Saturday, November 12, 2011

Lindsey Williams : The Elite are buying gold and silver by the tons

Lindsey Williams : I am an agent , I am not a disinfo agent , I am an agent of Jesus Christ , by the providence of GOD he allowed me t o live with the elite of the world as a chaplain of the trans Alaskan oil pipeline , God put me there as an agent , in the past 35 years not even one single time the information that the elite have given me have ever failed to take place exactly as they said it , go back and check the archive for yourself ....I can't take credit for any of this , I was not right the elite were I am just reporting exactly what they told me ........

Lindsey Williams - 2012 The Beginning of The End - Full 3 DVD Set - October 2011

This is the entire 3 DVD set by Lindsey Williams in one video. It is titled, "2012 The Beginning of The End." It was made available in October 2011. It is over 3 hours long. This video covers the following: What in this world is going on. Division among the Elite. The Dollar - Fear - Fuel in 2012. Why 2012 and not 2000. The Devils Messiah according to the Elite. Divine Manifestation. 2012 predictions from the Elite. some key points are : The Elite Illuminati Gangsters want to create massive debt before stock market crash The elite want to create debt like in not only America but every country of the world, comparable to the debt that Greece has. Greece will get bailed out in everyway imagined until the very end The elite are buying the bonds of Greece so they will own the country when they default The elite are allowing California and other states to get in the most horrible state, so when they default, they will own and control them All the bailouts are done intentionally to force a default where then the elite will fully controls them “By the end of 2012 private fortunes will be lost if they are secured with paper” Syria is the next country they will attack Elite are 3 months behind schedule because they couldn’t get Muammar Gaddafi fast enough The US Mint sold 737,000 Silver Eagles sold on the first day of October. Only buy silver coins minted by the US Mint. Never done before in history. It’s 42% of all the sells in the whole month of December, 2010 Gold to go to $3,000 almost overnight and Silver to $75.00-$100.00 The Elite plan to keep the price of gold and silver down for a few more weeks (maybe a few months) This is because they are buying all the gold and silver up for themselves at cheap prices Welfare, Food Stamps and Social Security will not be cut off until the US Defaults in a few years Elite don’t want riots. They don’t like the wallstreet riots. They will default on paying social security, welfare, and food stamps when the US Defaults They want you in massive debt. You need to have enough money in gold and silver to pay your taxes for 3-5 years. Goldman Sachs won’t lose a penny. Fear is what the elite what. They create it to make you shutdown your brain and not see whaty they are doing America will be like Greece in 3 years The current debt in America is $14,837,000,000,000 for the new year coming in 2012. Major discord between the elite of the world. They hate each other, but have to work together. Major arguements among the elite. Elite have think tanks they use to predict the future. One of the think tanks says that something very unually is going to happen in 2012. This is in the spiritual realm. There will be some “Divine Manistafactions” in 2012 The Elite have a “Devil’s Messiah ” program scheduled for 2012

Take Note: Your Gold Holdings Are at Risk!

As with most things in life, making an investment in silver or gold is not without risk….What do you suppose is the biggest risk we face [and how should we go about protecting our holdings? Read on because you will be surprised!] Words: 1885

So says Jeff Clark ( in edited excerpts from an article* which Lorimer Wilson, editor of (Your Key to Making Money!), has further edited ([ ]), abridged (…) and reformatted (some sub-titles and bold/italics emphases) below for the sake of clarity and brevity to ensure a fast and easy read. The author’s views and conclusions are unaltered and no personal comments have been included to maintain the integrity of the original article. Please note that this paragraph must be included in any article re-posting to avoid copyright infringement.

Who in the world is currently reading this article along with you? Click here

Clark goes on to answer the question and explain why it is the case, as follows:

“Your biggest risk is not that gold or silver may fall in price. Nor is it that gold stocks could take longer to catch fire than we think. Not even the prospect of the Greater Depression. No, your biggest risk is political. As bankrupt governments get increasingly desperate for revenue, any monetary asset held domestically could be a target. It is absolutely essential that every investor diversify themselves politically. In fact, at this point, it is the one action that should be taken before anything else.” – Doug Casey, September 2011

I know many reading this are prudent investors. You own gold and silver as solid protection against currency debasement, inflation, and faltering economies. You set aside cash for emergencies. You have strong exposure to gold stocks, both producers and juniors, positioned ahead of what is likely the next-favored asset class. You feel protected and poised to profit. Yet, despite all this preparation, you remain exposed to one of the biggest risks.

Lack of Sufficient Diversification

Similar to holding a diversified portfolio at a bank without checking the institution’s solvency, many investors keep their entire stash of precious metals inside one political system [that is, country] without considering the potential trap they’ve set for themselves. While storing some of your gold outside your home country is not a panacea, it does offer one important thing: another layer of protection.

Consider the exposure of the typical American investor:

  1. systemic risk, because both the bank and broker are US domiciled;
  2. currency risk, as virtually every transaction is made in US Dollars;
  3. political risk, because they are left totally exposed to the whims of a single government; and,
  4. economic risk, by being vulnerable to the breakdown of a single economy.

Viewed in this context, the average American investor has minimal diversification.

Internationalize the Storage of Some of Your Precious Metals

This act reduces four primary risks:

1. Confiscation: We don’t know the likelihood of another gold confiscation but we do know that things are working against us – particularly for US citizens. With $14.7 trillion of debt and $115 trillion of unfunded liabilities, the U.S. government will likely pursue heavy-handed solutions. Under the 1933 FDR “gold confiscation” in the US (the executive order was actually a forced delivery of citizens’ Gold in exchange for cash), foreign-held gold was exempted. [Read this article (1), this article (2) and this (3) article on confiscation.]

2. Capital Controls: Many Casey editors think some form of capital controls lie ahead, limiting or eliminating a citizen’s ability to carry or send money abroad. If enacted, all your capital would be trapped inside the U.S. and at the mercy of whatever taxing and regulating schemes the government might concoct. Although you might be able to leave the country, your assets could not travel with you.

3. Administrative Action: There are plenty of horror stories of asset seizure by a government agency without any notice or due process, possibly leaving the victim without the means to mount a legal defense. Having some gold or silver stored elsewhere provides what could be your only available source of funds in such a scenario.

4. Lack of Personal Control: Having gold and silver stored elsewhere adds to your options. You will have a source of funds available for business, entrepreneurial pursuits, investment, or pleasure.

Foreign-held assets require…[considerable] awareness and planning [as] access to your metal or sale proceeds may not be quick. Therefore, this option is for those with some gold and silver stored at or near home. We do not recommend storing all your precious metals…[outside the country as] that defeats one of its purposes, to have it handy for an emergency. While we think the U.S. poses the greatest threat, a foreign government could move to control certain assets as well. The risk varies by country and is generally greater within the banking system than with private vaulting facilities. [In addition,] understanding and complying with reporting requirements is essential.

Notice above we said these risks can be reduced, not eliminated. There is no perfect solution; Americans could, for example, be compelled to pay a “wealth tax” [read this article (4) on the potential of your IRA or 401(k) being heavily taxed/confiscated to alleviate America's dire debt situation] on assets held worldwide, or even repatriate them in a worst-case scenario. Absent a crystal ball, the political diversity of asset location is an essential strategy against an uncertain future.


The bottom line, though, is that foreign-held precious metals can mitigate risk and give you more options. As your metal holdings grows, diversification becomes more crucial.

Given our current rapacious climate, it’s likely that simply buying gold won’t be enough. We strongly suggest every investor diversify one’s bullion storage outside their current political regime. The option may not be available someday, leaving you vulnerable without a secondary source of bullion [so please do so at your first opportunity].


Titles and Links to Articles Referenced Above:

1. Be Careful! Owning Gold Bullion is a Revocable Privilege in the U.S. – Not a Basic Right!


The laws of gold confiscation are very clear in the U.S.: During any time of national crisis, it becomes illegal to buy, sell, or “hoard” gold bullion in any form. It is delineated under an Executive Order and can be re-administered as quickly as the assets in your checking account can be frozen. The penalties for violation are 10 years in prison, $10,000 fine, or both. Words: 821

2. Will U.S. Government Seize Private Gold and Then Devalue Dollar – Again?

Imagine living in a country where the government suddenly decides to make it illegal to hold a certain type of asset, and goes on a systematic process to relieve its citizens of such an asset? Such actions happen in wartime and by politically-corrupt regimes but how about private-asset seizure in the good old U.S.A.? Well, [...]

3. Beware: Official U.S. Government Price for Gold is Only $42.22/oz.


The United States has seen four different gold confiscations — the last of which was in 1933. Few people realize that when the freedom to own gold was restored in 1972, the President retained the power to require us to surrender our gold which he can do again any time (probably on a Friday) with the mere stroke of a pen. That means all confiscated gold could possibly be compensated at only $42.22 per 1oz. and not at the world market price. Don’t take this decision lightly. It was another blatant warning that the government may be contemplating grand larceny — AGAIN. Words: 1740

4. Is Your IRA or 401K a Target of Government Appropriation?

Will the laws and rules in place to protect individuals in their attempt to set something aside for retirement be safeguarded by the representatives elected to advocate for them in Washington? Will the principles and moral integrity of the political class keep them from appropriating the trillions of dollars held in 401k’s and IRA’s? I’m not so sure! Words: 1207

Related Articles:

1. Not Available to Americans: New Gold Investment Vehicle Introduced By Royal Canadian Mint


The Royal Canadian Mint has announced that it is making an initial public offering of exchange-traded receipts (ETRs) under the mint’s new Canadian Gold Reserves program. Unlike other gold investment products currently available which only enable the purchaser to own a unit or share in an entity that owns the gold, the ETRs will enable the purchaser to actually own the physical gold bullion which will be held in the custody of the mint at its facilities in Ottawa, Ontario. Unfortunately, the ETRs have not, and will not, be registered under the U.S. Securities Act of 1933 and, as such, may not be offered or sold in the U.S. Words: 745

2. Gold Bullion: What’s the Difference Between 1 Troy Ounce and 1 Regular Ounce?


You have no doubt read countless articles on the price of gold costing x dollars per “troy ounce” or perhaps just x dollars per “ounce” but the difference between the two measurements is significant. For that matter, what’s the difference between a 24 karat gold ring and an 18 karat gold ring? What’s the difference between a .75 and a 1.0 carat diamond? Let me explain. Words: 963

3. Buying Physical Gold? Follow These 5 Rules


If you’re interested in physical gold, I recommend you buy small gold bars which are available in a wide range of weights and can be bought for as little as 1 percent over the price of gold. [That being said, this article outlines five rules to follow before, during and after the purchase process.] Words: 813

4. IF Silver Goes Too High Government Might Interfere! Here’s Why

Silver has more than doubled [in price] from its 2008 multi-year high…primarily due to demand among the industries of the developing world…and among those industries where silver is virtually irreplaceable… If silver goes too high, however, it could provoke government interference in the name of ensuring national security. Let me explain. Words: 606

5. Eagles, Buffaloes & Maple Leafs: Gold Bullion Coins of U.S. & Canada


I think we all would agree that owning a 10 kg bar of gold would be nice but that it is probably out of the question at the current cost of over $500,000! I had the pleasure of caressing such a bar recently and being surprised at just how heavy (22.045855 lbs.) it was for such a small object. Below I describe the gold coins of Canada and the United States. Words: 870

6. New Series of Canadian & American Silver Coins Coming to Market

Stack of Canadian Quarters

The United States Mint has taken the demand for more mass production silver bullion coins seriously of late with the expansion of their offering to a planned total of 57 new coins by 2021 with the introduction of their America the Beautiful Bullion Coin Series . Canada’s Royal Canadian Mint has followed suit expanding its offering of mass production silver bullion coins to 8 by 2013 with the launch of their Canadian Wildlife Silver Bullion Coin Series Program. Below are the details. Words: 958

7. Surprise, Surprise – Gold Is A Safer Investment Than Any Other!


A look at the gold price over the past 177 years reveals that – surprise, surprise – gold could be the safest investment out there! Words: 1377

8. Beware The Dangers of Buying Gold Coins

$50 Cdn Maple Leaf Coin - front

At first glance, buying gold may seem a simple, straight forward process. However, there are dangers, such as falling for a telemarketer’s line that his coins are “non-confiscatable” and somehow have more value because you bought them from him. Basic bullion is the way to go when investing in gold.

Martin A. Armstrong: Financial Armageddon, Is Western Civilization on the Verge of to the Equivalent of the Fall of Rome

VERYONE knows that something is wrong. What they do not realize is that this has ALWAYS been a global game.

What are the implications of a global economy? As bizarre as this may sound, everything in economic theory that supports government manipulation and intervention into the domestic economy rests upon theories that the economy is exclusively domestic and takes NOTHING into consideration affecting local events from an external source. Why is this important to understand? The Sovereign Debt Crisis began in Austria in 1931. Once one country goes, capital looks around and then attacks the next country perceived to be weak. Thus, the collapse need NOT be some local event. Hence, if the catalyst can be external, that means we may NOT be able to prevent the spill- over of GLOBAL CONTAGION. The bottom line – we are NOT in control of the domestic economy as economists and politicians presume. Government presumes this recession is no different than any other, perhaps a tad deeper. Thus, they sit back and presume we will “grow” our way out of it and hence there is absolutely no contingency plan for “what if” they are wrong!

The mainstream economic theories have long supported government manipulation and intervention to control the economy from a DEMAND-SIDE view. People turned SUPPLY-SIDE economics into dirty word under President Reagan. However, there is something more to SUPPLY-SIDE ECONOMICS that nobody seems to pay much attention. The Fed raises interest rates to AFFECT consumers and to discourage them from buying, while increasing the profit margins for banks. This is in THEORY managing “DEMAND” rather than curtailing lending by banks changing their ratios affecting “SUPPLY”. Everything the government does is designed to influence the PEOPLE/DEMAND by affecting them to indirectly

Please Read the Rest Here @ the ORIGINAL SOURCE

Did MF Global Use $80 Million in Customers' Gold & Silver COMEX Warehouse Receipts as Collateral for a $300 M Short Term Loan?

Yesterday we advised readers that 1.42 million ounces of registered silver, and 16,645 ounces of registered gold are not currently available for delivery per the CME, due to the MF Global bankruptcy.

This is roughly $50 million worth of silver, and $30 million worth of gold- or $80 million total.

So the question needs to be asked- why are $80 million in gold and silver unavailable for delivery? Did it vaporize overnight?
Forbes today has released an article that may shed some light into WHY $80 million worth of registered gold and silver are currently unavailable- because the warehouse receipts of MF's clients were stolen by company execs and used as collateral for a short term $400 Million loan obtained in an attempt to bridge the failing company until a buy-out could be arranged. When the news of the loan and missing customer assets became public, the lender instantly liquidated the illegally pledged assets- which apparently included $80 million in registered gold and silver.

Still wondering why The Doc advocates taking PHYSICAL DELIVERY of gold and silver and holding in your own possession?

Now the question remains- WHO lent MF Global $300-$400 Million against $700 million of customer assets a week ago Thursday?

Why do I believe MF Global executives transferred customer assets not cash to “house” accounts? Because missing cash would be noticed immediately. Their clients were still trading and clearing and cash was required to settle. Securities such as U.S. Treasury Bills, blue-chip equities such as CME Group stock held by many exchange members, and physical assets such as gold, warehouse receipts, and other certificates of title are less active. They would not be missed Thursday through Monday.

What did MF Global do once these assets were moved to a “house” account? I believe they pledged the customer assets as collateral for a short term loan.

A privately arranged line of credit, secured by a basket of assets discounted by up to 50% due to the risk of default and the firm’s desperation, could be unwound as soon as a deal to sell the firm was struck. All the assets could go back into the customer accounts and no one would be the wiser.

Any firm willing to lend $300-400 million for a week or so against approximately $700 million of customer assets was certainly wise enough to require recourse to those assets in the event of a bankruptcy. Some of the assets, like CME stock, were sure to drop in value if the bankruptcy occurred.

When MF Global filed for bankruptcy midday on Monday October 31, 2011, the lender owned the customer assets.

My guess is the pledged assets were immediately liquidated.

No one is raising their hand to admit they’re the firm who lent MF Global several hundred million dollars, enough to get them through the weekend, based on collateral MF Global had no right to pledge. It’s not clear what the responsibility of a firm is in that situation to ask questions and confirm title. What is clear is that the arrangement, most likely a favor called in based on very strong relationships, must have been planned in advance. When all else failed to generate enough cash on Wednesday afternoon, someone at MF Global pressed the button and set the wheels in motion.

The lender must have had the capacity to make such a loan and the ability to execute a strategy intended to leave few traces. But there are always trails to follow.

More from Forbes:

The Economist - 12th November-18th November 2011

The Economist - 12th November-18th November 2011
English | 128 pages | PDF | 105 Mb

download it here

How The U.S. Will Become A 3rd World Country Part 1

The United States is increasingly similar to a 3rd world county in several ways and is accelerating towards 3rd world status. Economic data indicate a harsh reality that obviates mainstream political debate. The evidence suggests that, without fundamental reforms, the U.S. will become a post industrial neo-3rd-world country by 2032.

Fundamental characteristics that define a 3rd world country include high unemployment, lack of economic opportunity, low wages, widespread poverty, extreme concentration of wealth, unsustainable government debt, control of the government by international banks and multinational corporations, weak rule of law and counterproductive government policies. All of these characteristics are evident in the U.S. today.
* Other factors include poor public health, nutrition and education, as well as lack of infrastructure. Public health and nutrition in the U.S., while below European standards, stand well above those of 3rd world countries. American public education now ranks behind poorer countries, like Estonia, but remains superior to that of 3rd world countries. While crumbling infrastructure can be seen in cities across America, the vast infrastructure of the United States cannot be compared to a 3rd world country. However, all of these factors will rapidly deteriorate in a declining economy.

Unemployment and Lack of Economic Opportunity
Unemployment, which is a deep, structural problem in the U.S., is a fundamental challenge to economic opportunity. The U.S. labor market is in a long-term downward trend linked to globalization, i.e., offshoring of manufacturing, outsourcing of jobs and deindustrialization.

The U.S. workforce has declined by approximately 6.5% since its year 2000 peak to roughly 58.2% of working age adults and the U.S. now suffers chronic unemployment of 9.1%. Although the workforce grew in the 1980s and 1990s, as dual income families became the norm, the size of the workforce is shrinking due to a lack of economic opportunity.

Officially, long-term unemployment is 16.5% and the ranks of the long-term unemployed (those jobless for 27 weeks and over) include 5.9 million, 42.4% of those unemployed. However, prior to the Clinton administration, unemployment measures included workers who are now no longer counted as part of the workforce. Using the more accurate pre-Clinton criteria, unemployment exceeds 22%, only 3% below the worst point (24.9%) of the Great Depression. For countries with populations greater than 2 million, Macedonia leads the world with 33.8% unemployment, followed by Armenia at 28.6%, Algeria at 27.3% and the West Bank and the Gaza Strip both at 25.7%.

Compounding the unemployment problem is the fact that an entire generation of young Americans is being left behind in terms of economic opportunity. Student loans exceed $1 trillion while the labor force participation rate for those aged 16 to 29 who are working or looking for work fell to 48.8% in 2011, the lowest level ever recorded. Lack of economic opportunity among the youth, including millions of unemployed college graduates, is a political wildcard reminiscent of countries like Tunisia.

The structural decline of the U.S. labor market will continue as American workers are merged into a global labor pool in which they cannot yet directly compete for jobs with workers in countries like China and India. In China, for example, gross pay, in terms of purchasing power parity, is equivalent to approximately $514 per month, 57% below the U.S. poverty line. According to the Economic Policy Institute, the U.S. trade deficit with China alone caused a loss of 2.8 million U.S. jobs since 2001.

Falling Real Wages and Household Incomes
Workers earning more dollars are actually poorer in terms of purchasing power when the cost of living rises faster than wages,. In fact, if household income is adjusted for inflation, most American families have grown significantly poorer over the past ten years. In 2010, for example, real median household income fell 2.3%. Although the average wage has risen steadily in nominal terms, dwindling purchasing power is a reality for most Americans. When adjusted for inflation, the wages of most Americans have not kept up with the Consumer Price Index (CPI).

According to famed economist Milton Friedman, “inflation is always and everywhere a monetary phenomenon.” In other words, prices rise when the money supply is increased faster than population or sustainable economic activity. Apparent economic growth created through credit expansion, i.e., by increasing the money supply, has a temporary stimulative effect but also causes prices to rise. True Money Supply is an accurate measure of inflation.

Although CPI is sufficient to illustrate declining real wages, CPI does not measure the cost of living in a realistic way. According to economist John Williams of Shadow Government Statistics, CPI systematically understates inflation.

The decline in real household income has set Americans back to 1996 levels, despite many households now having two incomes rather than one. Dual income families accounted for much of the increase in real median household income during the 1980s and 1990s, but, today, two incomes are barely better than one income was three decades ago. The decline in real wages was obfuscated in the 1980s and 1990s by growth in the workforce, e.g., by women entering the workforce. Real median household income rose while real wages declined because more households had two incomes.

As U.S. wages and household income continue to fall in real terms, both poverty and reliance on government assistance programs will continue to rise.

Growing Poverty
According to the U.S. Census Bureau, the poverty rate in the United States rose to 15.7% in 2011, with 47.8 million Americans living in poverty (1 in 6). The official poverty line, determined by the U.S. Department of Health and Human Services, is $22,314 for a family of four. The number of families living in poverty has risen sharply since 2006 and continues to climb.

The U.S. Department of Agriculture’s Supplemental Nutrition Assistance Program (SNAP), commonly known as “food stamps,” serves 45.8 million households as of May 2011. The program now feeds 1 in 8 Americans and nearly 1 in 4 children.

Based on the outlook for employment and wages, both poverty and reliance on government assistance programs will continue to grow. However, the negative trends in employment, wages and poverty have not affected all Americans equally. In fact, the household income and wealth of the wealthiest Americans has increased sharply, despite the overall deterioration of the U.S. economy.

Increasing Concentration of Wealth
Alan Greenspan, former Chairman of the Federal Reserve, warned that, “Ultimately, we are interested in the question of relative standards of living and … trends in the distribution of wealth, which, more fundamentally than earnings or income, represents a measure of the ability of households to consume.” In other words, concentration of wealth undermines the consumer base of the economy, causing GDP to decline and resulting in unemployment, which reduces living standards. Obviously, the total wealth of society is reduced when wealth is highly concentrated because there is a lower overall level of economic activity.

Economic data from several sources, including the Congressional Budget Office (CBO), show that wealth and income in the United States have become increasingly concentrated with the wealthiest 1% of Americans owning 38.2% of stock market assets, e.g., shares of businesses.

For the wealthiest 1% of Americans, household income tripled between 1979 and 2007 and has continued to increase while household wealth in the United States has fallen by $7.7 trillion. The Gini Coefficient illustrates the growing disparity in income distribution.

In terms of the Gini Coefficient, the United States is now at parity with China and will soon overtake Mexico, a still developing country. It should be noted, of course, that the U.S. remains a far wealthier country overall. If the current trend continues, however, the U.S. will resemble a 3rd world country, in terms of the disparity in income distribution, in approximately two decades, i.e., by 2032.

Welcome to the 3rd World
The United States is quickly becoming a post industrial neo-3rd-world country. Partly as a consequence of worsening unemployment and lack of economic opportunity, falling real wages and household incomes, growing poverty and increasing concentration of wealth, the U.S. government faces a historic fiscal crisis. Dominant corporate influence over the U.S. government, particularly by large banks, weakening rule of law at the federal level and destructive tax policies are compounding the economic problems facing the United States. Barring fundamental reforms or a hyperinflationary collapse of the U.S. dollar (due to the fiscal problems of the U.S. government), the deterioration of the U.S. economy will continue and accelerate. As the U.S. economy continues its decline, public health, nutrition and education, as well as the country’s infrastructure, will visibly deteriorate and the 3rd world status of the United States will become apparent.

Special Report: The Merits of Dividend Investing (TD Waterhouse)

Today, TD Waterhouse (Portfolio and Investment Research) has released its report titled, “The Merits of Dividend Investing,” in which TD analysts, Ryan Lewenza ( U.S. Equities ) and Martha Hill (Canadian Equities) dig into the merits of investing in dividend paying stocks by examining the positive return and risk attributes associated with dividend payers, as well as providing a list of some of their preferred U.S. and Canadian dividend paying equities.

Report Prepared by:

Ryan Lewenza, CFA, CMT
V.P., U.S. Equity Strategist

Martha Hill, CFA
V.P., Canadian Equity Strategist


• In this report we dig into the merits of investing in dividend paying stocks by examining the positive return and risk attributes associated with dividend payers, as well as providing a list of some of our preferred U.S. and Canadian dividend paying equities.

• Given our expectations for lower rates of return over the next few years, dividend paying equities could outperform with dividends likely to play a more important role in future total returns. As anecdotal evidence of this, we note that dividend payers within the S&P 500 Index (S&P 500) have outperformed non dividend payers by 5.50%, year-to-date. Looking at Canada (S&P/TSX Composite Index), the returns from dividend payers are even greater, outperforming non-dividend paying stocks by roughly 12%.

• Looking longer term, if a U.S. investor invested $100,000 in the S&P 500 in 1988 they would have roughly $527,974 today. That equates to a compound annual growth rate (CAGR) of 7.50%. However, if you include dividends over this period, an investor would have over $900,000, which equates to roughly a 10% CAGR. Similarly, Canadian investors who invested $100,000 in 1988 would have over $700,000 including dividends (8.9% CAGR) versus $397,000 (6.20% CAGR) if only looking at price return.

• When investing we also need to consider risk. On this front dividend paying stocks are generally lower risk stocks relative to non-dividend payers. We have found that the highest yielding stocks within the S&P 500 (4% and above) have the lowest betas (0.84 on average), which means they move less than the overall market. Conversely, stocks that do not pay a dividend or have a low dividend yield of less than 1% have higher betas than the market, at 1.23 and 1.31, respectively.

• Overall, our analysis shows that dividend paying stocks can enhance total returns for investors, with potentially lower risk.

The report is available here, or viewable/downloadable below.

More Americans Struggling to Buy Food - Gallup Read more: More Americans Struggling to Buy Food - Gallup Important: Can you afford to Retire? Shockin

More Americans are finding it harder to buy food these days, approaching levels not seen since the Great Recession of a few years ago, a Gallup polls finds.

The percentage of Americans who say they did not lack money for food in 2011 fell to 79.8 percent in October from 80.1 percent in September, continuing a decline that began in April, the polling company reports.

"The record low was in November 2008, at the start of the economic crisis, when 79.4 percent reported that they had enough money to buy food for themselves or their families," Gallup reports.

Don't blame rising food prices, either, as the poll shows the problem may be home grown.

"In 2008, fewer Americans reported that they had enough money to buy food in August and November than in October, likely affected by high gas prices in the former case and the onset of the economic crisis in the latter," Gallup says.

"Still, this October finds fewer Americans saying that they had enough money to buy food over the past year than in each October for the past three years."

The news does not bode well for the U.S. economy, of which consumer spending accounts for 70 percent of total output.

While economic indicators may point to improvement, such as more robust gross domestic product rates, slight upticks in consumer spending and less demand for unemployment benefits, consumer sentiment remains low, and when the latter occurs, robust economic growth remains elusive.

"It’s the hangover from the Great Recession," says James Russo, vice president of global consumer insights for Nielsen, the Washington Post reports. "People feel the economy not at the macro level but at the micro level."

65% Chance Of Banking Crisis By End Of Month: Researchers

There is a 65 percent chance of a banking crisis between November 23-26 following a Greek default and a run on the Italian banking system, according to analysts at Exclusive Analysis, a research firm that focuses on global risks.

A domino effect on banks is 65% likely following a Greek default and a run on the Italian banking system according to analysts

Having tested a number of assumptions in a scenario modeling exercise, the Exclusive Analysis team warned it is becoming less and less likely that EU leaders will simply “muddle through” and have made some bold calls with clear timelines on when the euro zone will be thrown into a major financial crisis.

The most likely outcome according to their analysis is a sudden crisis in which the US, UK and BRICs nations refuse to provide funding via the IMF for the euro zone. In a world where predictions are made with no time lines, the paper makes some bold predictions which can be held to account over the next three weeks.

In the worst case scenario, Exclusive Analysis expects the governments of Greece and Portugal to collapse due to a lack of consensus on how to handle the debt crisis leading to social unrest. German opposition to handing more funds to the EFSF rises, leading Germany’s parliament to actually reduce the money available to the bailout fund.

“In face of that, China and the other BRICs give clear signals that they will not support the bailout fund. The EFSF turns to the ECB , which refuses to print out the amount of money the former needs to bailout the PIIGS. In face of the EU's failure to boost the EFSF, the European banks refuse to accept the 50 percent haircut on the Greek debt.

Between November 18-22, French debt, under Exclusive Analysis' most likely scenario, is downgraded leading to the interbank lending market freezing up with new governments in Greece and Italy “faced down by protestors in their attempts to implement more austerity”.

Civil unrest follows in Spain following the election of a new government which pushes through even tighter austerity measures, and Portugal announces it cannot meet financial targets putting its bailout cash from the IMF and ECB at risk.

“Increased fear that these economies will default creates bank runs in Greece and Portugal and a downgrade of French sovereign debt from AAA to AA. EFSF is subsequently downgraded to AA+” said the report.

“The spreads applied to the debt of all PIIGS increase with yields on Italian bonds reaching 7.3 percent. In a second contagion effect, depositors in Spain and Italy fear a banking crisis in their own countries, which end up creating a series of bank runs and a collapse of the interbank credit market as banks know that most of their counterparts are at risk. Greece defaults.”

Tim Rifat : The Rothschild own the World except 3 countries

The Rothschild Bankers Enslave the World says the terrible Geopolitical Analyst Tim Rifat The Rothschilds have made western governments irrelevant because of their amount of control. But why are their power really fragile ? terrible Tim Rifat claims to have the answers to all these questions , according to Tim Rifat the Rothchild are preparing WWIII which will obviously involve Iran and Israel , Cobalt-60 as weapon , bacteriological weapons The Banking system in Europe is coming to an implosion point , the Rotschild are getting rid of the middle class in the west because they cannot afford them , they are also preparing world war 4 in order to complete the control of resource rich Russia after they won World War 3 against the soviet Union , the plan is to conquer Russia in order to pay off for the massive public sector in the west and feed the millions of leeches that are dependent on it