I don't know if I've told readers this before....(ok maybe almost a hundred times)....but I love dividends.

In a market such as this, where volatility rules the day, dividends are the solstice in my investing activities that reminds me why I enjoy being paid to wait. Even if the market drops 20%, I'm not nearly as exposed to losses as indexed investors when my portfolio yields a hefty 4% of tax efficient dividends. Not only that but my tax-efficient cashflow is growing anywhere between 5-8% per year at a minimum and in depressed markets I'm simply adding to already undervalued shares with the prospects of a stress-free retirement with unlimited possibilities to keep my occupied.

Warren Buffett knows the value of cashflow, both personal and corporate. In the news yesterday, Goldman Sachs (GS) announced that Berkshire Hathaway (
K.A), Buffett's investing vehicle, will purchase $5B worth of perpetual preferred shares with a 10% dividend being paid in return for exclusive use of this capital injection. Not only does Berkshire get a dividend nearly double that of Canadian bank issued perpetuals, but the holding company also receives warrants to purchase $5B of common stock at $115 during the next five years.

This effectively sets a floor price on the common stock of GS and gives them a much needed credibility boost in a market of much uncertainty. Buffett has already established a comfortable margin of safety in his investment even if the warrants are never exercised. With extensive experience in unwinding derivative positions in General Re Securities back in 2002, Buffett is likely to begin exerting significant pressure on Goldman management behind closed doors right away to limit its exposure to "toxic waste."

If Goldman balks at the move, the market will likely see Buffett exercising the warrants on the common in a move to send a clear message to both the market company that he means business.

Buffett doesn't invest with any intention of losing money and he's given Goldman Sachs a rare opportunity to clean up their act with a vote of confidence from an investor revered as the best in the world. He buys for the long-term and has learned from past mistakes to take opportunities he can create in his favor to better position Berkshire for the future.

The Oracle of Omaha has been busy buying in recent days and weeks, and I find comfort in this behavior as I myself have seen these market troubles as opportunities to buy quality companies at much cheaper valuations that I would have otherwise expected.

Scott asked me earlier this morning, "Who better to navigate this minefield than Warren and Charlie?" and an investor has to wonder if we're better off simply buying Berkshire B shares (
K.B) at this time of market uncertainty then attempting to navigate the cluttered minefield of exposed companies on our own.

As a keen student of Buffett and other value investors I've learnt a great deal that starts with the basic foundation of how to be successful when investing. I follow my Value Rules, buy quality companies that pay me a dividend and when I have an adequate margin of safety I buy some more. I might not always get the cheapest price than other investors, but over the long-term I believe I'm much better off buying a company that pays me every quarter to invest in their business. Over time I can reinvest those dividends into more shares of the same company or others and accelerate the compounding nature of my investments for the long-term.

Here's one thought for readers: Buffett's the milkman and he never forgets to deliver.

link: http://seekingalpha.

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Confidence in the value of Compagnie shares and particularly paper money was now completely destroyed.

On 1 June the law against possession of coins of more than 500 livres was abolished. The 2600 mln livres of bank notes of the Banque Royale were to be withdrawn and exchanged for 250 mln livres of new notes secured by revenues of the city of Paris with 2 1/2 percent interest. On 10 June the Banque Royale re-opened for business, ready to redeem notes. Frantic scenes in front of the bank continued well into July as many converted their notes into coin.

The edict of 15 August 1720 declared the all large denomination bank notes (1,000-10,000 livres) were no longer eligible for payments, except for the purchase of annuities and bank accounts or for the payment of installments still due on the shares of the Compagnie. An October 1720 edict declared all bank notes to be deprived of value after November. All activities and privileges of the Compagnie were taken from it, reducing it to a mere private company. At the end of 1720 Laws enemies confiscated two-thirds of the Compagnie shares outstanding. His experiment had reached its end.

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BUCHAREST: Banks across Eastern Europe are seeking to plug liquidity shortages with cash from household savings in a trend that may help protect some of the region's red-hot economies, while trimming margins in the banking sector.
Global credit woes have thinned cash flows from some West European banks to their eastern units, and rising risk aversion in international markets has made funding too expensive for some local borrowers, say local bankers and analysts.
This, coupled with persistently high demand for credit in some cash-hungry former communist economies, has driven local banks to increase interest on saving accounts to attract customers in developing markets like Romania, Bulgaria or Poland.
"Banks are borrowing at increasingly higher yields and when these funds reach Romania you add the costs of bigger country risk and of minimum reserve requirement," said Ciprian Dascalu, analyst at Millennium Bank in Bucharest. "Basically, banks need to start drawing on their own funding sources.
"So for now, banks opt to lower their profit margins somewhat, their margins to finance lending to boost savings," Dascalu said.
In Romania, where consumer borrowing has been particularly rampant, some smaller banks have increased interest rates by 2 to 3 percentage points, often exceeding the central bank's benchmark rate of 9.5 percent.
Bigger banks, like Erste Bank's BCR, or the Romanian subsidiary of ING, have also jumped on board.
The rush has gathered speed in the past two months as bankers prepared for a heightened liquidity crunch in the tax payment quarter.
So far they were quite reluctant to raise interest rates on deposits to keep margins up, "but now it will have an adverse impact on the margins," said Marta Czajkowska, an equities analyst from KBC Securities in Poland, referring to Romanian banks.
Bulgaria is also struggling to contain voracious demand that threatens to overheat the economy. Average interest rates on three-month lev deposits have risen to 4.95 percent from 3.99 percent a year earlier.
While Bulgarian banks have consistenly increased rates on both lev and non-lev deposits, in Romania emphasis is placed on local currency savings, which some analysts say is because the central bank has a lower minimum reserve threshold for leu than hard currency.
Efforts to encourage savings are also evident in other parts of the region. Polish state-controlled PKO has raised returns on savings deposits, prompting more aggressive competitors to follow suit. Serb banks have taken similar steps to bolster the client base.
"A lot of people have become aware the most important thing for a bank is a solid funding base," Dascalu said.
The banking system in eastern Europe is dominated by foreign institutions which seized the opportunity for growth - in Romania over 90 percent of the banking system is foreign owned, in Bulgaria it is 80 percent.
Economists say higher savings rates could dampen household consumption and provide a cushion for some of the region's overheating economies.
Romania has one the lowest savings levels in the European Union and is struggling with resurgent inflation, which has risen to 8.6 percent on the year in March from last year's post-communist low of 3.7 percent, as well as a bloated current-account deficit. Both are driven by domestic demand.
Lending in Romania rose 60.4 percent last year to 148.18 billion lei, or $65.1 billion, while deposits were up 34 percent to 129.06 billion lei. In Bulgaria, loans grew 62.5 percent, while deposits 34.3 percent.
"Interest rates on savings have risen beyond the most positive expectations of the best economist from the central bank," the central bank governor of Romanian, Mugur Isarescu, said.
"It is very important for the fight against inflation and for the current-account deficit.

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As usual, the Bank of Thailand sees the life in pink : The Bank of Thailand insists that household debt remains at a manageable level, despite it having continued to rise as a result of low interest rates in recent years. (Nation).
The Bank makes some comparisons with foreign countries. Anuk added that accelerating household debt was a widespread phenomenon in many countries, but in Thailand household debt accounts for only 16 per cent of assets, lower than 30 per cent in the United States, 27 per cent in Columbia and 18 per cent in the Czech Republic.s the point ? What is more important is the pace of the increase.
Anyway, I cant find the datas on the NSO website (their site is a shameful mess).

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