to name a few. At the same time huge waste (resources) and lost opportunities (free energy) slipped through our grasp in the last few decades. 
<blockquote class="tr_bq">
"the definition of insanity is doing the same thing over and over again, and expecting a different result." (Albert Einstein)</blockquote>
A forefront critic of the boomers way of life has been James Howard Kunstler. He correctly in my opinion highlights all of the literally stupid decisions that have been made by the boomer generation. Here are a few decisions that really make you go hummmm.... 
<ol>
<li>Too big houses - to many resources used to make them, too many resources to maintain them and too many resources to run them. Just consider all of the paint and termite protection, heating of empty spaces.<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://activerain.trulia.com/image_store/uploads/6/3/1/5/7/ar127547375975136.jpg" imageanchor="1" style=""><img border="0" height="203" src="http://activerain.trulia.com/image_store/uploads/6/3/1/5/7/ar127547375975136.jpg" width="280" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">We used to live in much smaller houses in the US <a href="http://activerain.trulia.com/blogsview/1674255/top-5-new-home-trends" target="_blank">Source Activerain</a></td></tr>
</tbody></table>
</li>
<li>Too big heavy, inefficient cars to get to the too big house too far away from work. Literally burning capital (fuel) - what a waste? <table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><div class="separator" style="clear: both; text-align: center;">
<a href="http://images.huffingtonpost.com/2010-05-20-oil%20production-Oildiscoveryvsproduction19302030.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" height="189" src="http://images.huffingtonpost.com/2010-05-20-oil%20production-Oildiscoveryvsproduction19302030.jpg" width="280" /></a></div>
</td></tr>
<tr><td class="tr-caption" style="text-align: center;">Peak Oil Production? Something wrong with this picture? <a href="http://www.huffingtonpost.com/matthew-stein/the-perfect-storm-six-tre_b_582779.html" target="_blank">Source Matthew Stein</a> </td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjixcfMgPKV6-SV0R0tucQWnXKYC0DqyLylRJbZz8NLb5p2ZW7b55Yz9V6rpABTuIQhTbNbdvCiNYvHOmU0p51cgG0g63lCKUvpak9SvfNSkm1ddkuL9NVLY_l2srcjT-xN_ak6r8xokon5/s1600/AEO_fig_44.png" style="margin-left: auto; margin-right: auto;"><img border="0" height="221" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjixcfMgPKV6-SV0R0tucQWnXKYC0DqyLylRJbZz8NLb5p2ZW7b55Yz9V6rpABTuIQhTbNbdvCiNYvHOmU0p51cgG0g63lCKUvpak9SvfNSkm1ddkuL9NVLY_l2srcjT-xN_ak6r8xokon5/s280/AEO_fig_44.png" width="280" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Gas Production is increasing - Time to Switch to a Natural Gas Car?</td></tr>
</tbody></table>
</li>
<li>Introduction of the consumer model - buy buy buy, throw away or get a bigger house to fill up!<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://www.algalita.org/blog/wp-content/uploads/2012/10/Annual-World-Plastics-Production-in-tons.jpg" imageanchor="1" style=""><img border="0" height="220" src="http://www.algalita.org/blog/wp-content/uploads/2012/10/Annual-World-Plastics-Production-in-tons.jpg" width="280" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Plastic Fantastic until it breaks, degrades or is obsolete</td></tr>
</tbody></table>
</li>
<li>Creation of powerful self interest groups that are able to buy & erode democracy - keeping the status quo has been profitable for politicians and companies alike. </li>
<li> Accumulation of huge amounts of debt and benefits<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://www.ericgarland.co/wp-content/uploads/pix/2012/01/Total-Global-Debt.jpg" imageanchor="1" style=""><img border="0" height="168" src="http://www.ericgarland.co/wp-content/uploads/pix/2012/01/Total-Global-Debt.jpg" width="280" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Rising faster than GDP - <a href="http://www.ericgarland.co/2012/01/16/a-quick-observation-on-total-global-debt/" target="_blank">Source Eric Garland</a> </td></tr>
</tbody></table>
</li>
<li>Health / sick care pillaging from the public purse and health. Yes we treat illnesses instead of preventing them. Advertising of known foods and products that damage our health are allowed Freedom of choice right? Where is the profit in selling good healthy food that you do not need to eat in huge quantities and contain addictive unhealthy ingredients.<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://healthcaretrends.files.wordpress.com/2010/12/oecd-spend-trends-gdp1.png" imageanchor="1" style=""><img border="0" height="221" src="http://healthcaretrends.files.wordpress.com/2010/12/oecd-spend-trends-gdp1.png" width="280" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Health Care or Sick Care? <a href="http://healthreformtrends.com/2009/08/22/comparison-of-healthcare-spend-us-vs-world/" target="_blank">Source healthreformtrends</a> </td></tr>
</tbody></table>
</li>
</ol>
<h2>
So What Happens Next?</h2>
What will our ageing societies do with their accrued 'wealth'. Is it going to be sold, spent and squandered. Vegas here we come, exhausting trips to far away lands, Face lifts, Sports cars, Golf, Fishing, Bridge club pointless really. 
 
Perhaps wealth and knowledge (retirement is a terrible thing really - all that know how and wisdom consigned to the past) is going to be passed down, invested or given? 
<h2>
</h2>
Unfortunately I believe the former will happen. Party time for the old timers! You can't begrudge them some of their time in the sun we can just hope it leaves something left over of value for the future. 
 
Do consumption stocks do OK? They will be indiscriminately sold to 'pay' for the boomers retirement along with every other stock but their goods will still be required. 
 
Does the selling have a detrimental effect to the entire market and drive down the retirement income resulting in a death spiral with ultra low interest rates, ultra low bond rates, ultra low dividend returns and lower retirement payouts? 
<h2>
Boomers Change their Consumption Habits</h2>
<h3 style="text-align: center;">
Increases in consumption</h3>
<ol>
<li>More health care</li>
<li>More eating out</li>
<li>Continue to work longer to maintain current lifestyle</li>
<li>More luxury goods</li>
<li>Holidays</li>
<li>Retirement entertainment activities (golf, spar, tennis etc.) </li>
</ol>
<h3 style="text-align: center;">
 Decreases in consumption</h3>
<ol>
<li>No commute to work</li>
<li>Move to a smaller house</li>
<li>Selling investments to pay for retirement</li>
</ol>
<ol></ol>
<h2>
Younger Generations Deal with the Fall Out</h2>
So how will the boomer benefits be paid for in the mean time, unfortunately through higher taxes. Younger generations will be spending / saving / investing less not a good equation in anyone's book? 
 
Entertainment - less eating out / cinema 
Clothing - wearing out clothes before buying new / less designer brands 
Smaller, more fuel efficient cars 
Holidays closer to home 
Less investments / money to save in stocks / bonds etc. 
 
Does this cause a feedback loop into the ultimate middle class source of wealth - housing: 
<ul>
<li>Boomers want to downshift</li>
<li>Gen X / Y cannot afford to buy a house / apartment and have to rent</li>
<li>Larger sized properties drop in value - boomer that are late to the downsize party are loosing out</li>
<li>Boomers en mass stampede to sell their larger properties making the housing crash worse.</li>
<li>All housing starts to drop in value and finally finds an equilibrium at a fair price for society</li>
<li>Unfortunately this re rating of housing has the possibility to leave devastation in its wake destroying huge swathes of paper wealth.</li>
<li>What inheritance will be left? At least the housing is cheaper!</li>

</ul>
Perhaps this is why the financial system is being propped up with easy QE money to maintain the myth of asset wealth and the massive misallocation of capital that has taken place. 
<ul>
</ul>
<h2>
The Likely Winners in the Inevitable Reallocation of Capital?</h2>
We are going to redistribute capital whether we like it or not. The forceful destruction of debt and serfdom will cause a repricing of assets to their real world price / value. 
 
By this I mean the price of everyday needs (food, shelter and energy) over wants and desires (designer goods, gizmo's, luxury holidays). 
 
Knowing what we do where will the "<a href="http://getintheringwithme.blogspot.com/2013/10/stuck-generation.html" target="_blank">Hero Generation</a>" look to re-deploy this wasted capital creating a new boom in the global economy? A good starting point is to revert back to Maslow's pyramid of needs to get the basics right before wasting capital on silly items and activities. 
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiPzhnQZKdXjs55FOa1tXDqnVAn0uoerYHiP_nkK6TnLLrAQrhb0UPQk4pJ9Vp7Jza3QkXwPo9_-bBvV7P6tbCT0MmzcdHHS3oNCGPMbpDqC6HfcR5ohiHv9hb3Yymxg8NGndjx_dOmIYd/s1600/Maslow.jpg" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhiPzhnQZKdXjs55FOa1tXDqnVAn0uoerYHiP_nkK6TnLLrAQrhb0UPQk4pJ9Vp7Jza3QkXwPo9_-bBvV7P6tbCT0MmzcdHHS3oNCGPMbpDqC6HfcR5ohiHv9hb3Yymxg8NGndjx_dOmIYd/s280/Maslow.jpg" width="280" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Maslows Pyramid of Needs</td></tr>
</tbody></table>
<ol>
<li>Energy efficiency -  there are very simple energy efficiency steps that can be taken. Smaller house, well insulated, smaller car, collect rain water, turn off unused electrical goods etc.</li>
<li>All new building needs new planning guidelines based on a community self sustaining design</li>
<li>All products should be built to last - laws can drive this change.</li>
<li>Working from home should be actively encouraged and rewarded</li>
<li>Consumption must be reduced - anything that could go digital should (books, magazines, newspapers, bills, certificates and the like.) </li>
<li>More food needs to be grown locally and exotic food should be taxed very highly to reflect the energy it consumes in transport.</li>
<li>Education needs to change focus to help develop the industrious, autonomous, gregarious, go getting individuals needed in for the rapid re-design of the broken system.</li>
</ol>
All this buys us time to correctly allocate capital into robust 
(Anti Fragile) living arrangements. This would have the following 
benefits 
<ol>
<li>Healthy living- reducing our need for health care</li>
<li>Cheap energy security - compressed air / electric cars run of solar arrays</li>
<li>Reduction in pollution - less packaging = less plastics =
 less toxins = less persistent waste that takes years to degrade = less 
landfill waste.</li>
<li>More biodiversity - just read about the die off of the bees - a very
 bad problem for our food security highly likely related to mono culture
 crops and pesticides.</li>
</ol>
<h2>
Choosing Prosperous Financial Independence Investments</h2>
Perhaps the ever grinding higher stock market indexes will hit a plateau or gradually decline for a prolonged period of time while a readjustment is made. By a re-adjustment I mean a re-allocation of generational wealth from the boomers to us youngsters. 
 
Once this adjustment has taken place a new freer and prosperous time is likely to appear with the rules of the game rewritten in a fairer economic system. 
 
In this is the case a stagnant / declining index is not viable for the 4% draw down rule, which has been fuelled by consistent growth in the world economy, may hit a wall for a period of years through the great reallocation of capital and generational wealth. 
 
Here are some inflation adjusted and <a href="http://getintheringwithme.blogspot.com/p/market-analysis.html" target="_blank">cyclically smoothed market and commodity data graphs</a> 
<iframe frameborder="no" height="500" scrolling="yes" src="https://docs.google.com/spreadsheets/d/1jVkZHm4bo-_dCoKwvayag7Sb-z8ZGpG3AV1uQoN-Tj0/pubhtml?widget=true&headers=false" width="750"></iframe>

In this period of time perhaps stock picking wins over index tracking. Perhaps due to the destruction of wealth of industries that rely on huge profit margins from brand loyalty, cheap resource inputs and frivolous spending - avoiding these sectors could be the difference between true financial independence or back to work.   
 
Going defensive by choosing dividend value growth stocks with lower yields in industries with goods and services people NEED may be the better approach to take. Have a look at this blogs <a href="http://getintheringwithme.blogspot.com/p/stock-screen.html" target="_blank">stock screen</a>*: 
 
<iframe frameborder="no" height="300" scrolling="yes" src="https://docs.google.com/spreadsheets/d/1rk_3w8cmIsy_vkeiH1W6AHpFpzXXMRnWwsq7HJPb1jE/pubhtml?widget=true&headers=false" width="750"> </iframe>

These companies could be bought at a current high price to the future as boomers indiscriminately sell off their stocks. The peace of mind is that you can live off the dividends alone that should be safe as the companies profits are derived from people's NEEDS. 
 
Cash equivalents can be kept on hand to wait for the inevitable stock pullback / crash to take advantage of opportunities. 
 
Trailing sell stops can be applied to your current portfolio (on non core holdings) to help preserve capital in the case of a crash. 
 
Peace, prosperity and happiness 
 
CoNTeNDeR 
 
* The stock screen and market analysis information is provided for entertainment purposes only. I have never worked in the financial industry and am self taught. Always do your own research and seek professional advice as required and refer to the big fat disclaimer that comes with this site. 
 
Welcome New Readers! Please take a look around.<a href="http://getintheringwithme.blogspot.com/p/about-me.html" target="_blank">Click here</a> to find out more about THE.TriBe and the blog is or perhaps browse the <a href="http://getintheringwithme.blogspot.com/p/all-posts-get-in-ring.html" target="_blank">all posts list</a>, Please feel free to play with the <a href="http://getintheringwithme.blogspot.com/p/muff-tools-and-check-lists.html" target="_blank">planning tools and checklists</a>. If you liked this post can you please spare a few seconds to share it?

Generational Imbalance

THE.FuTuRe: "You are getting old Contender, you need someone to look after you like the government......." CoNTeNDeR : "...

Financial Independence through Dividend Value Stock Investing

Contender 4 #financialindependence, Compound Interest, Dividends, downshifting, DRIP, Finance, financial independence, Inflation, Investing, Schiller PE10, stock screen 07:35

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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTnY_L9XJqOYWvr_2yG6VBvMgo2BEmAhKIb2nM0iW5PKHViX2A-o4avtYnVnC7QxUYPEhbrBbDbyRZc9GA17Up6EI8sewVlSrsFXh4lC2IpG0K3M7cR1ZA67PEy2EKZx2VLcfvMvMGZL4R/s1600/InvestmentChoice.png" imageanchor="1" style=""><img border="0" height="189" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTnY_L9XJqOYWvr_2yG6VBvMgo2BEmAhKIb2nM0iW5PKHViX2A-o4avtYnVnC7QxUYPEhbrBbDbyRZc9GA17Up6EI8sewVlSrsFXh4lC2IpG0K3M7cR1ZA67PEy2EKZx2VLcfvMvMGZL4R/s280/InvestmentChoice.png" width="280"></a></div>
#FinancialIndependence requires setting up multiple income streams to replace your income from your labour. 
 
#Downshifting may mean that you still work but rely on a smaller income from some work and possibly some investments. 
 
Today the focus is on dividend value stock investing to provide a passive income. 
 
Buying shares in a company has several advantages 
 
1. You have access to many companies in many different businesses 
2. Companies can grow their earnings and dividends rapidly 
3. Companies can be out of favour and cheap to buy 
4. Companies are strictly regulated and lots of information is available about them 
5. Companies can have a competitive advantage \ high barriers to entry 
<div style="text-align: center;">
<blockquote class="tr_bq">
"One of the biggest mistakes investors make 
is to focus on stock picking for 
capital gains. 
 
The reality is that if you're not looking at 
 
dividends when you buy a company... you're 
likely not going to make much 
AT ALL. 
 
Did you know that without dividends, stocks 
have actually 
UNDERPERFORMED bonds 
for the last 113 years? 
 
This is not hype, a 
study by the London Business 
School found that without dividends, stocks 
return 
a measly 1.9% per year... LESS than Treasuries!" Gains, Pains and Capital</blockquote>
</div>
To help identify companies that are of interest to invest in  I have been spending some time massively improving the stock screening tool  to find some cheap #dividend stocks out there. Here is a look at the new screen (The UK all share list as of the 6th April is available towards the end of the post): 
 
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdKG1J-p6L6SRJAhMxH3yBS6dQ3HQd0HFDsBsbGKKdlG11TbNHV0-NzXhOELzI9oWs4T2CX4jPGva84VYnLW65sjurZHqtF68rg-X5Ig_AUuVFilaJc00iwAerwZV9CrpnUfvC8cLgqnAN/s1600/10YrScreen.JPG" style="margin-left: auto; margin-right: auto;"><img border="0" height="86" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjdKG1J-p6L6SRJAhMxH3yBS6dQ3HQd0HFDsBsbGKKdlG11TbNHV0-NzXhOELzI9oWs4T2CX4jPGva84VYnLW65sjurZHqtF68rg-X5Ig_AUuVFilaJc00iwAerwZV9CrpnUfvC8cLgqnAN/s280/10YrScreen.JPG" width="280"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Sample from a stock screener created with 10 years worth of data</td></tr>
</tbody></table>
It has been made very visual with its colour coded formatting. 10 years worth of financial data is used for graphs and calculations. More of the major indices have been added. It has been made easier to use. Easy to personalise with your own portfolio of stocks. Backed by a large powerful data set and statistical data analysis. 
<ul>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHX_XuYh9NK5qtOnhOJ7BocXylAjDT-zl3CYmSLkMtSSNH35I31GoG26urt84z1VI677QX1YiyWTDYFK3Nd3QAbpPUwSltlg-npDAfSsgLPQA947E04TNMw3vrP4PtneB0NKsQFcbPQrt4/s1600/PG.JPG" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="122" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHX_XuYh9NK5qtOnhOJ7BocXylAjDT-zl3CYmSLkMtSSNH35I31GoG26urt84z1VI677QX1YiyWTDYFK3Nd3QAbpPUwSltlg-npDAfSsgLPQA947E04TNMw3vrP4PtneB0NKsQFcbPQrt4/s280/PG.JPG" width="280"></a>
<li>Contains major market data (US, UK, EU) </li>
<li>Current data can be evaluated on the fly for the Value Screener and Dividend Value Screener by clicking the magic button</li>
<li>Stocks can be interrogated individually with 10 years worth of data in the graphical evaluation tool</li>
<li>10 years of financial performance is used to create the 10yr Value Dividend Screener to check the quality of the stock - has it made a regular growing profit and paid a regular increasing dividend?</li>
<li>"My Portfolio" can be setup to show the screener results for your stocks <table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYIgQZ-EaJrZ7NJH1g0-aW4PDlIhsaiHrjFdZUnmXgD-CTQV0oWnDAVFvDoMqg7y-xDvuGxFB4GKB7SukMemE26DSlNCq0nYYwP0zvMbHeHO9PZu6FU_-O1vwDtpOX2AtvXQuNcZ4t0z6q/s1600/Portfolio.JPG" style="margin-left: auto; margin-right: auto;"><img border="0" height="101" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYIgQZ-EaJrZ7NJH1g0-aW4PDlIhsaiHrjFdZUnmXgD-CTQV0oWnDAVFvDoMqg7y-xDvuGxFB4GKB7SukMemE26DSlNCq0nYYwP0zvMbHeHO9PZu6FU_-O1vwDtpOX2AtvXQuNcZ4t0z6q/s280/Portfolio.JPG" width="280"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"> </td></tr>
</tbody></table>
</li>
</ul>
<div style="text-align: center;">
<blockquote class="tr_bq">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_Fe2TuX0Ec6bIb0Eytdx_T-yyKayX4tXgJq9x-XpES2vbkyBSiDs0zJMMrfqicwucnaN-JUD9bIGIkR5EaYaoqqa9j7DXyoEHtTozpMfC3rWVAu_AObPV2n7EN3gkzXl6vz1hUoC2LfIV/s1600/ValueStocks.JPG" imageanchor="1" style=""></a>Markets no longer perform true market functions. In markets today, the dead hands of the academic and the rentier have replaced the invisible hand of the merchant or the entrepreneur. James Rickards  </blockquote>
</div>
Why Look at History 
 
The Value Stock Screener and Dividend Value Stock Screener allow the user to click a magic button to download the latest data from the web. The tool then allows individual stock evaluation. The screen looks for undervalued stocks based on the methodology of "The Little Book That Beats the Market". 
 
1. Stocks with a very high Return on Capital - are they a well run business? 
2. Stocks with  high earnings yield (i.e low PE) are they currently cheap 
 
Why a spreadsheet - there are loads of options on the web? So why use this tool instead of one of the numerous screeners out there? Well in my opinion spreadsheets are more personal with the data, you can add your own comments and keep them for reference. Websites have flexibility in the type of graphs and how the data is shown on the screen.  
 
This is great at looking at THE.PReSeNT but this is not the full picture. The stock may be cheap for a very good reason and can get cheaper. 
 
In order to avoid this trap further research is required. 
 
One part of the research is looking at THE.PaST and secondly can we be confident about THE.FuTuRe performance? How good is the stock really? Is the company solid, has solid earnings growth and good dividend cover? This needed to be added. 
 
Introducing 10 Year Dividend Value Screening 
 
Dividend champion investing is not new and numerous lists of stocks that have consistent dividend growth can be found across the web. What is more difficult to attain is weather you are paying too much for a champion share? 
 
<div style="text-align: center;">
We need to gain in capital and dividends overtime. That way buying lowly valued stocks that become expensive can be sold and re-invested to gain MORE income. </div>
 
 
The new screener has the ability to analyse 10 years worth of financial data for selected Markets (NASDAQ, NYSE, DJIA FTSE 100, FTSE 250, DAX, EURSTOX50). 
 
 Its purpose is to ask the following questions: 
<ol>
<li>Is the current PE ratio expensive for the share in comparison to its historical PE10 (10 year average PE      PE10 = 10 year average share price / 10 years average EPS </li>
<li>Is the company growing its EPS (Earnings per share) consistently?      What is the average EPS growth rate over 10 years?      How many years has the company made a profit?</li>
<li>Is the company growing its dividend?     What is the average dividend growth rate over 10 years?     How many years has a dividend been paid?</li>
<li>How much debt does the company currently have?</li>
<li>What overall score is the company on Quality, Income and Value? </li>
</ol>
All of this information is used to create a score and rank versus other companies. 
<ol></ol>
10yr Data Screen Benefits 
 
The screen can be looked at stand alone via Google spreadsheets however the excel spreadsheet has some distinct advantages 
<ol>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_9YEXBHqCTE9KtBxO-njGNrubmKJMA3F27OeD2ZoCm3jwf1j93FMnKamE5DFmPzs-6bWwEfZ_8m52kBJNY3vJvGfldpheVj39_1a8uwvv52XGuC_UZdcWGiIAl8C-FosQM6ZKHhjt7WzG/s1600/PG.JPG" imageanchor="1" style=""></a>
<li>Enter your portfolio and watch stocks to see what the screen results are. Here is a screen shot with some well known companies:<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYIgQZ-EaJrZ7NJH1g0-aW4PDlIhsaiHrjFdZUnmXgD-CTQV0oWnDAVFvDoMqg7y-xDvuGxFB4GKB7SukMemE26DSlNCq0nYYwP0zvMbHeHO9PZu6FU_-O1vwDtpOX2AtvXQuNcZ4t0z6q/s1600/Portfolio.JPG" imageanchor="1" style=""><img border="0" height="102" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYIgQZ-EaJrZ7NJH1g0-aW4PDlIhsaiHrjFdZUnmXgD-CTQV0oWnDAVFvDoMqg7y-xDvuGxFB4GKB7SukMemE26DSlNCq0nYYwP0zvMbHeHO9PZu6FU_-O1vwDtpOX2AtvXQuNcZ4t0z6q/s280/Portfolio.JPG" width="280"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">A manually entered portfolio showing 10YR data quality results and current value result</td></tr>
</tbody></table>
</li>
<li>Query the data by bringing up a graphical interface. Here is a screenshot of Proctor and Gamble: <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_9YEXBHqCTE9KtBxO-njGNrubmKJMA3F27OeD2ZoCm3jwf1j93FMnKamE5DFmPzs-6bWwEfZ_8m52kBJNY3vJvGfldpheVj39_1a8uwvv52XGuC_UZdcWGiIAl8C-FosQM6ZKHhjt7WzG/s1600/PG.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="122" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_9YEXBHqCTE9KtBxO-njGNrubmKJMA3F27OeD2ZoCm3jwf1j93FMnKamE5DFmPzs-6bWwEfZ_8m52kBJNY3vJvGfldpheVj39_1a8uwvv52XGuC_UZdcWGiIAl8C-FosQM6ZKHhjt7WzG/s280/PG.JPG" width="280"></a></li>
<li>Record reasons for investing in the stock in the spreadsheet for future use <div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0Lq_hdZnY86jba5V6cMynqSfgWClSeoxuHyKTYBCy9WsKevQjjIft9HBXp2Dkdd7GwuEvZ-jBFRfpv9iQYJeudR6wFuQWwbkJkWjy7DN5q_GO00zvyM4bdFKi1HgPaJDy9tXvrugXDb_7/s1600/Comment.JPG" imageanchor="1" style=""><img border="0" height="18" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0Lq_hdZnY86jba5V6cMynqSfgWClSeoxuHyKTYBCy9WsKevQjjIft9HBXp2Dkdd7GwuEvZ-jBFRfpv9iQYJeudR6wFuQWwbkJkWjy7DN5q_GO00zvyM4bdFKi1HgPaJDy9tXvrugXDb_7/s280/Comment.JPG" width="280"></a></div>
</li>
</ol>
<ul>
</ul>
Please read on for the 10 Yr Data Screen for the United Kingdoms FTSE All Share index (Yahoo! ^FTAS):

Financial Independence through Dividend Value Stock Investing

#FinancialIndependence requires setting up multiple income streams to replace your income from your labour. #Downshifting may mean that...

The Digital Hypocrite

Contender 0 #financialindependence, Blog, Critical Thinking, Finance, financial independence, Happiness, stock screen 19:17

<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6kK20fen8DpCO8JGmXIUPt2lsM0x8700-wzodkJiXKgeE6GHGFFw-smHSBVOjGXF-1ACfGB0_Ubi0YPb2Ic8VzC3zOgbPAvseXASFwARAP1hwhzgvGhTfGQYYUEnwLkdyI-fXJ6-0SN5-/s1600/Technology.jpg" imageanchor="1" style=""><img alt="Financial Independence Through Technology" border="0" height="196" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6kK20fen8DpCO8JGmXIUPt2lsM0x8700-wzodkJiXKgeE6GHGFFw-smHSBVOjGXF-1ACfGB0_Ubi0YPb2Ic8VzC3zOgbPAvseXASFwARAP1hwhzgvGhTfGQYYUEnwLkdyI-fXJ6-0SN5-/s280/Technology.jpg" title="Useful Technology" width="280"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Useful Technology?</td></tr>
</tbody></table>
I started out in life fascinated by new tech. I adored the BBC computer in school, learning a little bit of programming and playing the odd game such
 as Boffin, Manic Miner and Castle Quest. I was in awe with my Commodore
 64. Technology was new, changing fast, cutting edge and innocent. 
 
Roll
 on 2014 and the technological innocence has almost been lost. Devices 
used to be were stand alone and you really had to learn how to use them,
 write some code. Now everything is connected 24/7 you can access pretty
 much anything on the web including stuff that one should not have 
access to. 
 
We have social media - plaster loads
 of personal information about you across the WORLD. Better still give 
all of the important information about you FREE to advertisers to target
 your desires and weaknesses! 
 
Without the internet is was not as easy to read a freedom of 
speech article. Alternative views such as this blog would only be 
available in a magazine such as <a href="http://idler.co.uk/magazine/" target="_blank">The Idler</a>.
 First you would have had to find it and understand its content, ideally
 reading a copy to see if it was what you would like. Then subscribe to 
the magazine and wait each quarter or year for the latest edition.  
 
Desolation of the young 
 
Technology
 is changing the young in ways we still do not understand. Providing 
access to violent video games and sex at earlier and earlier ages 
through their tablets and smart phones is including their adolescence 
and destroying their innocence. Shooting a human being becomes more and 
more real on the screen leading some to act it out in real life. 
Internet porn is heaping extra pressure on them to perform (and perform 
what) when that special moment occurs. 
 
Does this really encourage respect for each other and the formation of strong families? 
 
Further
 attacks are taking place on their attention spans. Sit down and read a 
book - no let's watch the movie instead. Interface devices encourage 
'browsing' and consumption of goods and services. Snippets of 
entertainment news have replaces the investigative journalist and the 
need to think about the content and challenges in the world. Back to the
 bedroom from the fields - it is save there with def recon armored 
pursuit 10. 
 
 
In our eldest child's pre-school in London tablets 
computers were made available to the kids. Instead of learning to play 
together, develop 3D dexterity and interpersonal skills they are tap tap
 tapping at a flat screen that is 'educating' them to work quickly and 
jump from sugar rush app to app. It is easy to learn how to use a tablet
 and play computer games so why so young?

The Digital Hypocrite

Useful Technology? I started out in life fascinated by new tech. I adored the BBC computer in school, learning a little bit of programmi...

Learning from THE.PaST

Contender 0 Black Swan, Critical Thinking, Dividends, downshifting, Early Retirement, frugality, Gold, health, Oil, Silver, stock screen, Wheat 19:37

<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZsMOmYGDqb5s3zfNm9SdXkJ8axcEshFs4nv-qJjKlSNuqFpSugGmGmMOfsjnYNraQEwN7Xgn0kEVrUVmv4YI4mKFbFgp7zL1Pjh0xVolOwJtEynPU2mrbuLVSqgnfBgxrdAhx_oM7ODoa/s1600/DSC_0037.JPG" imageanchor="1" style=""><img border="0" height="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZsMOmYGDqb5s3zfNm9SdXkJ8axcEshFs4nv-qJjKlSNuqFpSugGmGmMOfsjnYNraQEwN7Xgn0kEVrUVmv4YI4mKFbFgp7zL1Pjh0xVolOwJtEynPU2mrbuLVSqgnfBgxrdAhx_oM7ODoa/s280/DSC_0037.JPG" width="280"></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">A cold start to the year?</td></tr>
</tbody></table>
THE.FuTuRe: "CHUMP you still there? Learn from me and THE.NoW forget THE.PaST he is a has been, now look forward he can't teach you anything. THE.FuTuRe is mine all mine and it WILL be different than THE.PaST" 
 
CoNTeNDeR: "You are preaching to the converted, mate, but you forget one thing THE.FuTuRE may be different but it rhymes with THE.PaST and.....we are not having you mess up our enjoyment in THE.NoW" 
*CHUMP - Fool, loser, muppet, victim of THE.FuTuRe, loner, weirdo, odd, strange, picked on OR WINNER - Happy, healthy and challenged. 
 
TRiBe 2013 - Happiness and Investing...! 
 
We understand that money isn't everything but it alows us to do things that we want that give us..... happiness. It is damn nice but what is it how do we know? 
To help appreciate it (happiness) don't you need to experience its opposite as well? Can being rich in money mask real happiness by shielding you from real life
 experiences. 
 
So did the TRiBE have a rounded year.....with rich experiences both good and bad - even if we did not set out on that course - lets take a look:  
 
We really did have a roller coaster of a year. The sadness of a bereavement in the family. Lots of family illness 
in the form of all kinds of nasty bugs. Scarlet Fever, Schingles, 
Bronchitis, Chicken Pox and topped off with a nice bout of Gastro. That sure made us un-happy. Can we just mark that one down as couldn't do anything about due to the joys of having young kids and living in a large city. 
 
MRS.C
 left work followed with the normal withdrawal symptoms. From personal 
experience I actually think it is nicer to be sacked / made redundant than resign. It 
gets rid of the what in the hell am I resigning for / doing question. 
 
Bang! Suddenly the lack of work 
(job) = an empty void that you feel the need to fill back up OR was it too filled in the first place? 
 
We 
were very fortunate to be able to make these choices. At least our 
actions left a job behind for someone else to take up the financial 
independence mantra. 
 
So we packed up our belongings and 
gave away the rest then moved to another country. Fun, exciting and 
exhausting. 
 
This place is so different. How do you settle into a completely different culture as well as adapting to a complete change to family life (both parents at home and we have managed not to divorce yet). 
 
Yes family life. No more "shift 
family member from A to B refill on the way then into bed to recharge the 
batteries". THE.FuTuRe: "Fill the void! Do it now you must be busy all that free time together would drive you mad" 
 
Is he right what are we doing to fill the void - please read on for an investment review and some key learning's around our downshifting move to France from the year that was 2013

Learning from THE.PaST

A cold start to the year? THE.FuTuRe : "CHUMP you still there? Learn from me and THE.NoW forget THE.PaST he is a has been, now l...

Screener Updated

Contender 0 Investing, Oil, Schiller PE10, Silver, stock screen, Wheat 14:12

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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZjFLonhJOgJSjmy8847cxDXywDurrlz5zvcqW0tFSO5BLeA8c7iuPXnvBvYRm51QKpz927xtDDSLRCUvyUTOSJyUSYUEK6dD9FMih9iR0lBrjiZ3cHcpe92HqoD8re7ztCrRlbVPzjS78/s1600/Screener07122013.JPG" imageanchor="1" style=""><img border="0" height="163" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZjFLonhJOgJSjmy8847cxDXywDurrlz5zvcqW0tFSO5BLeA8c7iuPXnvBvYRm51QKpz927xtDDSLRCUvyUTOSJyUSYUEK6dD9FMih9iR0lBrjiZ3cHcpe92HqoD8re7ztCrRlbVPzjS78/s280/Screener07122013.JPG" width="280" /></a></div>
The Stock Screener and Market analysis spreadsheet has been updated and a few more analysis graphs have been added. 
<ul>
<li>PE10 and Real Commodity Prices have been updated</li>
<li>Historical Debt to GDP and population growth analysis has been added for the US and the UK</li>
<li>All sources of information are included in the spreadsheet </li>
</ul>
Future improvements will be made to give a bigger picture of asset class valuations e.g. supply and demand of a commodity which can then be looked at further. Further long term trend analysis is another interest 
 
<a href="https://sites.google.com/site/lifeplanltd/home/StockScreener.xlsm?attredirects=0&d=1" target="_blank">Click here</a> to download* - its introduction post can be <a href="http://getintheringwithme.blogspot.com/2013/11/screener-for-value-and-dividend-stocks.html" target="_blank">found here </a> 
 
Peace, prosperity and happiness 
 
THE.CONTENDER 
 
Welcome New CONTENDER Readers! Please take a look around. 
 
<a href="http://getintheringwithme.blogspot.co.uk/p/about-me.html" target="_blank">Here you can find out about </a><a href="http://www.blogger.com/null" target="_blank">THE.CONTENDER</a> and the purpose of the blog is or perhaps browse the <a href="http://getintheringwithme.blogspot.co.uk/p/all-posts-get-in-ring.html" target="_blank">all posts list</a>, have a <a href="http://pinterest.com/gitrwm/contender-vs-the-future/" target="_blank">look at the pictures on the notice board</a><a href="http://getintheringwithme.blogspot.co.uk/p/about-me.html#random" rel="13"></a>. Please feel free to play with the <a href="http://getintheringwithme.blogspot.co.uk/p/muff-tools-and-check-lists.html" target="_blank">planning tools and checklists</a>. 
 
Keep in Touch:  <a href="http://feeds.feedburner.com/MuffFreeLifeAndExtremeFinancialFreedomPlanningTools" target="_new">RSS Feed</a>, follow THE.CONTENDER on <a href="https://twitter.com/The__Contender" target="_blank">Twitter</a> or <a href="https://www.facebook.com/pages/The-Contender/368729006562792" target="_blank">Facebook </a>or subscribe to posts by email: 
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* Like everything on this website the tools 
have been created for personal use / entertainment purposes. The 
information is as accurate as far as the author is aware (unfortunately 
he is human and is prone to mistakes from time to time - **** happens). THE.CoNTeNDeR
 is not a financial adviser just a guy who is on the cusp of financial 
independence for his little tribe through frugality and investing for THE.FuTuRe.  
 
Please read the disclaimer that comes with 
this website and always do your own due diligence and research. Seek 
professional advice as required.

Screener Updated

The Stock Screener and Market analysis spreadsheet has been updated and a few more analysis graphs have been added. PE10 an...