Parker Oil Credit Application: Fill & Download for Free

Saudi Arabia kick-started Aramco's initial public offering (IPO) on Sunday as its market regulator approved the oil giant's application to list on the domestic bourse and create the world's most valuable listed firm.A statement from the Capital Market Authority (CMA) did not give a time frame or say how much Aramco would sell, but sources have told Reuters the oil company could offer 1% to 2% of its shares on the local bourse, raising as much $20 billion to $40 billion.Confirmation of the share sale in Saudi Arabian Oil Co., or Aramco, as the oil giant is usually known, comes about seven weeks after crippling attacks on its oil facilities, underlining Saudi Arabia's determination to push on with the listing regardless.The IPO of the world's most profitable company is designed to turbo charge Crown Prince Mohammed bin Salman's economic reform agenda by raising billions to diversify the kingdom, whose dependency on oil was highlighted by the production impact of the Sept. 14 attacks.The CMA said its board "has issued its resolution approving the Saudi Arabian Oil Company (Saudi Aramco) ... application for the registration and offering of part of its shares."The authority said approval would remain valid for six months.Saudi Aramco will release the IPO prospectus on Nov. 10, Saudi-owned news channel Al-Arabiya said on Sunday, citing sources.The listing announcement had been expected on Oct. 20 but was delayed after advisers said they needed more time to lock in cornerstone investors, three sources told Reuters.To help get the deal done, Saudi Arabia is relying on easy credit for retail investors and hefty contributions from rich locals.Prince Mohammed gave the green light on Friday for the IPO to go ahead, Reuters reported, citing sources.Although he put a $2 trillion valuation on the company in early 2016, bankers and company insiders say Aramco's value is closer to $1.5 trillion.A growing movement to fight climate change and embrace new "green" technologies have put some fund managers, particularly in Europe and the United States, off the oil and gas sector.At a valuation of $1.5 trillion, Aramco would still be worth at least 50% more than the world's most valuable companies, Microsoft and Apple, which each have a market capitalization of about $1 trillion.But a 1% sale would 'only' raise around $15 billion for Saudi coffers, less than the $25 billion generated by Chinese e-commerce giant Alibaba in its record-breaking IPO in 2014.It would rank Aramco as the 11th biggest IPO of all time, Refinitiv data show.A sale of 2% of Aramco shares at a $1.5 trillion valuation would make it the biggest IPO of all time, beating Alibaba's.The prospect of the world's largest oil company selling a piece of itself has had Wall Street on tenterhooks since Prince Mohammed flagged it three years ago.Initial hopes for a blockbuster international listing of about 5% were dashed when the share sale was halted last year amid debate over where to list Aramco overseas.Aramco said the IPO timetable was delayed because it began a process to acquire a 70% stake in petrochemicals maker Saudi Basic Industries.IPO preparations were revived over the summer after Aramco attracted huge interest in its first international bond sale, seen as a pre-IPO relationship-building exercise with investors.The bond sale forced the secretive company to reveal its finances for the first time, including net income of $111 billion, over a third bigger than the combined net income of the five super majors Exxon Mobil, Royal Dutch Shell, BP, Chevron, and Total.

How did you like 2008?It’s a simple question.(Aug. 2007) At a central bankers’ symposium in Jackson Hole, Wyoming, Federal Reserve Chairman Ben Bernanke made clear that he was following what analysts have described as a “tough love” policy toward borrowers and especially toward lenders.“It is not the responsibility of the Federal Reserve — nor would it be appropriate — to protect lenders and investors from the consequences of their financial decisions,” Bernanke said.Bush proposes steps to deal with mortgage crisisThe Federal Reserve is the tool that was used to cause the economic collapse of 2008.First, a President tried to get poor people into houses.He forced banks and government entities to give loans to people who couldn’t pay them back.His ‘best practices’ forced banks abandon fiscal sanity.Credit History, Job History, Income levels were all ignored.Down payments were lowered from 20% to 3% and finally to 0%.Bill Clinton 1996 On The Issues….FHA is also providing home purchase loans for low-income and minority home buyers at more than twice the rate of conventional home purchase loan insurers.Working to reduce barriers to home ownership caused by unlawful discrimination. To date, HUD has signed 70 “Best Practices” agreements with key lenders that are resulting in more fair lending practices and expanded opportunities for low-income and minority families.Bill Clinton 1996 On The Issues Expanding Affordable HousingSuddenly Credit History didn’t matter. Job History didn’t matter. Income didn’t matter, Loan Documentation didn’t matter.As HUD lowered down-payments to 0%.The Clinton Administration also ordered Fannie and Freddie to expand their quotas of risky loans from 30 percent of portfolio to 50 percent.The phrase “sub-prime loan” was born. In reality, meaning that the people receiving these loans couldn’t pay them back.But the ever increasing equity in their homes made it possible to “balance the books”…at least for a while.the Federal Reserve Bank of Boston producing a document entitled "Closing the Gap: a Guide to Equal Opportunities Lending", which instructed banks that an applicant's "lack of credit history should not be seen as a negative factor" in obtaining a mortgage."Of course the new federal standards couldn't just apply to minorities. If they could pay back loans under these terms, then so could the majority of loan applicants. Quickly, these became the new standards in the industry. As the housing market boomed, banks embraced these new standards with a vengeance.One of the few journalists to see where this would lead was Jeff Jacoby, of the Boston Globe. Last week he reminded his readers what he had written in 1995: "Our banks are knowingly approving risky loans to get the feds and the activists off their backs... When the coming wave of foreclosures rolls through the inner city, which of today's self-congratulating bankers, politicians and regulators plans to take the credit?". Jacoby adds now: "Barney Frank doesn't. But his fingerprints are all over this fiasco."Dominic Lawson: Democrat fingerprints are all over the financialThis was the genesis of the a great housing boom.But where does the FED come in?At FED Chairman Alan Greenspan’s urging, Bill Clinton removed all regulations from the financial sector as the banks struggled to get rid of the loans they knew could never be paid back.President Clinton signed the Commodity Futures Modernization Act, which effectively shielded OTC derivatives from virtually all regulation or oversightHow the Clinton Team Thwarted Effort to Regulate DerivativesThe new “Sub-Prime” borrower was almost always given an adjustable rate mortgage.So when the FED went on an interest raising spree, the effect was to make all these “Sub-Prime” loans impossible to repay.17 consecutive interest rate hikes in 2 years.And the FED kept rates high until the economy collapsed.The attitude of the Federal Reserve toward the economy was insane. Completely without reason. Completely ignoring the events in the economy.Between 2004 and June 2008 OPEC raised the price of Oil from about $30 dollars a barrel to about $150 dollars a barrel.For 2004 to 2008 while our “allies” at OPEC were doing everything in their power to destroy America’s economy the FED also did everything they could to destroy America’s economy.The FED’s actions were exactly the opposite of what their mandate supposedly is…when the Tech Boom was happening, they did everything they could to fuel the bubble.When OPEC declared WAR upon America, the FED did everything possible to screw up America’s economy.So far, of the last 26 interest rate hikes…25 have come while a Republican was president.The idea that the FED is operating in a non-partisan manner is impossible to believe.There is no justification for the 8 consecutive interest rate hikes, since Trump’s election.There is NO INFLATION.Economy's strengths in 2019: Strong job market, consumer spending and low inflationAn economic mystery: Why is inflation so low? - The Washington PostThere has been NO INFLATION.The FED continues to act in an insane manner to ‘combat’ inflation that never existed.There is no logical explanation for their actions unless they are trying to sabotage the economy when a Republican is in office.

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.