3. Prefund life’s big expenses, such as a college education.

4. Pay down your mortgage.

5. Participate in your company’s 401k program if it has one.

6. Sign up for a monthly automatic transfer from your bank account to a mutual fund.

7. Buy a cash-value life insurance policy to force yourself to build up some assets.

8. Take out a bank loan to make an investment.

9. Don’t borrow money to pay for assets that have little or no value.

10. Figure out how much money you need to get from here to there.

Strategy: *Determine how much money you spend each year. *Calculate how much income you’ll need each year-before taxes-to equal this sum. Subtract from total amount you’ll receive each year from social security and retirement funds, since they are virtually guaranteed. *the result will be amount you’ll have to make up in investment income. *compute how much capital invested at 7% is necessary to produce required taxable income.

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Total Amount of shares at end of 1999: 446.04 shares.

Total Amount of shares at end of 2000: 463.82 shares.

Total Amount of shares at end of 2001: 474.47 shares.

Total Amount of shares at end of 2002: 490.23 shares.

Total Amount of shares at end of 2003: 512.60 shares.

Total Amount of shares as of April 1, 2004: 522.23 shares.

On April 1, 2004 Comerica closed at $54.65, for total market value of $28,539.87 for 522.23 shares of stock. To put total $28,539.87 into perspective, an interest rate of 15 percent a year on $3,333.34, compounded annually for fourteen and a quarter years would return $28,282.15.

Since this excerpt from my book Comerica has raised their dividend again, from 52 cents a share per quarter, to current 55 cents a share per quarter, payable to shareholders of record on March 15, 2005.

I own Comerica stock and I have no intention of ever taking a profit! I will continue being a buyer, as long as company continues its program of raising their dividend every year.

However, I also understand that in stock market there are no guarantees! It is for this reason and this reason alone, that diversity is a necessity. If I knew for certain that CMA would continue its program of raising their dividend every year, and that next 14 years would provide better than 15 percent return on my money, I would only own CMA stock. It is because of this ‘risk of no guarantees’ in stock market that rewards for investing in stock market are much higher than a passbook savings account, CD’s or Bonds.

So, to beat ‘risk of no guarantees’, and to reap benefits of a better return, I diversify into other companies with same historical performance. Through a systematic approach of dollar-cost averaging into my stock positions every quarter, along with my quarterly dividend reinvestment, I increase amount of dividends paid to me each quarter, from every company that I own. My measurement for success in stock market is not measured by amount my portfolio is worth. It is measured by amount of ever-increasing cash dividends received from every stock that I own. As a matter of fact, when my portfolio dips in net-worth, my dividend income accelerates. The reason for this is simple. The lower my port- folio’s net-worth, higher dividend yields of stocks in my portfolio.

All my personal holdings in stock market have same basic theme. They are all purchased commission-free, have a long-term history of raising their dividend every year, and are purchased with intent of supplying ever-increasing dividend income for my retirement years. The Stockopoly Plan was written with this purpose or goal in mind. The Plan itself uses a timing approach for purchases of more shares each quarter, along with dividend reinvestments.

For more excerpts from book ‘The Stockopoly Plan – Investing for Retirement’ visit: http://www.thestockopolyplan.com