Speaker: … popular belief you shouldn't get out of stocks and bonds.

Denise: The Dividend Machine has enabled me to continue staying in stocks. I am currently 69% in stocks from my total portfolio, which is uncharacteristic for a woman my age. They would normally have me in mutual funds and corporate bonds and so forth. The stocks have provided very well in reference to dividends and the growth of my portfolio and I want to continue staying at a higher level than what would be the norm for someone my age.

Speaker: If you can touch on too, I think, what Christian mentioned is a lot of people, if you can even say you know what the rule of thumb is or advisors tell you to really go into bonds which is not a good idea really for most people and they don’t realize there is a massive bond bubble out there that could destroy them.

Denise: Right. My portfolio currently runs about 69% stocks and 20 or 30% corporate bonds and some mutual funds as well, but I have concerns because in the bond market, depending on the interest rates, you can lose a lot of money and stocks if they’re good sound stocks, which he definitely ah excuse me

Speaker: I beg your pardon.

Denise: I’ve lost it. Can we start all over again?

Speaker: Yes.

Denise: My brain went, I had a brain fart.

Speaker: (Laugh) no problem at all. I think the concepts here is that you know I think there’s a lot of people watching and they’re taking traditional advice. They say well okay I’m 65 or I’m 70 and my advisors tell me I should just switch over to bonds so, I’m just going to make that switch.

Denise: Oh okay, right.

Speaker: And I think what you want to do is I'm going to start out by saying you know conventional wisdom is that you should go almost all to bonds or annuities, CDs, mutual funds and that’s a major mistake or something along those lines.

Denise: Okay. I just have to

Speaker: There’s a fly on you

Denise: Oh okay.

Speaker: Now he’s over here.

Denise: Well, he likes my cologne I guess. Conventional investings have you in bonds, mutual funds and CDs. I am not a conventional investor. I believe, just like Bill Spetrino does, that stocks, sound stocks with dividends will enable me to continue the growth and I have seen it where other people, other individuals have money in bonds and it’s not growing compared to what my stocks have done and the dividends that I have received from them.

Speaker: All right, perfect. I think that’s a great way to phrase it because you do get worried about being that poor little old lady that’s dependent on everybody else.

Denise: My biggest concern was being a poor little old lady. I have many friends who are and I needed guidance as for as investing and Bill Spetrino’s Dividend Machine has helped me tremendously to make sure that I will not be a poor little old lady and will have a legacy to give my daughter and granddaughter.

Speaker: Perfect. The second one is, and it’s something that you touched on, and the last gentleman last night mentioned it and I wish we would have asked this question of everybody before that, but you’re going to get to answer this. A lot of people are told that at a certain age you’ve got to get out of stocks completely and get into bonds.

Denise: Ah, let me guess.

Speaker: Alright so let’s go talk about a your experience, you know, you have a lot of friends that are widowed and even just to talk about them and talk to people that might be watching right now who are also widowed.

Denise: Since I have friends who have had husbands who have passed away they’re widows, I have a diverse group of women who I associate and good friends with that either are broke or who have received life insurance policies and they put them in a money market account and their afraid of doing anything with the money. They are just stymied and I see that they are not going to go, they’re going to lose money and I’m always trying to talk to them about putting at least a small portion or a portion of those funds into investments. Be conservative, but if they’ll go the steady pace they actually can earn money and build a portfolio.

Speaker: Have you told any of your friends about the Dividend Machine and if so what did they say?

Denise: Yes. Denise: I bring them the newsletter even that I print out that I get and say look, this is a great newsletter. You need to read it. Read it for 6 months. Take a chance. Go in slowly. You do not have to break the bank trying to invest, just make small inroads.

Speaker: Alright, perfect. Have you had, I mean I know you’re more of a conservative investor. Have you had any like specific gains that you like to share not like I bought Utra and I made this much, just say like in one stock I made this much and another stock I made that much or maybe your overall portfolio.

Denise: My overall portfolio in the last 3 years running around at 13% increase over the progression. Yes, I’ve added to Philip Morris and Ultra, but I have other stocks across the board that go from pharmaceutical to, for instance, Honeywell. Stocks that I have because of the Dividend Machine I have been more proactive and looking on you know reading up and trying to make wise decisions, but again I tend to be the smaller investor. I have a lot of a 100, 200, 250 share quantities.

Speaker: Speaking of this, there’s a lot of people that are watching this video that probably think you know what I’m not I don’t have a ton of money. It’s just not working for me. What would you say to those people who might be small investors watching this right now?

Denise: I say that you do not have to have a lot of money. If you cannot buy a 100 shares buy 50 shares. Keep adding, but doing nothing is going to make you go backwards financially. You have to continue to add. You also have to be patient and ride the rise and fall of the market. You cannot panic and sell it low. You just stay in there for the long haul. If it’s good quality stocks you will do well and receiving the dividends, if you look at what you earn in dividends over the course of a year it’s nice.

Speaker: The dividends are a big part of this and even if you would, and it might sound repetitive, but talk about that some more like, you know, how is it nice? What kind of comfort does it give you?

Denise: Well in my case the dividends, what I make in dividends help pay for my granddaughter’s college. That’s exactly it. I don’t feel I’m having to take from my core growth; the dividends are literally paying for her college so she’ll leave college without student loans and if I can give that legacy that’s all that matters.

Speaker: That’s really key and that’s powerful right there just that statement alone. I mean has the, because the Dividend Machine it’s helped put your daughter through college has allowed you to do other things as well like I know a couple talking to, like one guy literally said it pays for all my living expenses and another guy said look it gives me freedom to do what I want, to play golf, to do this and stuff like that.

Denise: The Dividend Machine what I’m using it for is to hopefully have something on when I’m no longer here to give my daughter and granddaughter to help their future. It’s like I’ve told my daughter when I pass if you keep those stocks or the greater portion of them, you will have a future.

Speaker: Absolutely. I'm just scanning through some of these questions. Maybe describe, and I think you’ve touched on this a little bit, but talk about how you kind of had a financial burden on you and like okay now I got to control of finances, talk about what you felt like before having the Dividend Machine versus where you’re at now.

Denise: Alright just a brief, from the time we retired in 2007 to when my husband passed in 2010, the portfolio took a humongous drop due to medical expenses, home repair expenses and a couple of real stupid purchases like a fifth wheel. After I sat down and really looked at where I was after his death and looked at where we were, it made me realize I had to do something to try to pull it back up to where I had a comfort zone and by that I’m saying it just, there was enough there for long term and I wasn’t worrying, I don’t want to have to worry about volume declining. I like seeing growth and like I said the Dividend Machine just in its core philosophy of dividends, strong stock, and long term help me make better decisions and see my portfolio grow.

Speaker: So, talk a little bit about how the Dividend Machines works because a lot of people watching this don’t really get the concept of even getting a news letter or following a portfolio and walk us through it a little bit like, you know, what is the like opening up the Dividend Machine and just reading it and looking at a portfolio stuff like that and maybe even getting the weekly updates, the podcasts and things like that.

Denise: I listen to the podcasts. They’re very interesting. A lot of times, for instance, I'll take and this is a true example, he always talks about Apple. I fully agree, but I never had enough ready cash to buy Apple. It’s not that I wouldn’t, but I’m amongst smaller investors, but when he talks about Philip Morris, Ultra, some of the other investments that I have Nuance, I finally said okay I’m going to buy a 100 shares to Nuance. I added more to my portfolio for Ultra and as well as Philip Morris and a few others. His suggestions, and I tend to ride on the conservative side, I tend to add to keep increasing, which also increases the dividends and the overall portfolio in the long run. Stocks do go up, they will go down, but they do go back up.

Speaker: In fact, going down is kind of like a blessing sometimes.

Denise: Yes, because that’s when you buy. I adhere to buy when low and just keep riding. I will say for most people I tend to watch the stocks daily, that’s just me. I’ll go in, look at them, and go okay, walk back out but never think twice about it because the whole purpose of this is growth.

Speaker: No I agree. Tell me what the newsletter some. Do you enjoy reading it?

Denise: Yes.

Speaker: Do that in a complete sentence if you could just say I enjoy reading

Denise: Oh, I’m sorry. I thoroughly enjoy reading the newsletter. I enjoy the fact that he discusses the good investments as well as, a couple of times he’s had some that didn’t work out so well, but at least he acknowledges it. It’s not always a full win win.

Speaker: Yeah, I remember Radio Shack. He __________ and said I messed up.

Denise: Yes and I bought it and I cut my losses before he told me to cut my losses.

Speaker: Right, but it’s nice to see because of guys out there won’t do that, they won’t come back and say you know what I was wrong. It’s like he said look I was wrong, I made a mistake. That was definitely nice to see. What about for the price. Do you feel like you get a lot of value for it, like for $100?

Denise: To me, the price it is more than, what I gain in his due diligence and recommendations has far exceeded whatever I would have to pay for that newsletter.

Speaker: What about, we’re going to do a couple of statements like, and I’m going to throw out like basically I’m going to have you start a statement and let you finish it so start by saying without the Dividend Machine and then finish it.

Denise: Without the Dividend Machine I would not have made the choices I have currently made in my investments and it has given me the empowerment to take command of my accounts.

Speaker: Alright, perfect. Would you mind even saying that one more time again because I think it was a really powerful statement.

Denise: (laughter)

Speaker: Without the Dividend Machine I wouldn’t have made the choices I made and it’s allowed me to take command of my accounts, you know taking that command I think was really powerful.

Denise: Without the Dividend Machine I would not have made the choices to build my portfolio and take command of my account in being positive about those decisions.

Speaker: Alright perfect. So let’s do this again and say it’s a little bit of the same and say thanks to the Dividend Machine I have and even if it sounds the same just go for it so, thanks to the Dividend Machine I have and answer that.

Denise: Am I going back to, excuse me but am I doing the same general statement again?

Speaker: Whatever you feel like saying….

Denise: Okay. Thanks to the Dividend Machine he’s given me the empowerment to make wise decisions that have helped the overall growth of my portfolio and for me to be able to be confident in where I stand in my investments.

Speaker: Perfect. What do you like most about the Dividend Machine?

Denise: I thoroughly enjoy his weekly newsletters online. It gives me a good building block to continue the steady pace and not to get rattled.

Speaker: I like that statement and let’s kind of say it again because a lot of people they don’t realize that there’s weekly updates and that’s something we didn’t have in the beginning when we added but a year into it and I think it’s helped a lot of people with just between the monthly issues you don’t feel like you’re alone or hanging out.

Denise: Correct.

Speaker: so, talk about maybe just phrasing it in such a way like, you know, every Tuesday Bill sends a weekly update.

Denise: I don’t pay attention to what day it is I just …..

Speaker: I think its Tuesday. I’m pretty confident.

Denise: Every Tuesday that I receive the weekly updates, it helps build the confidence I need to stay the steady pace, to hang in during the rise of stocks as well as when they dip and to take advantage of those low points to buy and add to my portfolio.

Speaker: Okay, perfect. A lot of people might think that, and this kind of goes back to your widowed friends, but a lot of people don’t sign up because we get these e-mails that say I don’t want to sign up because like feel like I’m too old for this newsletter. It’s too late in my life to get started. What would you say to those people?

Denise: You can never be too late, that’s number 1 and if you adhere to his guidelines you should not lose money. You still have to take a leap of faith. There are no guarantees in life, but you’re not going to gain any money with money sitting in a money market. You have got to be proactive with your money. You have to make it work for you and the only way I can do that is reading, keeping up with his suggestions, working with my agents, doing a tiering system, and have a good balance in my overall portfolio.

Speaker: Perfect and then you see a lot of people don’t think they are smart enough to invest in the newsletter. What would you have to say to them and start by saying like if you think you’re not smart enough to invest …

Denise: If you think you’re not smart enough to invest then you need to continue to read, listen and track what’s going on. I would recommend for anyone who is leery to join the newsletter and track it for 6 months at least before you step in and start investing. You will see the track record. Spetrino has very good recommendations, but you go in slowly.

Speaker: Talk a little bit about the track record, you know, the portfolio a little bit and I don’t know just see if anything comes and we'll just talk about it.

Denise: As far as his suggestions, the stocks have been steady, they’ve risen, they’ve improved over the course of a little over 3½ years that I’ve been with him and the dividend side of it has been very beneficial. I feel that as far as I’m concerned I will stay with him for years to come. I intend to do this until I’m no longer here.

Speaker: Let’s talk about that again. Say literally, it’s a powerful statement I think to say you know as far as the Dividend Machine subscriber I’m going to subscribe to this newsletter for the rest of my life. If you could say something along those lines that would be great I think.

Denise: As far as the Dividend Machine, I will subscribe as long as I am capable of sound mind to invest and handle my financial affairs. It has been a very good, call it’s a stool. He is one leg of that stool that I definitely need to help keep me on the steady pace.

Speaker: Alright, perfect. If there’s one thing that you would like to tell Bill as far as like a thank you, what would you say to him like Bill I just want to thank you for

Denise: Bill, I would like to thank you for helping me be a better investor, to giving me the confidence to make decisions, to disagree with my broker, and to say no this is wrong and I chose to do this. He’s helped me tremendously to take control of my financial world.

Speaker: Perfect and can we just say something along the lines of my name is and I am a Dividend Machine subscriber. A lot of people would say you know my name is Aaron DeHogg and I’m just happy, I’m thrilled to be a Dividend Machine subscriber and if you could actually do it looking into this camera

Denise: Oh okay. My name is Denise Brockmeyer and I’m extremely blessed to be a member of the Dividend Machine and having Bill Spetrino help me through the process of investing.

Speaker: One more time and when you’re done kind of keep looking

Denise: Okay. My name is Denise Brockmeyer and I am happy to be a member of the Dividend Machine and having Bill Spetrino help me through this world of investment and being a success.

Man2: One more time but just really short now.

Speaker: You said blessed the first time, I like that word when you said it. You know my name is

Denise: Oh okay.

Speaker 2: I think just stop after I’m blessed to be a Dividend Machine subscriber.

Denise: Oh okay.

Speaker 2: Just that short sentence.

Denise: Okay. My name is Denise Brockmeyer and I’m blessed to be a subscriber to the Dividend Machine.

Speaker: The other thing is to remember we can take a million cuts. We're really rolling like the whole time.

Denise: Oh okay.

Speaker 3: So, if you feel like you’re coming up on a hiccup in your thought just keep rolling with it.

Denise: Oh okay. Thank you.

Speaker: Alright we’re going to go ahead and just start with some basic questions about you and your background and then we’re going to talk about investing so, let me just start out with what’s your name and what year were you born.

Denise: My name is Denise Brockmeyer. I was born in 1950.

Speaker: Okay great. I think what we’re going to do is just look at me and don’t' look at the cameras at all. Look straight at me.

Denise: Oh okay.

Speaker: What did you do for a living?

Denise: I spent 34 years working in education finance department with a large school district and then 5 years with a coal company in Philadelphia.

Speaker: Okay great. So, you spent a lot of time working. I’m just curious you have children, married?

Denise: I have one daughter who is an academic dean for a high school and a granddaughter who will be graduating this December from Texas Tech.

Speaker: Oh okay and so tell me a little about your investment journey. When did you start investing in the stock market?

Denise: My investment started with my husband. When we moved the 401(k) when he retired in ’07 he started placing money in stocks as well as mutual funds and tiering in bonds. In 2010, he passed away and for about 6 months I really did not actively start watching what was going on. I knew I needed to become an active player as for as investing and taking an active part in my investments.

Speaker: Okay great. I'm sorry about your loss. Your husband passed away 2010 so at that point it’s like you really had to kind of take over your investments?

Denise: Correct. I needed to be active. I’m a firm believer you have to be proactive and not dormant when it comes to investments.

Speaker: I agree as well so, before then was most finances, it sounded like they were mostly handled by your husband?

Denise: Correct. We almost had a division of labor. He handled the investments and I handled the everyday finances.

Speaker: Okay. So, in 2010 you took over. Tell me a little bit of what you felt like because you kind of took on this, you know, sense of burden but it’s a big financial responsibility.

Denise: I did have an agent who I thought highly of, but I tend to be one who does not, I do not like to rely on one individual in making my financial decisions so I really felt like I had to become more educated and have a better baseline and through the Newsmax I stumbled on the Dividend Machine and it tended to correlate to some of my existing investments and that’s the reason I decided to enroll into the program and the newsletter and just try it for a year to see if it would work for me.

Speaker: Then just keep on going. Tell me how that worked out for you.

Denise: What it did is it gave me a better baseline so that when I would call my agent and we would sit together he and I had a better two-way conversation of what I felt was in my best interest and I would, he and I could agree or disagree and sometimes we would come to a happy compromise, but the Dividend Machine gave me the backbone to be able to be more active in my own personal finances.

Speaker: That’s very important. I guess too from even the educational standpoint how did you feel like, I mean being somewhat of a novice investor how did you feel that the Dividend Machine helped you?

Denise: I may not be a large player, but I can be more of a, I call it a tortoise, I kept pursuing. I don’t necessarily have to be buying large quantities of stock. I buy a 100 shares, 50 shares, keep on the program of adding to existing portfolios plus investing in some of his that he has recommended that would possibly, in the long term, give me a decent game. I am more of a long-term investor; I don’t like to sell.

Speaker: Good.