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The first thing I’d have to ask is, what do you mean by free?Currently, every American is entitled to 12 years of free education and a lot of them chose to utilize that educational gift like this……or this……or this.Now let’s get back to what you mean by free. If you mean that the existing system of higher education would continue in its current form, with the taxpayer picking up the check instead of the student, I see that as a recipe for disaster.Here the main reasons it would be a disaster.We currently have a glut of college graduates with degrees that make them no more employable than a high school graduate.Having the taxpayer pay the cost of college won’t fix the structural problems that make college too expensive, problems that have evolved over 5 decades.I say that as someone who earned 2 masters degrees while working full time. I did this by living with roommates and avoiding any unnecessary expense for years. I was so broke that I literally had to sell some of my belongings to pay the vet when my dog became sick. My girlfriend actually paid some of the vet bill as a birthday present.I finished my education with nothing but a few thousand dollars of credit card debt because I lowered my standard of living. So I am intimately aware of the cost of college. Let’s look at what is driving up the cost of college.(1) Bloated administration is driving up costs.There has been a amazingly fast expansion in the number of administrators on college campuses. That expansion has created an artificial demand that has driven up the pay in that field. Again, Professor. Campos puts it better than I could.“a major factor driving increasing costs is the constant expansion of university administration. According to the Department of Education data, administrative positions at colleges and universities grew by 60 percent between 1993 and 2009, which Bloomberg reported was 10 times the rate of growth of tenured faculty positions.Even more strikingly, an analysis by a professor at California Polytechnic University, Pomona, found that, while the total number of full-time faculty members in the C.S.U. system grew from 11,614 to 12,019 between 1975 and 2008, the total number of administrators grew from 3,800 to 12,183 — a 221 percent increase.”Not only has the number of administrators exploded, the amount we’re paying administrators has skyrocketed.“On the other hand, there are no valid arguments to support the recent trend toward seven-figure salaries for high-ranking university administrators, unless one considers evidence-free assertions about “the market” to be intellectually rigorous.”In many ways the administrators have helped create an atmosphere where they are needed. If you’re going to implement a student speech code to make students be nice, you’re going to need someone that students can complain to if someone says “handyman” instead of “handyperson” and that person might well have a total compensation package over six figures.(2) There is no REAL price to tuitionLet’s say that a college has too many Asian students and too many white females, and it really wants to create a student body that meets certain ethnic goals. It’s going to charge “more desirable” students a different price. So the price basically changes depending on where you’re from or where your ancestors are from. According to Adam Davidson, This could be the 'single most important' reason why college tuition is skyrocketing.In essence, the higher the tuition cost, the easier it is for universities to recruit the exact type of students they want by offering them tuition discounts, according to Kevin Crockett, a consultant with Ruffalo Noel Levitz, a firm that helps colleges and universities set prices."I've got to have enough room under the top-line sticker price," Crockett told The Times Magazine. Davidson explained: "A school that charges $50,000 is able to offer a huge range of inducements to different sorts of students: some could pay $10,000, others $30,000 or $40,000. And a handful can pay the full price."The “starting price” of the Toyota 86 is $28,000 for the GT version.Now if car dealerships operated the way colleges did the base price for the same car would be $60,000. If there are too many Asians driving Toyota 86, then Mr. Nguyen is going to pay the full $60,000. If there are too many Swedish-American females driving 86s than Ms. Anderson is going to pay the full $60,000. But let’s say Toyota decides that there aren’t enough Irish-American men driving Toyota 86s, so Mr. O’Brian is going to get his for $20,000, with Mr. Nguyan’s and Ms. Anderson’s $60,000 paying part of the cost of his car. Maybe Toyota wants someone more athletes driving Toyota 86s so the price drops to $15,000 for anyone who ran the Boston Marathon. Maybe Toyota isn’t selling enough 86s in northern states so they reduce the price for drivers living in Virginia Minnesota and Helena Montana to $18,000. The full $60,000 price paid by drivers in California and New York subsidizes the drivers in Montana and Minnesota. Maybe Toyota realizes that the average person can’t afford a Toyota 68 that costs $60,000 so they create special prices so that a whole bunch of people get to buy the car for less than half the sticker price and anybody who can afford the full sticker price has to pay $60,000 for a $28,000 car.If that sounds like a crazy system, it is. But it’s exactly the way the price of tuition works.(3) Financial Aid May Be Driving Up TuitionLet’s go back to the car analogy for a minute. Years ago I purchased a new Jeep Wrangler for about $14,000 by basically telling the dealer that was the total money I had and I wouldn’t, under any circumstances, pay more than I had.The dealer eventually let the car go for for $14,000. But what if there was a government program that would add $10,000 to whatever I had to spend. Do you think the dealer would have let me drive my new Jeep off the lot for only $4000 from my pocket? Hell No! If they knew the government was kicking in money they would have charged me $24,000.Writing in Forbes, Preston Cooper explains How Unlimited Student Loans Drive Up Tuition through a similar process.A 2015 study found that a dollar of subsidized (non-PLUS) student loans increases published tuition by 58 cents at a typical college, with larger effects once reductions in institutional financial aid are taken into account. An NBER paperissued last year concluded that changes to federal student loans are more than sufficient to explain tuition increases at private nonprofit colleges. And a 2014 analysis found that for-profit colleges eligible for federal student aid charged tuition 78% higher than that of similar but aid-ineligible institutions.Based on their past actions, it’s clear that colleges and universities would raise prices as soon as any new grants went into effect. There would be absolutely no benefit to the student, but there would be a huge wealth transfer from middle-class taxpayers to overpaid school administrators.(4) Proliferation of dubious courses, majors and departmentsWhen colleges had a smaller number of majors and those majors had a more prescribed path to completion, there was a certain economy of scale. If you are paying an English professor $100,000/year and he teaches a mandatory course on Shakespeare to 100 students, that’s pretty good value for the money. If another professor paid the same amount is teaching some bizarre interest of the professor to 20 students, it basically costs the same as the 100 students in the core class.Granted, there should be some room for individual interest within a major, but students have been able to satisfy graduation requirements at various schools with:Deconstructing Buffy the Vampire Slayer (Emerson College)Tree Climbing (Cornell)Philosophy of the Simpsons (UC Berkeley)Calvin and Hobbes (Oberlin)Queer Positions (Oberlin)Tattoes in American Popular Culture (Scripps)Getting Dressed (Princeton)Seminar in Transgender studies (CSULA)Lady Gaga and the Sociology of Fame (U. South Carolina)How to Watch TV (Montclaire State U)Makin’ Whoopi: Goldberg’s Canon (Bates College)History of Surfing (UCSB)Demystifying the Hipster (Tufts)Transgender Poetry (Hunter College)Surviving the Coming Zombie Apocalypse (Michigan state)OK, I actually like the last one.One can debate the merits of any particular course, but the fact is that offering a smorgasbord of exotica is a lot less cost effective than having a clear defined path to a degree. It would make far more sense, and be more cost effective, to have fewer and more academically rigorous choices. And I can live without my Zombie Apocalypse course if you can live without your Lady Gaga course. And neither of us getting what we want can make college more affordable.But the exotica doesn’t stop at individual courses. U.C. Santa Cruz has a History of Consciousness graduate program where students get to navel gaze on their own political beliefs.Give me another hit of that consciousness man.You can major in Sexuality at San Francisco State University. You can major in Canadian Studies at a number of universities including Duke, John Hopkins, SUNY and U of Vermont.Having specific majors in Canadian or any other studies is an example of something that can be more effectively covered in previously existing legitimate majors. There’s no reason a scholar interested in Canada can’t just study History, Literature or Politics and do individual research projects or their senior thesis on Canada.CONCLUSION:Students are more likely to make wise decisions about college if they have to pay for it. We also need to reverse the trends in higher education that are driving up the cost of education.

Currently, every American is entitled to 12 years of free education and a lot of them chose to utilize that educational gift like this……or this……or this.Now let’s get back to what you mean by free. If you mean that the existing system of higher education would continue in its current form, with the taxpayer picking up the check instead of the student, I see that as a recipe for disaster.Here the main reasons it would be a disaster.We currently have a glut of college graduates with degrees that make them no more employable than a high school graduate.Having the taxpayer pay the cost of college won’t fix the structural problems that make college too expensive, problems that have evolved over 5 decades.I say that as someone who earned 2 masters degrees while working full time. I did this by living with roommates and avoiding any unnecessary expense for years. I was so broke that I literally had to sell some of my belongings to pay the vet when my dog became sick. My girlfriend actually paid some of the vet bill as a birthday present.I finished my education with nothing but a few thousand dollars of credit card debt because I lowered my standard of living. So I am intimately aware of the cost of college. Let’s look at what is driving up the cost of college.(1) Bloated administration is driving up costs.There has been a amazingly fast expansion in the number of administrators on college campuses. That expansion has created an artificial demand that has driven up the pay in that field. Again, Professor. Campos puts it better than I could.“a major factor driving increasing costs is the constant expansion of university administration. According to the Department of Education data, administrative positions at colleges and universities grew by 60 percent between 1993 and 2009, which Bloomberg reported was 10 times the rate of growth of tenured faculty positions.Even more strikingly, an analysis by a professor at California Polytechnic University, Pomona, found that, while the total number of full-time faculty members in the C.S.U. system grew from 11,614 to 12,019 between 1975 and 2008, the total number of administrators grew from 3,800 to 12,183 — a 221 percent increase.”Not only has the number of administrators exploded, the amount we’re paying administrators has skyrocketed.“On the other hand, there are no valid arguments to support the recent trend toward seven-figure salaries for high-ranking university administrators, unless one considers evidence-free assertions about “the market” to be intellectually rigorous.”In many ways the administrators have helped create an atmosphere where they are needed. If you’re going to implement a student speech code to make students be nice, you’re going to need someone that students can complain to if someone says “handyman” instead of “handyperson” and that person might well have a total compensation package over six figures.(2) There is no REAL price to tuitionLet’s say that a college has too many Asian students and too many white females, and it really wants to create a student body that meets certain ethnic goals. It’s going to charge “more desirable” students a different price. So the price basically changes depending on where you’re from or where your ancestors are from. According to Adam Davidson, This could be the 'single most important' reason why college tuition is skyrocketing.In essence, the higher the tuition cost, the easier it is for universities to recruit the exact type of students they want by offering them tuition discounts, according to Kevin Crockett, a consultant with Ruffalo Noel Levitz, a firm that helps colleges and universities set prices."I've got to have enough room under the top-line sticker price," Crockett told The Times Magazine. Davidson explained: "A school that charges $50,000 is able to offer a huge range of inducements to different sorts of students: some could pay $10,000, others $30,000 or $40,000. And a handful can pay the full price."The “starting price” of the Toyota 86 is $28,000 for the GT version.Now if car dealerships operated the way colleges did the base price for the same car would be $60,000. If there are too many Asians driving Toyota 86, then Mr. Nguyen is going to pay the full $60,000. If there are too many Swedish-American females driving 86s than Ms. Anderson is going to pay the full $60,000. But let’s say Toyota decides that there aren’t enough Irish-American men driving Toyota 86s, so Mr. O’Brian is going to get his for $20,000, with Mr. Nguyan’s and Ms. Anderson’s $60,000 paying part of the cost of his car. Maybe Toyota wants someone more athletes driving Toyota 86s so the price drops to $15,000 for anyone who ran the Boston Marathon. Maybe Toyota isn’t selling enough 86s in northern states so they reduce the price for drivers living in Virginia Minnesota and Helena Montana to $18,000. The full $60,000 price paid by drivers in California and New York subsidizes the drivers in Montana and Minnesota. Maybe Toyota realizes that the average person can’t afford a Toyota 68 that costs $60,000 so they create special prices so that a whole bunch of people get to buy the car for less than half the sticker price and anybody who can afford the full sticker price has to pay $60,000 for a $28,000 car.If that sounds like a crazy system, it is. But it’s exactly the way the price of tuition works.(3) Financial Aid May Be Driving Up TuitionLet’s go back to the car analogy for a minute. Years ago I purchased a new Jeep Wrangler for about $14,000 by basically telling the dealer that was the total money I had and I wouldn’t, under any circumstances, pay more than I had.The dealer eventually let the car go for for $14,000. But what if there was a government program that would add $10,000 to whatever I had to spend. Do you think the dealer would have let me drive my new Jeep off the lot for only $4000 from my pocket? Hell No! If they knew the government was kicking in money they would have charged me $24,000.Writing in Forbes, Preston Cooper explains How Unlimited Student Loans Drive Up Tuition through a similar process.A 2015 study found that a dollar of subsidized (non-PLUS) student loans increases published tuition by 58 cents at a typical college, with larger effects once reductions in institutional financial aid are taken into account. An NBER paperissued last year concluded that changes to federal student loans are more than sufficient to explain tuition increases at private nonprofit colleges. And a 2014 analysis found that for-profit colleges eligible for federal student aid charged tuition 78% higher than that of similar but aid-ineligible institutions.Based on their past actions, it’s clear that colleges and universities would raise prices as soon as any new grants went into effect. There would be absolutely no benefit to the student, but there would be a huge wealth transfer from middle-class taxpayers to overpaid school administrators.(4) Proliferation of dubious courses, majors and departmentsWhen colleges had a smaller number of majors and those majors had a more prescribed path to completion, there was a certain economy of scale. If you are paying an English professor $100,000/year and he teaches a mandatory course on Shakespeare to 100 students, that’s pretty good value for the money. If another professor paid the same amount is teaching some bizarre interest of the professor to 20 students, it basically costs the same as the 100 students in the core class.Granted, there should be some room for individual interest within a major, but students have been able to satisfy graduation requirements at various schools with:Deconstructing Buffy the Vampire Slayer (Emerson College)Tree Climbing (Cornell)Philosophy of the Simpsons (UC Berkeley)Calvin and Hobbes (Oberlin)Queer Positions (Oberlin)Tattoes in American Popular Culture (Scripps)Getting Dressed (Princeton)Seminar in Transgender studies (CSULA)Lady Gaga and the Sociology of Fame (U. South Carolina)How to Watch TV (Montclaire State U)Makin’ Whoopi: Goldberg’s Canon (Bates College)History of Surfing (UCSB)Demystifying the Hipster (Tufts)Transgender Poetry (Hunter College)Surviving the Coming Zombie Apocalypse (Michigan state)OK, I actually like the last one.One can debate the merits of any particular course, but the fact is that offering a smorgasbord of exotica is a lot less cost effective than having a clear defined path to a degree. It would make far more sense, and be more cost effective, to have fewer and more academically rigorous choices. And I can live without my Zombie Apocalypse course if you can live without your Lady Gaga course. And neither of us getting what we want can make college more affordable.But the exotica doesn’t stop at individual courses. U.C. Santa Cruz has a History of Consciousness graduate program where students get to navel gaze on their own political beliefs.Give me another hit of that consciousness man.You can major in Sexuality at San Francisco State University. You can major in Canadian Studies at a number of universities including Duke, John Hopkins, SUNY and U of Vermont.Having specific majors in Canadian or any other studies is an example of something that can be more effectively covered in previously existing legitimate majors. There’s no reason a scholar interested in Canada can’t just study History, Literature or Politics and do individual research projects or their senior thesis on Canada.CONCLUSION:Students are more likely to make wise decisions about college if they have to pay for it. We also need to reverse the trends in higher education that are driving up the cost of education.

Can you live on 5% of $400,000.00 per year?5% x $400,000.00 = $1,600 per month. More of a supplemental income instead of enough to cover all of you ongoing living expenses.For dividend investors, yield is one of the most important factors to consider when making an investment. Dividend yield can make or break the attractiveness of a dividend stock. In many cases, companies will have dividend yields that are similar to their peers, but that is not always the case. Check out the chart below to see how the stocks you own measure up with their sector averages.Average Dividend Yield by SectorBasic MaterialsConsumer GoodsFinancialHealthcareIndustrialServicesTechnologyUtilitiesYield0123456YieldBasic Materials:4.96%Looking further, we present a dividend yield comparison by sectors and individual companies compared to the average dividend yield of their respective market segment. In addition, those companies that have been truly committed to their investors in the form of dividend increases by raising their dividend every year for 25+ years are highlighted below.Basic MaterialsEarn Bonus Income With Special DividendsLearn MoreThe basic materials sector consists of several components including oil and gas, metals, chemicals, construction materials, forest, wood and paper products. Companies within the sector generally provide other companies with goods obtained from the earth, with varying amounts of processing. These companies tend to do well during a strong economy, but can fall during an economic downturn. Companies in the sector are also very driven by commodity prices and can be directly impacted by their performance, so these stocks tend to go through cycles of booms and busts.Basic Materials Average Dividend Yield by SectorAgricultural ChemicalsChemicals-DiversifiedGoldOil and GasMetals & MineralsMajor Integrated Oil & GasOil & Gas Equipment & ServicesOil & Gas PipelinesOil & Gas Refining & MarketingSpecialty ChemicalsAverage Yield02.557.51012.5The basic materials sector has an average stock dividend yield of 4.92%, while basic material stocks in the S&P 500 have an average yield of 2.5%. The highest yielding industries in this basic materials sector are Oil & Gas Equipment & Services and Oil & Gas Refining & Marketing. Both of these industries have average yields over 5%.Both ExxonMobil (XOM) and Sherwin-Williams (SHW) from this sector have proven dividend reliability by increasing their dividends for over 25 years in a row. For investors seeking monthly paying stocks, Vanguard Natural Resources (VNR) and Linn Energy (LINE) are both high yield monthly dividend payers in the basic materials sector, although they tend to be much more volatile than the larger, lower-yielding stocks in the sector. Nearly all Master Limited Partnerships are located within the basic materials sector, which skews the sector’s average yield to the upside.Basic Materials - 25 Year Dividend IncreasersYieldNucorExxonQuestarAir Products …H.B. FullerSherwin Willia…Sigma-Aldrich00.511.522.533.5Consumer GoodsProducts in the consumer goods sector include all products that are purchased by consumers rather than manufacturers and businesses. The types of products in this sector range from auto parts to food products to paper products to apparel. Since this sector is directly affected by consumer spending, it typically sees substantial growth in a strong economy, but declines in a weak economy.The consumer goods sector can be split into two categories: cyclical and non-cyclical. Cyclical consumer goods include products and services for consumer use, including airlines, entertainment, restaurants and toys. Non-cyclical goods include products that are typically less affected by the business cycle. These goods include food, drinks and tobacco.Consumer Goods Yield by SectorAuto PartsBeveragesBusiness EquipmentCigarettesCleaning ProductsFarm ProductsFoodPaper ProductsPersonal ProductsProcessed & Packaged GoodsTextilesAverage Yield0123456The average dividend yield in the sector as a whole is 2.22%, while the average consumer goods yield for stocks listed in the S&P is 2.5%. The highest yielding industry within this sector is the cigarette industry, which is well known for its high yields. Check out Why Tobacco Stocks Can Make Good Dividend Investments for more information on these stocks.There are 21 consumer goods companies that have increased their dividends every year for the last 25 years including Altria (MO), Kimberly Clark (KMB) and Pepsico (PEP).YieldUniversal Corp.AltriaDieboldLeggett & PlattKimberly ClarkCoca-ColaCloroxProcter & GamblePepsiCoWeycoBemisMcCormick & Co.Colgate-PalmoliveV.F. CorpLancaster ColonyHormelStepanBrown FormanEcolabClarcorCarlisle0123456FinancialThe financial sector includes several money-related industries, including banks, savings and loans, insurance and real estate. The average yield for the financial sector is approximately 4.17%, while the average yield for financial services companies in the S&P 500 averages much lower at 2.5%. The average dividend yield for the sector as a whole remains high due to high yields in the Real Estate Investment Trust (REIT) industry and real estate development stocks.These high yielding industries are offset by low yielding industries like money center banks and accident/health insurance. Although money center banks historically had attractive yields, these banks have yet to restore their dividends since the financial crisis of 2008-2009. See Also: History of Bank Stock Dividends: Still Little Recovery from Financial Crisis.Financial Industry Yield by SectorAccident/Health InsuranceAsset ManagementCredit ServicesDiversifed InvestmentsInvestment BrokeragesLife InsuranceMoney Center BanksProperty/Casuality InsuranceReal Estate DelelopmentRegional BanksREITsSavings and LoansAverage Yield0246810There are 13 companies in the sector that have consistently increased their dividends over the past 25 years, including T. Rowe Price (TROW), AFLAC Incorporated (AFL) and Franklin Resources (BEN). For investors seeking monthly paying dividend paying stocks, the financial sector has over 200 stocks that pay monthly.Financial Industry - 25 Year Dividend IncreasersYieldOld RepublicHCPUnited BanksharesCincinnati FinancialCommunity TrustAflacFederal Realty Investment TrustEaton VanceCommerce BanksharesT. Rowe PriceChubb CorpRLI CorpFranklin Resources052.57.5HealthcareThe healthcare sector is compiled of companies dealing in biotechnology, pharmaceuticals, healthcare providers, medical products, medical devices and supplies. On average, companies in the healthcare sector have a 2.28% dividend yield and healthcare companies in the S&P 500 have a 1.75% dividend yield.Healthcare Industry - Yield by SectorBiotechnologyDrug Manufacturers -MajorHealthcare PlansLong Term Care FacilitiesMedical Appliances & EquipmentMedical Instruments & SuppliesSpecialized Health ServicesAverage Yield01234There are seven companies within this sector that have increased dividends for 25 consecutive years, including Johnson & Johnson (JNJ) and Abbott (ABT). The sector itself is not known for having impressive yields, but the companies below have proved that they are committed to being consistent dividend payers.Healthcare - 25 Year Dividend IncreasersYieldAbbVieJohnson & Jo…Mine Safety A…AbbottBecton Dickin…MedtronicC.R. Bard00.511.522.533.5IndustrialThe industrial goods industry includes companies that manufacture or service industrial products. In general, the industry as a whole tends to underperform the wider market, or outperforms for very short periods of time. The average dividend yield for companies in the industrial goods industry is just 1.76%, and 2% for industrial stocks in the S&P 500.Industrial Goods - Yields by SectorAerospace-Defense Products & ServicesDiversified MachineryFarm & Construction MachineryGeneral Building MaterialsGeneral ContractorsHeavy ConstructionIndustrial Electrical EquipmentIndustrial Equipment & ComponentsLumber, Wood ProductionMachine Tools & AccessoriesMetal FabricationAverage Yield01234Although the industry’s average dividend yield is very low, there are 12 companies that have raised their dividend for at least 25 years, including Energizer Holdings, Inc. (ENR), Illinois Tool Works Inc. (ITW) and Stanley Black & Decker, Inc. (SWK).Industrial Goods - 25 Year Dividend IncreasersYieldEmerson ElectricDover CorpStanley Black & DeckerIllinois Tool WorksRPM InternationalParker HannifinPentairNACCO IndustiesValsparGorman-RuppNordson CorpTennant01234ServicesThe services sector includes companies that typically produce or sell intangible goods, big-box retailers, and shipping companies. The sector is compiled of industries including business services, restaurants, grocery stores and lodging. This sector is also the provider of the majority of jobs in the United States. The average dividend yield for the services sector is 2.37%, while the average yield for service companies in the S&P 500 is 2.0%. As shown below, the shipping industry yields well above the other industries in the sector. This high average yield is primarily due to high yielding international tanker companies including Nordic American Tankers (NAT) and KnightsBridge Tankers (VLCCF).Services - Yields by SectorApparel StoresBusiness ServicesGrocery StoresLodgingPersonal ServicesManagement ServicesRailroadsRental & Leasing ServicesRestaurantsShippingSpecialty RetailTruckingYield01234567For investors seeking steady dividend payments, there are two companies in the sector that pay regular monthly dividends: Shaw Communications Inc (USA) (SJR) and Student Transportation Inc(STB). There are also 13 companies in the services sector that have increased dividends for at least 25 consecutive years, including Wal-Mart (WMT), McDonald’s (TGT) and Target Corporation (TGT).Services - 25 Year Dividend IncreasersYieldMcDonaldsSyscoBrady CorpTargetWal-MartABM IndustriesGenuine PartsWalgreen CompanyW.W. GraingerFamily DollarLowesMcGraw-HillCintas01234TechnologyThe technology sector includes several industries including telecommunications, IT services, semiconductor manufacturing, software, data hosting services, biotechnology, and scientific research. On average, companies that are in this sector have a dividend yield of 3.2%, while technology companies in the S&P 500 have an average dividend yield of just 1.5%.Technology - Yields by SectorApplication SoftwareBusiness Software & ServicesDiversified ElectronicsScientific & Technical InstrumentsTelecom Services (Domestic)Wireless CommunicationsCommunications EquipmentSemiconductor - Broad LineAverage Yield0246810Many dividend investors do not look to technology stocks due to their high volatility. Historically, tech stocks have not been known to be great dividend stocks, as many tech companies prefer to invest cash back into their businesses rather than pay a dividend. This trend has changed in recent years, however, as many former high-growth tech companies have accepted a slower growth trajectory and started to focus more on rewarding shareholders with dividends and buybacks. For additional overview on tech stocks that pay dividends, take a look at 10 Big Tech Stocks That Pay A Dividend.There are only three companies in this sector that have paid increasing dividends every year for at least 25 years, namely AT&T Inc. (T), Automatic Data Processing (ADP) and Telephone & Data Systems, Inc. (TDS).Technolgy - 25 Year Dividend IncreasersYieldAT&TAutomatic Data ProcessingTelephone & Data Systems0123456UtilitiesThe utilities sector is broken into electricity, gas, and water utilities. Companies in this industry require a large amount of infrastructure and therefore hold large amounts of debt. When interest rates go up or down, debt payments will increase or decrease accordingly. Therefore, the sector generally performs best when interest rates are low. Historically, dividend investors tend to be attracted to utility stocks due to their high yields. For dividend comparison purposes, utility stocks have a 3.96% average dividend yield, while utility stocks in the S&P 500 have a 3.7% average yield.Utilities - Yield by SectorDiversified UtilitiesElectric UtilitiesGas UtilitiesWater UtilitiesAverage Yield012345This high yielding industry has 13 companies that have increased their dividend for at least 25 years, including Consolidated Edison, Inc. (ED) and American States Water Co (AWR). These companies have been able to maintain attractive dividend yields, with the exception of natural gas exploration company Energen Corp (EGN), which is visibly lower than its peers, yielding below 1%.Utilities - 25 Year Dividend IncreasersYieldConsolidated EdisonNorthwest Natural GasVectrenWGL HoldingsPiedmont Natural GasMiddlesex WaterConnecticut Water ServicesCalifornia Water ServicesBlack HillsMGE EnergyAmerican States WaterSJW CorpNational Fuel GasEnergen024Main Takeaways from This ComparisonWith the exception of the basic materials and financial sectors, which have MLPs and REITs skewing their average yields, the sectors generally have an average yield that is in-line with the average yield of their industries. A dividend comparison of each sector is essential to truly see how a specific stock compares to its peer.The “25 Year Dividend Increasers” charts above do not highlight the highest yielding stocks of each sector, but instead present some of the most reliable dividend payers. A stock that has a dividend yield well above (or below) its industry average may have that yield for a reason. It is important to always research a stock before making an investment. A safe and reliable dividend can be a much better choice for dividend investors than a high yield stock that could cut its dividend at any time.Be sure to check out our entire lists of 25 Year Dividend increasers and Monthly Dividend Stocks. For a complete list of dividend stocks by sector, please click here.THERE IS HOWEVER ONE COMPANY IN ALL OF THE WORLD THAT WILL PAY YOU A MONTHLY DIVIDEND OF 6% PER MONTH AND THAT WILL NOT ONLY GROW YOU MONEY BUT PROVIDE YOU WITH MORE THAN ENOUGH TO LIVE MONTH TO MONTH ON AN ONGOING BASIS FOR YEARS TO COME.CONTACT MR. JEAN LOUISE OF , “ START YOUR OWN GOLD MINE COMPANY” AND ASK TO BE PUT IN CONTACT WITH HIS VIETNAM ASSOCIATE BUSINESS DEVELOPER TO MAKE ARRANGEMENT TO MEET PEOPLE IN PERSON AND BE SHOWN THE EXACT INVESTMENT AND LOCATION PLUS MEET THEIR CPA AND ATTORNEY.