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WELCOME TO
SAFER BETTER DIVIDEND INVESTING
SCROLL DOWN FOR INFORMATION ON IAN DUNCAN MACDONALD'S
4 INVESTMENT BOOKS
3 NOVELS
4 INVESTMENT POWER POINT VIDEOS
FREE STOCK SCORING SOFTWARE
75+ INVESTMENT PODCASTS
2,300 PAINTINGS, PHOTOS & DIGITAL ART
CONTACT
Informus Inc,
2 Vista Humber Drive, Toronto, Ontario, M9P 3R7
ian.macdonald@informus.ca
Toronto Tel. (416) 245-4994 New York Tel. (929) 800-2397
Ian's 4th Investment book,
"AMERICAN HIGH DIVIDEND HANDBOOK"
reader comments
“…. I’ve never had a mentor who was really looking out for my best interests with a working plan they were actually living, all of the financial advisors I’ve ever worked with, despite what they said to me, only had their interests in mind. You’ve provided insights and guidance based on what you’re actually doing, I ‘ve never met anyone before who was willing to share like you have...." "For almost 4 decades of my professional life, the dozen or so the financial advisors I’ve been exposed to have all played the same message: Put 60% in stocks and 40% in bonds, when you turn 65 put 60% in bonds and 40% in stocks, we’ll manage that for you and put it all in “safe” mutual funds because we know best. When you retire, you’ll have your social security and you’ll sell 4% of your portfolio each year to live on, hopefully you won’t outlast that. I found their attitudes repulsive….Then along comes Ian who says wait just a minute – Invest in dividend paying stocks and you can withdraw 5%, 6%, or maybe even 7% a year to live on, oh & by the way, you won’t be selling any of your portfolio, it will continue to grow. This is one of those “Ah-Ha” moments for me, something that’s clearly been readily available, but it’s not what the “experts” talk about or tried to sell me on. …., it’s almost like winning the lottery. The investments I’ve been making up until now have not been beneficial for my wife & I, our new portfolio is, thanks to you." "When I was doing my dividend research, I was seeing that these strong companies did not suspend or reduce their dividends during the 2008 recession or in 2020 when the COVID Pandemic hit, many of them had their share prices reduced 30% - 50%, yet what was puzzling to me was that many of them actually raised their dividends during these times! Now I understand why….With your comments and suggestions, I’m finally understanding that the stock share price is only loosely coupled to the company’s dividends, they are not directly correlated, higher is better but it’s not the primary driver. In fact, it looks like the best time to purchase shares in these companies is when their share price is temporarily artificially depressed….As long as the company is strong and keeps paying their dividend, you’d want to keep it, I did choose companies who have long histories of increasing earnings, paying dividends for decades, and steadily increasing the dividend. The average score for my twenty is 64, with only two in the 50’s." "Your life experience put you in a position to be able to keenly observe these inner financial workings of companies and take away the insights that matter the most. I now see the attributes you monitor; I see how you gauge your holdings, and how you adjust to capitalize for maximum value to you.”
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A STUDY OF THE BEST 20 US SCORES
IAN'S BOOKS ARE VERY MUCH ABOUT USING STOCK SCORING TO HELP PICK THE VERY BEST AND SAFEST STOCKS TO ADD TO YOUR PORTFOLIO
In March of 2021 Ian began a test of the effectiveness of stock scoring on a trial portfolio made up of the 20 highest scoring dividend stocks in the American High Dividend Handbook
traded on the NYSE and the NASDAQ.
He wanted to see what gains such a portfolio would have after one year compared to traditional indexes.
The One Year results:"SIMPLY WALL ST" Sun, Mar 27, 2022
Weekly Report
"Best 20 US Scores"
Gain this week 3.4%
Gain over One year 16.5% Biggest mover in the Portfolio
Symbol Name Last Price 7Days 1YearXOM Exxon Mobil 85.20 8.3% 55.8%
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"AMERICAN HIGH DIVIDEND HANBOOK"
is a companion to his 3rd book
"CANADIAN HIGH DIVIDEND HANDBOOK"
All Ian's books are available in print or e-book formats from amazon.com
THE INVESTMENT BOOKS ARE WRITTEN FOR
- for those who have never invested
- for investors who have lost money. - for those who fear outliving their life savings. - for those who fear the next stock market crash.
- for those who who hate jargon and complicated investments
THE AMERICAN HIGH DIVIDEND HANDBOOK
provides investors with useful charts covering all 286 common stocks traded on the New York Stock Exchange and the NASDAQ paying dividends of 3.5% or more. These easy-to-read charts are sorted by: score,
share price,
dividend yield percent
and alphabetically.
They make it easy to build a strong portfolio.
To further verify your stock choice you can then go to the
unique page for each of your chosen stocks.
On that page you see all eleven data elements that make up the stock's score.
You review a 20 year summary of the stock's share prices and
dividend payments
You can instantly see if the stock has grown steadily, even during market crashes.
Just prior to buying a stocks, you can rescore the stocks with THE FREE STOCK SCORING SOFTWARE (It is emailed, on request, to those who have bought the book. Rescoring confirms there have been no recent risk changes)
In the next stock market crash you will not panic because you know, that despite all share prices dropping, the dividends of your stocks have always been paid through market crashes and their share prices have always recovered and achieved new record highs. You will relax and live on your regular dividend payments until the inevitable share price recovery. A portfolio of financially strong, high dividends paying stocks never stops growing. Because it has three verifiable revenue flows: (1) Regulardividend payouts (2) Ever-increasing dividend payouts (3) Ever-increasing share prices. No speculator can accurately predict future share prices but the dividends paid from profits are predictable. Speculators only control share prices, not company's profits. 90% of speculators lose money
Just prior to buying a stocks, you can rescore the stocks with THE FREE STOCK SCORING SOFTWARE (It is emailed, on request, to those who have bought the book. Rescoring confirms there have been no recent risk changes)
In the next stock market crash you will not panic because you know, that despite all share prices dropping, the dividends of your stocks have always been paid through market crashes and their share prices have always recovered and achieved new record highs. You will relax and live on your regular dividend payments until the inevitable share price recovery. A portfolio of financially strong, high dividends paying stocks never stops growing. Because it has three verifiable revenue flows: (1) Regulardividend payouts (2) Ever-increasing dividend payouts (3) Ever-increasing share prices. No speculator can accurately predict future share prices but the dividends paid from profits are predictable. Speculators only control share prices, not company's profits. 90% of speculators lose money
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Like the American High Dividend Handbook the "CANADIAN HIGH DIVIDEND HANDBOOK"
provides the same charts on all Canadian common stocks traded on the Toronto Stock Exchange (TSX) paying dividends of 3.5% or more. The same stock scoring software is provided on request to those purchasing the Canadian High Dividend Handbook. No longer will you be buying stocks because of market hype, rumours or because an advisor has recommended them.
Now, you will understand what you have bought and why you bought it.
SAFER BETTER DIVIDEND INVESTING
In "Safer Better Dividend Investing" (released in 2020) Ian shows investors how to find the best 20 stocks for their portfolio. To make it easy he lists all 628 U.S. common and preferred stocks and 199 Canadian common stocks that were paying a dividend of 6% or more in August of 2020. For fast selection each of the 628 stocks is scored for financial strength and share price growth potential. The data is then listed four ways for quick review: (1) alphabetically, (2) by descending score, (3) by descending share price (4) by descending dividend percentage.
As with all his investment books, to insure that investors have the most up-to-date score before ordering a stock, Ian emails readers, on request, a FREE copy of his STOCK SCORING SOFTWARE. The book also contains the answers to 128 questions that Ian had received from investors over the last year. Such questions as: - How does the Great Depression 1929 compare to the 2020 recession?- Why do so many investors not trust investment advisors?- Do you see Tesla as an overpriced stock?- Is it too late to start investing at 35? - What are some lies stockbrokers tell themselves? The Canaidan lists not only display the current score but for trending purposes he includes last year's score from his first investment book published a year earlier.
As with all his investment books, to insure that investors have the most up-to-date score before ordering a stock, Ian emails readers, on request, a FREE copy of his STOCK SCORING SOFTWARE. The book also contains the answers to 128 questions that Ian had received from investors over the last year. Such questions as: - How does the Great Depression 1929 compare to the 2020 recession?- Why do so many investors not trust investment advisors?- Do you see Tesla as an overpriced stock?- Is it too late to start investing at 35? - What are some lies stockbrokers tell themselves? The Canaidan lists not only display the current score but for trending purposes he includes last year's score from his first investment book published a year earlier.
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Income and Wealth From Self-Directed Investing was Ian's first investment book.
He wrote it in 2019 after a friend, an eighty-year-old widow, asked him if it was normal for her portfolio to lose $300,000 over the previous four years. Outliving her savings had become a real fear.
Ian looked at her portfolio. Her investment advisor was making more trades in a month than Ian would make in 10 years. The advisor's fees were exceeding $20,000 a year. The portfolio was crammed with mutual funds, preferred shares and loan notes which had almost zero chance for capital gain.
The widow had believed her small monthly income was derived from dividends. She was surprised when Ian pointed out that the advisor was liquidating a portion of her portfolio each month to provide the $3,500 that she was living on.
Over several months Ian taught Miss Innocence how to be a self-directed investor and how to identify financially strong companies paying high dividends. Feeling confident with what she had learned, she terminated her investment aadvisor, and put together a portfolio of twenty excellent dividend stocks. This resulted in her saving more than $20,000 in advisor charges, her monthly income doubled and she was well on her way to recovering her $300,000. ( Two years later she has fully recovered this loss).
Miss Innocence pushed Ian to write a book that would help others like her to gain a better understanding of how to protect and grow investments. The book is very much a story about Miss Innocence and what Ian taught her.
Several US investors who had bought the book asked why it had not included American stocks. This motivated Ian to write his second investment book "Safer Better Dividend Investing' which analyzes high dividend stocks traded on the New York Stock Exchange and the NASDAQ. To further help investors he introduced futher significant enhancements in his two latest books American High Dividend Handbook and the Canadian High Dividend Handbook
The following are just a few of the comments from readers about Income and Wealth from Self-Directed investing.
This book provides an education in investing for those who want to take control of their own money....The income from your chosen stocks will provide a comfortable retirement...ALLAN
Some great advice and very easy to follow...The school system should make it a mandatory read by at leaste grade ten or twelve. Chapter 11 is worth the price many times over as a life lesson for young folks. I wish I had seen Chapter 4 many years ago.....WAYNE
I was trying to find an adviser who would review my portfolio and provide self-guidance. I found most advisers are either Asset Under Management, Brokers, Insurance or annuity salesmen. They either charge a big fee to manage or an upfront fee to purchase an insurance or annuity policy. I found a few people online who really want to to educate people. Here are a few I follow: Paul Merriman, Chris Pedersen, Michael Kitces, Roger Uanow and now Ian MacDonald....RON
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PODCASTS SAFE DIVIDEND INVESTING
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FOR PODCASTS GO TO
https://podcast.apple.com/ca/podcast/safe-dividend-investing/id1558028704
A new SAFE DIVIDEND INVESTING podcast is posted every week.
73 podcasts were available as of 21 March 2022.
- weekly broadcasts feature:
- readings from Ian's books
- responses to 5 questions from investors.
IDM STOCK SCORING SOFTWARE
Above is the data entry screen for the stock scoring software that is supplied, on request, to those who purchase Ian's investment books.
The information you enter into the data windows of the program is available from either the financial institution where you buy your stocks or from public sites like Yahoo Finance. In the books, Ian explains where to find the data to be input and why each of the 9 elements you enter are important to calculating a score.
Hundreds, if not thousands, of investors have used the software on every possible operating system .
Scoring a stock brings it alive. You are now able to sort scored stocks from most to least desirable. Their strengths and weaknesses are displayed and measured. Notice how the eleven subscores all add up to the "Overall Rating" score of "73" in this example.
A perfect score would be 100. The highest score I have ever seen was an 78. The lowest score was a 4 . Ian avoids adding stocks to his portfolio that score less than 50.
Judgment is still required in choosing the stocks for your portfolio. At least initially, you want to restrict your stock purchases to twenty financially strong stocks of equal value paying the highest dividend you can find. Unfortunately the highest scores are often attached to stocks paying low dividends and the highest dividend yields are often attached to stocks that are financially weak.
There is always an element of compromise as you are trying to build a portfolio that will give you a dividend yield of 6% or more, plus give you a capital gain of 13%.
The software is ordered by sending an e-mail to imacd@informus.ca. Upon receiving your email, the software will be attached and returned to you.
Sometimes, e-mail go astray. If you have not received your software within 24 hours phone (New York) 929-800-2397 or (Toronto) 416-245-4994. Be sure to mention in your email request which book you have purchses.
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IAN DUNCAN MACDONALD
In writing his books, Ian calls upon his experience as a Vice President at Equifax, a Senior Vice President at Creditel, a President at Intercontinental Collections, General Manager at Screening Systems International and General Sales Manager at Dun & Bradtreet.
He has managed operations with hundreds of employees; been a top salesman and salesmanager; took an operation that was losing a million dollars a year to annual profits of 8 million dollars; built a commercial risk scoring system that is still used daily by thousands of risk managers, analyzed thousands of businesses for risk; ran the largest commercial collection operation in the country; screened hundreds of senior executive job applicants; established an international risk information exchange system; and merged the operations of two large corporations.
Since 2005, Ian has been president of Informus Inc. It markets his books, art and consulting services. Investing and writing have been his passion since 2000.
He is a graduate of McMaster University. On his first day on that campus he met his wife. Their three children and two grandchildren live close to them in Toronto.
To reach him you can email him at imacd@informus.ca or by telephone (New York number) 929-800-2397 or ( Toronto number) 416-245-4994
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BEWARE THE ABANDONED
A New Mexico, capitalist sect recruits gifted, abandoned street children (often thieves and beggars) from around the world. They educate and shape them into wealthy entrepreneurs whose loyalty is to the sect that saved them from poverty and early death. The sect receives a portion of their wealth for the rest of their life.
As ruthless capitalists, would these recruits hesitate in murdering a rich socialite if her death could save thousands of abandoned children? Can murder ever be justified?
John Cross is one of these abandoned childred who was saved. He is a driven man who will let nothing stand in his way of achieving great wealth. Anyone who dares cross him can end up dead.
The story opens in Paris where John is on a mission to recruit street children just as he was recruited. He returns "home" to New Mexico, one step ahead of the Paris police, to begin his quest for wealth.
Soon, he is once again on the run. Staying a step ahead of the FBI and the mob who are in hot pursuit. We follow him across America to Delaware. Will the sect be able to move their top producer to a safe haven.
This action book with all its twists and turns is a hard one to put down. Like all Ian's books it is available at Amazon/Kindle as an e-book or print book.
DUEL
The Caribbean has always been the United State's private lake. Foreign nations have steered clear of it for more than a hundred years.
The People's Republic of China have become very active in the "Caribbean. The United States is no longer concerned about Caribbean nations embracing communism. They have largely ignored the Caribbean while the Chinese have filled the void of US foreign aid by becoming very active in providing health and infastructure benefits to these nations.
All hell breaks loose when the Chinese decide to establish a permanent presence in the Caribbean by leasing a long abandoned British naval base on the island nation of St. Matts.
The junior senator from Texas sees this threat on its doorstop as a direct attack on the United States and calls for massive retaliation, The State Department sends Rob Lyons to the island to assess the threat. This is done over the objection of the CIA who see it as interference in their intelligence gathering mandate. Assination, romance and monkeys make for an interesting provocative read.
This book like all Ian's books are available at Amazon/Kindle as e-books or print books.
USING DROUGHT USA
An ever diminishing fresh water supply in the US South West could destroy the economies of California, Nevada, New Mexico and Arizona. It is an election year. The President wants the votes in those four states.
Most of the rainfall in North America falls in Canada. A friendly neighbor with a small population - about the size of California with a very small militry force.
Could the United States solve its South West water problem by redirecting Canadian water that now flows North through empty, barren land to the Artic Ocean, South to where it is needed by 80,000,000 Americans? China has built canals thousands of miles long to solve a similar problem.
The State Department sends Rob Lyons to Canada to see what it would take to for the separtists provinces in Western Canada and Quebec to step aside and lt the w US "expand" into the Ontario. This would give the US control of the Great Lakes and an immense watershed..
This is a thought provoking, action novel that is disturbing in its posibilities. It is available as an e-book or print book at Amazone Kindle.
****************** INVESTMENT INFORMATION VIDEOS
****** ART ****** 2,300 of Ian MacDonald's paintings, photographs, and digital art are available for your viewing at the Fine Art America website. Click on the following link to be taken to his gallery where the images are sorted by topics: Most Popular, Blue Abstracts, Toronto, Berlin, Bermuda, Philadelphia, Sunsets, Seascapes, Fall Colors, Istanbul, Vienna, Flowers, etc. https://fineartamerica.com/featured/toronto-city-hall-ian-macdonald.html Excellent quality reproductions are available for quick delivery at competitive prices in a multitude of formats. Delivery is Quick and Satisfaction is Guaranteed Following are a few popular images
WAVE SEARCH (8,036 views) https://fineartamerica.com/featured/wave-search-ian-macdonald.html
THIS BEACH BELONGS TO ME (7,149 views) https://fineartamerica.com/featured/this-beach-belongs-to-me-ian-macdonald.html
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VICIOUS HOCKEY PLAYER (4,925 views) https://fineartamerica.com/featured/vicious-hockey-player-ian-macdonald.html
FRONT AND CHURCH (3,862 views) https://fineartamerica.com/featured/front-and-church-ian-macdonald.html
IN BALANCE (2,518 views) https://fineartamerica.com/featured/in-balance-ian-macdonald.html
TORONTO HARBOUR EAST GAP (1,826 views) https://fineartamerica.com/featured/toronto-harbor-east-gap-ian-macdonald.html
