Forum > View Topic (Article)
by Ashraf Laidi
Posted: Nov 2, 2022 15:20
Comments: 17
View Article
This thread was started in response to the Article:

مجموعة الواتساب الخاصة

grhtg, Argentina
Posts: 0
8 months ago
Oct 1, 2023 2:49
8 Best Funds for Regular Dividend Income
By SHOBHIT SETH Updated August 03, 2023
Fact checked by TIMOTHY LI
Reinvestment is known to increase long-term returns. When you reinvest your money, the interim income you generate is put back into the investment. But some investors opt to receive periodic payments from their investments, depending on their specific needs. Periodic coupon or interest payments from bonds, which are debt instruments, and regular dividends, which are cash payments from stocks and mutual funds, can offer investors a steady stream of income. In this article, we explore eight of the best dividend mutual funds that regularly pay dividends regularly.

How Do Mutual Funds Pay Dividends?
Mutual funds often contain a basket of securities including equities or stocks, which may pay dividends. Dividends are paid to shareholders at different times. For instance, mutual funds that follow a dividend reinvestment plan (DRIP) reinvest the received dividend amount back into the stocks. Other funds follow the dividend payment plan by continuing to aggregate dividend income over a monthly, quarterly, or sometimes six-month period, then making a periodic dividend payment to account holders.

A fund pays income after expenses. If a fund gets a regular yield from the dividend-paying constituent stocks, those expenses can be covered fully or partially by dividend income. Depending on local laws, dividend income may be tax-free, which can add to an investor’s overall return.
Stock Strategy

Stock trading Strategy

Investors should also note that companies are not obliged to make dividend payments on their stocks, meaning that dividends are not guaranteed. Investors looking for dividend income may find dividend-paying mutual funds a better bet than individual stocks, as the latter aggregates the available dividend income from multiple stocks. A mutual fund also helps with diversifying risk from depreciating stock prices since the invested money is spread among dozens of companies.

Here are the best mutual funds that pay high-dividend yields.

A useful benchmark for gauging the dividend-paying performance of a fund is to compare the mutual fund yield with the yield of the benchmark S&P 500 index. The 30-day SEC yield is a standard measurement in the industry mandated by the U.S. Securities and Exchange Commission (SEC) to help investors compare funds before investing.
1. Vanguard High Dividend Yield Index Admiral Shares (VHYAX)
Vanguard's High Dividend Yield Index Admiral Shares is an index fund that attempts to replicate the performance of the FTSE High Dividend Yield Index. This index contains stocks of companies that usually pay higher-than-expected or greater-than-average dividends. Being an index fund, VHYAX replicates the benchmark stock constituents in the same proportion. This fund has maintained a consistent history of paying quarterly dividends since its inception on Feb. 7, 2019.12

Being an index fund, the VHYAX has one of the lowest expense ratios—0.08%, as of Feb. 27, 2023—and its SEC yield was 3.06%, as of July 31, 2023. The fund has a $3,000 minimum investment requirement. It may be a perfect low-cost fund for anyone looking for higher-than-average dividend income.2

For investors looking for a lower minimum investment requirement, Vanguard offers this fund as an exchange-traded fund (ETF), which has many similar characteristics. The ETF version is called the Vanguard High Dividend Yield ETF (VYM).3
Stock Strategy

Stock trading Strategy

2. Vanguard Dividend Appreciation Index Admiral Shares (VDADX)
The VDADX is an index fund, which attempts to replicate the performance of the benchmark Nasdaq US Dividend Achievers Select Index. This unique index consists of stocks that have been increasing their dividend payouts over time. Being an index fund, the VDADX replicates the benchmark stock constituents in the same proportion. This fund is also a consistent payer of quarterly dividends since its inception date of Dec. 19, 2013.45

VDADX also has one of the lowest expense ratios. Like VHYAX, it only charges 0.08% as an expense ratio with an SEC yield of 1.76%, as of July 31, 2023. The fund has a $3,000 minimum investment requirement.5
New York, Bahamas
Posts: 0
9 months ago
Sep 9, 2023 16:44
Advantages of looking for the telephone number of the escorts
grhtg, Argentina
Posts: 0
10 months ago
Aug 7, 2023 2:57
Combating Hate Speech: A Religious Perspective

In light of the increasing concern with rights-based concepts, “hate speech” arose as a phenomenon that must be encountered and eliminated, because it undermines humans’ right to respect and honor. Though there is no agreed upon definition for hate speech, UN explains it as a term that refers to offensive discourse targeting a group or an individual based on inherent characteristics (such as race, religion or gender) and that may threaten social peace. Though, the concept is social one, it has a close connection with religion, as radical groups’ discourse promotes hatred and enmity. However, religion can be well employed to face hate speech, provided that the genuine understanding of religion is adopted.
Stock Strategy

“O mankind! We created you all from a single man and a single woman, and made you into races and tribes so that you may [get to] know one another. In God’s eyes, the most honored of you are the ones most mindful of Him: God is All-Knowing, All-Aware.” With these words, the Glorious Qur’an draws the frame of the human relations that must be based on respect and fraternity. This verse is an early call for negating the roots of hatred. It sets the foundations of relations of humans in this world: their relation with their lord and their relation with one another. The basis of the former type of relations is to be mindful of Allah, and the basis of the second type is the concept of “Ta’aruf.” Putting in mind that the Glorious Qur’an was revealed more than 1400 years ago, it teaches us how Islam was keen to present a new social concept that should govern human relations in our universe.
This Qur’anic concept finds its root in the fact that all humans are brothers as they all are the descendants of the same father and mother, as stated in the above mentioned verse, and therefore, there should be no hatred among them. It is through this concept of Ta’aruf, Islam implants a harmonious relation between religion and social life, a sign that proves that Islam views religion as a tool to achieve stability and create coherent communities. It is within such frame that the Qur’an prohibits Muslim to insult the gods of other worshippers, though the basic tenet of the Islamic faith is that there is no god but Allah. Qur’an (6: 108) stats, “Do not insult what they invoke apart from Allah, or they will insult Allah.”

Stock trading Strategy

Moreover, Islam does not only consider hate speech as a social defect that should be treated, Rather, it is a sin that a human has to avoid and ask forgiveness of Allah if it happened that he committed it. Hate speech is driven mainly by the feeling of arrogance and the belief that “I’m better than others.” Upon realizing that, we recall the story of Iblees (Devil) and Adam, when the Devil rejected the command of Allah to prostrate before Adam saying, “I am better than him: You created me from fire and him from clay.” This was the cause of wrath of Allah upon Iblees.
Though some may wrongly think that religion encourages hate speech, the truth is, rather, that it is ignorance of religion that incites such heinous attitudes. Islam in fact combats extremism in any form and calls for moderation which is marked in Islam by adopting the concept of wasatiyyah (the middle position).
It was driven by such understanding that Al-Azhar Al-Sharif and its Grand Imam, Prof. Ahmed al-Tayeb, attempt always to promote such understanding in order to combat hatred and hate speech. In fact, over the past couple of years, many efforts have been made to counter hate speech and promote the language of fraternity, either inside Egypt or worldwide.
Within Egypt, Al-Azhar al-Shairf considered that the basis to combat hatred in the Egyptian society is to enhance citizenship. In 2017, Al-Azhar organized an international conference under the title, “Freedom and Citizenship…Diversity and Integration” which aimed at promoting the concept of citizenship from the religious point of view, to prove that citizenship is not only a political concept, but also a religious value in Islam. However, Al-Azhar did not confine itself into theoretical actions. Rather, it has translated these ideas into practical steps. Perhaps the most prominent step in this regard was the institution of the Egyptian Family House (Ar. Beit al-‘Eila), which was established in 2011 to strengthen the relationship between Al-Azhar Al-Sharif and the Egyptian Coptic Church. It aims to foster the ties between the Muslims and Christians of Egypt, and thus strengthens the Egyptian religious harmony. Over the past years, Egypt’s religious communities represented by Al-Azhar and the Orthodox, Protestant, Catholic, and Anglican denominations—have been working to fulfill the Family House’s mission.
On the international level, Al-Azhar al-Sharif was interested to promote the concept that all mankind are brothers in humanity. To achieve this, a very significant and historical document was signed by both Prof. Ahmad al-Tayyeb, the Grand Imam of Al-Azhar Al-Sharif and Pope Francis, Head of the Catholic Church, on February 4, 2019. The Document aims to enhance dialogue on co-existence of humans globally, strengthen human relations and establish bases for such relations based on mutual respect.
To conclude, hate speech is a defect that threatens security as it implants division and discord among members of the same community. The bases of hate speech are radicalism and extremism, and therefore we find hate speech common among extremist Islamists and the followers of radical political attitudes, such as the right-wind followers. The best to counter hate speech is to spread love and fraternity among humans and teach them that they all are brother. Again, we need to contemplate, ponder and spread the words of God in the Qur’an “O mankind! We created you all from a single man and a single woman, and made you into races and tribes so that you may [get to] know one another. In God’s eyes, the most honored of you are the ones most mindful of Him: God is All-Knowing, All-Aware.”
Waterloo, Canada
Posts: 0
10 months ago
Aug 5, 2023 20:20
Hello Ashraf,
Hello Ashraf, please note that I have changed my WhatsApp number from +1519-729-5703 to +90 505 495 0020. Thank you
grhtg, Argentina
Posts: 0
11 months ago
Jun 19, 2023 22:54
Stock Market

The stock market allows buyers and sellers of securities to meet, interact, and transact. The markets allow for price discovery for shares of corporations and serve as a barometer for the overall economy. Buyers and sellers are assured of a fair price, high degree of liquidity, and transparency as market participants compete in the open market.

The first stock market was the London Stock Exchange which began in a coffeehouse, where traders met to exchange shares, in 1773.

The first stock exchange in the United States began in Philadelphia in 1790.

The Buttonwood Agreement, so named because it was signed under a buttonwood tree, marked the beginning of New York’s Wall Street in 1792. The agreement was signed by 24 traders and was the first American organization of its kind to trade in securities. The traders renamed their venture the New York Stock and Exchange Board in 1817.

A stock market is a regulated and controlled environment. In the United States, the main regulators include the Securities and Exchange Commission (SEC) and the Financial Industry Regulatory Authority (FINRA).
The earliest stock markets issued and dealt in paper-based physical share certificates. Today, stock markets operate electronically.

Though it is called a stock market, other securities, such as exchange-traded funds (ETFs) are also traded in the stock market.

Practice trading with virtual money
Find out what a hypothetical investment would be worth today.

Stock trading Strategy

How the Stock Market Works
Stock markets provide a secure and regulated environment where market participants can transact in shares and other eligible financial instruments with confidence, with zero to low operational risk. Operating under the defined rules as stated by the regulator, the stock markets act as primary markets and secondary markets.

As a primary market, the stock market allows companies to issue and sell their shares to the public for the first time through the process of an initial public offering (IPO). This activity helps companies raise necessary capital from investors.

A company divides itself into several shares and sells some of those shares to the public at a price per share.
To facilitate this process, a company needs a marketplace where these shares can be sold and this is achieved by the stock market. A listed company may also offer new, additional shares through other offerings at a later stage, such as through rights issues or follow-on offerings. They may even buy back or delist their shares.

Investors will own company shares in the expectation that share value will rise or that they will receive dividend payments or both. The stock exchange acts as a facilitator for this capital-raising process and receives a fee for its services from the company and its financial partners.

Using the stock exchanges, investors can also buy and sell securities they already own in what is called the secondary market.

The stock market or exchange maintains various market-level and sector-specific indicators, like the S&P (Standard & Poor’s) 500 index and the Nasdaq 100 index, which provide a measure to track the movement the overall market.
Stock Strategy

Best Stock Strategy

Following an IPO, the stock exchange serves as a trading platform for buying and selling the outstanding shares. This constitutes the secondary market. The stock exchange earns a fee for every trade that occurs on its platform during secondary market activity.
Ashraf Laidi
London, UK
Posts: 0
1 year ago
Feb 6, 2023 12:49
In reply to Alaa1988's post
Dear Alaa,

Sorry for the delay. We have just replied.


deggendorf, Germany
Posts: 0
1 year ago
Feb 6, 2023 7:49
i subscreibed since 6 days and sent many Emails to join your Whatsapp group but i got no respond and i am not getting any SMS .
i dont know what to do !!!
Ashraf Laidi
London, UK
Posts: 0
2 years ago
Nov 23, 2022 14:10
In reply to Ken GK's post
Please chose the 6-mth or 12-mth subscription option for the WhatsApp Broadcast Group in the link below.


Ken GK
Singapore, Singapore
Posts: 0
2 years ago
Jul 21, 2022 19:52
Hi Ashraf, how do I get added to the whatsapp group? i just subscribed
Doha, Qatar
Posts: 0
2 years ago
Apr 8, 2022 2:16
I subscribed to 6 months premium and would like to join the WhatsApp group