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Then, copy that formula down for the rest of your stocks. But, as I said, dividends can make a huge contribution to the returns received for a particular stock. Also, you can insert charts and diagrams to understand the distribution of your investment portfolio, and what makes up your overall returns. If you have data on one sheet in Excel that you would like to copy to a different sheet, you can select, copy, and paste the data into a new location. A good place to start would be the Nasdaq Dividend History page. You should keep in mind that certain categories of bonds offer high returns similar to stocks, but these bonds, known as high-yield or junk bonds, also carry higher risk.

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Those challenges call all of us — and in a special way the religions — to greater unity of purpose. Covid put us all in the same boat. All of us felt vulnerable, all of us in need of help, none of us completely independent, none completely self-sufficient.

Presently however, we are challenged not to squander the powerful sense of solidarity that we experienced by pressing on as if nothing happened, without acknowledging that we must confront together urgent needs that concern us all. The religions must not be indifferent to this: they are called to be present on the front lines, as promoters of unity amid the grave challenges that risk dividing our human family even further.

Specifically, it is up to us, who believe in the Divine, to help our brothers and sisters at the present time not to forget our vulnerability. Not to fall into illusions of omnipotence fostered by a technological and economic progress that is of itself insufficient. Not to let ourselves be entangled in the web of profits and earnings, as if they were the solution to every evil.

Not to back an unsustainable development that fails to respect the limits imposed by creation. Not to let ourselves be taken in by the superficial allure of consumerism, since material goods are for man and not man for material goods. In a word, the sense of shared vulnerability that emerged during the pandemic should motivate us to move forward, not as we did before, but now with greater humility and foresight.

In addition to reminding us of our vulnerability and our responsibility, believers in a post-pandemic world are called to care: to care for humanity in all its aspects by becoming artisans of communion, witnesses of a cooperation that transcends the confines of our community, ethnic, national and religious affiliations. How do we embark upon so demanding a mission? Where do we begin? We begin by listening to the poor, by giving a voice to the voiceless, by bearing witness to a global solidarity concerned above all for them, the poor and the needy, who suffered most from the pandemic, which so forcefully brought out the injustice of global inequalities and imbalances.

How many people, even today, lack ready access to vaccines! Let us be on their side, not on the side of those who have more and give less. Let us become prophetic and courageous voices of conscience. Let us show ourselves neighbours to all, but especially to those most neglected in our time: the disinherited, the poor and the helpless, and those who suffer in silence and general disregard.

What I propose is not only a path to greater attentiveness and solidarity, but also a path to healing for our societies. For poverty is precisely what enables the spread of epidemics and other great evils that flourish on the terrain of poverty and inequality.

Poverty continues to be the major factor of risk in our day. As long as inequality and injustice continue to proliferate, there will be no end to viruses even worse than Covid: the viruses of hatred, violence and terrorism. This brings us to the second global challenge, one that has a special claim on believers: the challenge of peace. In recent decades, dialogue among religious leaders has dealt primarily with this question.

Yet, we look around us and see our time still plagued by the scourge of war, by a climate of hostility and confrontation, by an inability to step back and hold out a hand to the other. Brothers and sisters, a leap forward is required, and it needs to come from us. If the Creator, to whom we have devoted our lives, is the author of human life, how can we, who call ourselves believers, consent to the destruction of that life?

And how can we imagine that the men and women of our time, many of whom live as if God did not exist, can be inspired to engage in respectful and responsible dialogue if the great religions, which are the soul of so many cultures and traditions, are not themselves actively committed to peace? Mindful of the wrongs and errors of the past, let us unite our efforts to ensure that the Almighty will never again be held hostage to the human thirst for power.

Words Dear brothers and sisters, each and every one of us needs to be purified of evil. So, brothers and sisters, let us purify ourselves of the presumption of feeling self-righteous, with no need to learn anything from anyone. Let us free ourselves of those reductive and destructive notions that offend the name of God by harshness, extremism and forms of fundamentalism, and profane it through hatred, fanaticism, and terrorism, disfiguring the image of man as well.

May we never justify violence. May we never allow the sacred to be exploited by the profane. The sacred must never be a prop for power, nor power a prop for the sacred! God is peace. He guides us always in the way of peace, never that of war. Let us commit ourselves, then, even more to insisting on the need for resolving conflicts not by the inconclusive means of power, with arms and threats, but by the only means blessed by heaven and worthy of man: encounter, dialogue and patient negotiations, which make progress especially when they take into consideration the young and future generations.

For the young embody the hope that peace will come about, not as the fragile outcome of painstaking negotiations, but as the fruit of persevering commitment to an education that can support their aspirations for development and a serene future. Let us invest, I beg you, in this: not in more weapons, but in education! In addition to the challenges of the pandemic and of peace, let us now turn to a third challenge, that of fraternal acceptance.

Today we find it hard to accept the human being. Each day children, born and unborn, migrants and elderly persons, are cast aside, discarded. There exists a throwaway culture. Many of our brothers and sisters die sacrificed on the altar of profit, amid clouds of the sacrilegious incense of indifference. Yet every human being is sacred. It is above all our task, the task of the religions, to remind the world of this.

Now, as never before, we are witnessing massive displacements of peoples due to war, poverty, climate change and the pursuit of a prosperity that our globalized world advertises, yet is often difficult to attain. A great exodus is taking place, as people from the most poverty-stricken areas of our world struggle to reach those that are more prosperous. We see this every day, in different migration movements in our world. This is not just another item on the daily news; it is an historic event demanding concordant and farsighted solutions.

To be sure, we instinctively defend our own hard-won securities and close our doors out of fear; it is easier to suspect strangers, to accuse them and condemn them, than it is to get to know and understand them. Yet it is our duty to be mindful that the Creator, who watches over each of his creatures, exhorts us to regard others as he does, and in them to see the face of a brother or a sister.

Our migrant brothers and sisters need to be accepted, accompanied, promoted and integrated. With inverse ETFs, though, you need to heed a whole set of risk factors. Healthcare stocks offer a modest defensive position for investors who are concerned about short-term volatility. If you wanted to create a weather-the-storm kind of portfolio with the above funds, I would suggest 60 percent in the bond fund, 20 percent in gold, 10 percent in the inverse stock fund and 10 percent in the healthcare ETF.

This low-risk portfolio has long been a favorite of nervous nellies. Designed for inflation-obsessed investors, it features a 35 percent stake in U. Treasury bonds, 25 percent in gold and silver; 10 percent in Swiss Franc assets; 15 percent in U. More than half of the portfolio is geared to protect you against dollar devaluation and stock declines and a commodity inflation hedge through real estate and natural resources stocks.

Over the past year, the Schwab fund is up 15 percent through Oct. The biggest downside with a conservative strategy is opportunity risk.

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