Great question, and I think RAIDERS has done a great job in breaking it down..
Personally, for my dividend strategy, I only use mutual fund or ETFs. They pay a decent dividend, and the companies in the ETF have a history of paying and increasing their dividends. This is a key point, and RAIDERS mentioned it, too, but you really gotta be careful if you go the stock route. You could be tempted to invest in a company w a juicy dividend, only to find that it is unsustainable, and the dividend gets cut. That's when a stock can go down 20% or more in a single day !! Be careful if you go the stock route. You really have to do your due diligence
Personally , I'd stick with ETFs, with low fees, and I do.. . VYM has a really low expense fee at 0.06% expense fee too, so does SCHD.
I really like VYM...
1
@dubz4dummyz
Great question, and I think RAIDERS has done a great job in breaking it down..
Personally, for my dividend strategy, I only use mutual fund or ETFs. They pay a decent dividend, and the companies in the ETF have a history of paying and increasing their dividends. This is a key point, and RAIDERS mentioned it, too, but you really gotta be careful if you go the stock route. You could be tempted to invest in a company w a juicy dividend, only to find that it is unsustainable, and the dividend gets cut. That's when a stock can go down 20% or more in a single day !! Be careful if you go the stock route. You really have to do your due diligence
Personally , I'd stick with ETFs, with low fees, and I do.. . VYM has a really low expense fee at 0.06% expense fee too, so does SCHD.
@Raiders22 @Rush51 @steponaduck thoughts on ETFs vs individual stocks? ( in regards to dividends) Does it matter which way you go just as long as you are diversified?
very few...i mean very very few can beat the dow or s&p 500...stock pickers come and go like sportsbetting pick makers...some are good, some are bad...but the tried and true method long term is ETF's/mutual funds surrounding the Dow and S&P500...
I have personally chosen covered call/spread call strategy income ETF's myself, as they can be less volatile and it is very motivating to see your dividend payments hit monthly. I also have a plethora of solid company "Preferred stocks" which have excellent dividend payouts and guaranteed paybacks once called away by the company when they choose to redeem the shared back.
just added some more Wells Fargo Preferred Series AA and some AG MORTGAGE Preferred Series A.
Until the wallet is full.
0
Quote Originally Posted by dubz4dummyz:
@Raiders22 @Rush51 @steponaduck thoughts on ETFs vs individual stocks? ( in regards to dividends) Does it matter which way you go just as long as you are diversified?
very few...i mean very very few can beat the dow or s&p 500...stock pickers come and go like sportsbetting pick makers...some are good, some are bad...but the tried and true method long term is ETF's/mutual funds surrounding the Dow and S&P500...
I have personally chosen covered call/spread call strategy income ETF's myself, as they can be less volatile and it is very motivating to see your dividend payments hit monthly. I also have a plethora of solid company "Preferred stocks" which have excellent dividend payouts and guaranteed paybacks once called away by the company when they choose to redeem the shared back.
just added some more Wells Fargo Preferred Series AA and some AG MORTGAGE Preferred Series A.
UPDATE TO THE DIVIDENT PORTFOLIO AS WE ARE CLOSING OUT 2023
DIVIDEND ETFS:
JEPI- 300 SHARES
JEPQ - 272 SHARES
QYLD- 868 SHARES
SCHD - 37 SHARES
DIVO - 64 SHARES
VYM - 18 SHARES
*Added: SPYI - 39 SHARES
PREFFERED STOCK HOLDINGS:
ET PREFERRED SERIES C,D,E - 775 COMBINED SHARES
ET COMMON STOCK: 1200 SHARES
WELLS FARGO PREFERRED - 178 SHARES
AG MORTGAGE PREFERRED- 86 SHARES
COMPASS DIVERSIFIED PREFERRED - 44 SHARES
DIGITAL REALTY PREFERRED - 18 SHARE
OTHER:
VARIOUS BANK CDS OFFERED THROUGH THE BROKERAGE ACCOUNT PAYING BETWEEN 5.1-5.65% APY FIXED
**I KEEP ADDING TO THESE POSITIONS MONTHLY, BUT IF I ADD NOTHING, MY 2024 ESTIMATED DIVIDEND/INTEREST INCOME IS $8104 FOR THE YEAR 2024. MANY OF THESE PREFERRED OFFERINGS ARE A GREAT WAY TO PROTECT YOUR CAPITAL WHILE COLLECTING A HUGE DIVIDEND, AND YOU ARE PROVIDED PROTECTION BECAUSE THESE COMPANIES HAVE TO REDEEM PREFERRED STOCK AT THE PAR VALUE PRICE OF $25.00, SO IN THE CASE OF WELLS FARGO PREFERRED AND AG MORTGAGE PREFERRED YOU ARE GETTING A 20% REDUCTION IN SALE PRICE KNOWING THAT THEY HAVE TO PAY YOU $25 PER SHARE WHEN THEY ARE REDEEMED. I WILL CONTINUE TO INVEST IN THESE PREFERRED OFFERINGS IN 2024.
I HAVE A GOAL FOR 2025 TO GET MY DIVIDEND/INTEREST INCOME RECEIVED ABOVE $10,000 ANNUALLY BEFORE END OF YEAR. ILL NEED TO SAVE ABOUT $30,000 IN ORDER TO DO SO...
MERRY CHRISTMAS EVERYONE.
Until the wallet is full.
2
UPDATE TO THE DIVIDENT PORTFOLIO AS WE ARE CLOSING OUT 2023
DIVIDEND ETFS:
JEPI- 300 SHARES
JEPQ - 272 SHARES
QYLD- 868 SHARES
SCHD - 37 SHARES
DIVO - 64 SHARES
VYM - 18 SHARES
*Added: SPYI - 39 SHARES
PREFFERED STOCK HOLDINGS:
ET PREFERRED SERIES C,D,E - 775 COMBINED SHARES
ET COMMON STOCK: 1200 SHARES
WELLS FARGO PREFERRED - 178 SHARES
AG MORTGAGE PREFERRED- 86 SHARES
COMPASS DIVERSIFIED PREFERRED - 44 SHARES
DIGITAL REALTY PREFERRED - 18 SHARE
OTHER:
VARIOUS BANK CDS OFFERED THROUGH THE BROKERAGE ACCOUNT PAYING BETWEEN 5.1-5.65% APY FIXED
**I KEEP ADDING TO THESE POSITIONS MONTHLY, BUT IF I ADD NOTHING, MY 2024 ESTIMATED DIVIDEND/INTEREST INCOME IS $8104 FOR THE YEAR 2024. MANY OF THESE PREFERRED OFFERINGS ARE A GREAT WAY TO PROTECT YOUR CAPITAL WHILE COLLECTING A HUGE DIVIDEND, AND YOU ARE PROVIDED PROTECTION BECAUSE THESE COMPANIES HAVE TO REDEEM PREFERRED STOCK AT THE PAR VALUE PRICE OF $25.00, SO IN THE CASE OF WELLS FARGO PREFERRED AND AG MORTGAGE PREFERRED YOU ARE GETTING A 20% REDUCTION IN SALE PRICE KNOWING THAT THEY HAVE TO PAY YOU $25 PER SHARE WHEN THEY ARE REDEEMED. I WILL CONTINUE TO INVEST IN THESE PREFERRED OFFERINGS IN 2024.
I HAVE A GOAL FOR 2025 TO GET MY DIVIDEND/INTEREST INCOME RECEIVED ABOVE $10,000 ANNUALLY BEFORE END OF YEAR. ILL NEED TO SAVE ABOUT $30,000 IN ORDER TO DO SO...
Thanks for sharing all that you're doing with this. I'm going to take a look at some of your other ETFs besides VYM in greater detail. VYM ( and its Vanguard mutual-fund counterpart) comprises all of my "large cap value" bucket. I've held it, added to it, ever since the Financial crisis, and may want to " add "" another ETF into the mix " for this bucket." I did a cursory review of SCHD earlier, and noted its rated quite high by Morningstar, but not quite as tax- efficient as VYM. I like that the portfolio composition is a bit different from VYM, too.. Not going to exclude it just yet...
Hope everyone has a Merry Christmas !
0
@steponaduck
Thanks for sharing all that you're doing with this. I'm going to take a look at some of your other ETFs besides VYM in greater detail. VYM ( and its Vanguard mutual-fund counterpart) comprises all of my "large cap value" bucket. I've held it, added to it, ever since the Financial crisis, and may want to " add "" another ETF into the mix " for this bucket." I did a cursory review of SCHD earlier, and noted its rated quite high by Morningstar, but not quite as tax- efficient as VYM. I like that the portfolio composition is a bit different from VYM, too.. Not going to exclude it just yet...
sorry guys i shoulda been a little more specific...i was regarding going long on dividend stocks that are considered on the "safe" side
theoretically no 1 individual company is safe from a down-fall....but in reality the chances of those stocks collapsing individually is rare...so if they do collapse the chances are there is a bigger problem market-wide than that 1 company/stock
i think the term is blue-chip stocks?
your Nike, Mcdonalds, Walmart, Amazon, Microsoft, Apple, JP Morgan bank....are these companies going anywhere in my investment lifetime?? (the next 40 years)
Company A= $100 per share, $1 dividend per share quarterly
if you own 100 shares you will receive $400 in dividends yearly
so if you plan to own Company A for 10-30+ years the daily fluctuation doesnt really matter as your position is long
ETF A= $100 per share, $1 dividend per share quarterly minus fees
if you own 100 shares you will receive $400 in dividends yearly minus approx 5-10% in fees?
I guess in a sense paying the fee gives you some added insurance/insulation as the ETF has a much smaller chance of collapsing versus an individual company/stock? is that basically it?
0
@Rush5 @Raiders22 @steponaduck
sorry guys i shoulda been a little more specific...i was regarding going long on dividend stocks that are considered on the "safe" side
theoretically no 1 individual company is safe from a down-fall....but in reality the chances of those stocks collapsing individually is rare...so if they do collapse the chances are there is a bigger problem market-wide than that 1 company/stock
i think the term is blue-chip stocks?
your Nike, Mcdonalds, Walmart, Amazon, Microsoft, Apple, JP Morgan bank....are these companies going anywhere in my investment lifetime?? (the next 40 years)
Company A= $100 per share, $1 dividend per share quarterly
if you own 100 shares you will receive $400 in dividends yearly
so if you plan to own Company A for 10-30+ years the daily fluctuation doesnt really matter as your position is long
ETF A= $100 per share, $1 dividend per share quarterly minus fees
if you own 100 shares you will receive $400 in dividends yearly minus approx 5-10% in fees?
I guess in a sense paying the fee gives you some added insurance/insulation as the ETF has a much smaller chance of collapsing versus an individual company/stock? is that basically it?
There are many strategies that people use. But the advantages of the ETF is someone else does the due diligence for you. The disadvantage is the fees for them.
But if you do your own research and are doing it outside of a 401k or IRA type of investment tool then you can absolutely just pick your own stocks to do.
The obvious thing is that you want a reliable stock that pays out a good dividend that has a good yield and increase it at a decent rate.
That is why so many people invest in the 'Dividend Aristocrats' stocks.
When you have a stock that has increased its dividend for 25 straight years, that is a good reliable stock.
But there are some other stocks that are growing but pay better dividends with better yields.
So, if you are young it could be a good idea to have a good mix. That is if you have the time to do your own research.
I will post a couple of overview links and maybe they can help or they can at least lead you to more information.
But I know folks that have their entire retirement investments in these dividends-paying stocks.
There are many strategies that people use. But the advantages of the ETF is someone else does the due diligence for you. The disadvantage is the fees for them.
But if you do your own research and are doing it outside of a 401k or IRA type of investment tool then you can absolutely just pick your own stocks to do.
The obvious thing is that you want a reliable stock that pays out a good dividend that has a good yield and increase it at a decent rate.
That is why so many people invest in the 'Dividend Aristocrats' stocks.
When you have a stock that has increased its dividend for 25 straight years, that is a good reliable stock.
But there are some other stocks that are growing but pay better dividends with better yields.
So, if you are young it could be a good idea to have a good mix. That is if you have the time to do your own research.
I will post a couple of overview links and maybe they can help or they can at least lead you to more information.
But I know folks that have their entire retirement investments in these dividends-paying stocks.
I meant to add one thing. These are very good stocks to reinvest the dividends as you build your portfolio. If you are young and do not need to take the dividends out, then reinvesting helps to build your nestegg that much faster.
0
@dubz4dummyz
I meant to add one thing. These are very good stocks to reinvest the dividends as you build your portfolio. If you are young and do not need to take the dividends out, then reinvesting helps to build your nestegg that much faster.
@Rush5 @Raiders22 @steponaduck sorry guys i shoulda been a little more specific...i was regarding going long on dividend stocks that are considered on the "safe" side theoretically no 1 individual company is safe from a down-fall....but in reality the chances of those stocks collapsing individually is rare...so if they do collapse the chances are there is a bigger problem market-wide than that 1 company/stock i think the term is blue-chip stocks? your Nike, Mcdonalds, Walmart, Amazon, Microsoft, Apple, JP Morgan bank....are these companies going anywhere in my investment lifetime?? (the next 40 years) Company A= $100 per share, $1 dividend per share quarterly if you own 100 shares you will receive $400 in dividends yearly so if you plan to own Company A for 10-30+ years the daily fluctuation doesnt really matter as your position is long ETF A= $100 per share, $1 dividend per share quarterly minus fees if you own 100 shares you will receive $400 in dividends yearly minus approx 5-10% in fees? I guess in a sense paying the fee gives you some added insurance/insulation as the ETF has a much smaller chance of collapsing versus an individual company/stock? is that basically it?
Bingo !! This is precisely it.
For retirees that depend entirely on that dividend " income " , ( as opposed to someone younger that may " reinvest" those dividends), it is a risky proposition IMHO. Consider a blue chip name like AT&T, as an example. It's stock performance over the past 25 years is a staggering loss of more than 50%. Its dividend has been shredded due to company missteps, and a deteriorating business. Someone who had this stock in their dividend income strategy suffered.
An ETF will help avoid this meltdown you own dozens of companies. Pay the ETF to do the work for you.. Expense ratios, management fees are generally low...
0
Quote Originally Posted by dubz4dummyz:
@Rush5 @Raiders22 @steponaduck sorry guys i shoulda been a little more specific...i was regarding going long on dividend stocks that are considered on the "safe" side theoretically no 1 individual company is safe from a down-fall....but in reality the chances of those stocks collapsing individually is rare...so if they do collapse the chances are there is a bigger problem market-wide than that 1 company/stock i think the term is blue-chip stocks? your Nike, Mcdonalds, Walmart, Amazon, Microsoft, Apple, JP Morgan bank....are these companies going anywhere in my investment lifetime?? (the next 40 years) Company A= $100 per share, $1 dividend per share quarterly if you own 100 shares you will receive $400 in dividends yearly so if you plan to own Company A for 10-30+ years the daily fluctuation doesnt really matter as your position is long ETF A= $100 per share, $1 dividend per share quarterly minus fees if you own 100 shares you will receive $400 in dividends yearly minus approx 5-10% in fees? I guess in a sense paying the fee gives you some added insurance/insulation as the ETF has a much smaller chance of collapsing versus an individual company/stock? is that basically it?
Bingo !! This is precisely it.
For retirees that depend entirely on that dividend " income " , ( as opposed to someone younger that may " reinvest" those dividends), it is a risky proposition IMHO. Consider a blue chip name like AT&T, as an example. It's stock performance over the past 25 years is a staggering loss of more than 50%. Its dividend has been shredded due to company missteps, and a deteriorating business. Someone who had this stock in their dividend income strategy suffered.
An ETF will help avoid this meltdown you own dozens of companies. Pay the ETF to do the work for you.. Expense ratios, management fees are generally low...
I should have been more specific on my last point. With an ETF , not only are you more diversified w the dozens of good dividend paying companies, but the ETF should weed out those companies w deteriorating business fundamentals , like an AT&T , or reduce its portfolio holding in the ETF. Again, let the ETF do this work for you..
0
I should have been more specific on my last point. With an ETF , not only are you more diversified w the dozens of good dividend paying companies, but the ETF should weed out those companies w deteriorating business fundamentals , like an AT&T , or reduce its portfolio holding in the ETF. Again, let the ETF do this work for you..
guys, I will be adding some AGGH to my dividend portfolio and plan to buy shares of it monthly until I reach 1,000 shares, before dumping into my other positions.
I bought 100 shares of this yesterday, at $21.87 per share.
this is a MONTHLY DIVIDEND PAYER who writes options contracts on a bond portfolio and the current yield on this is 9.83% APY annually, paid monthly. I love monthly payers and currently hold many monthly payers in my portfolio.
Coming into 2024 my goal for dividend/interest income is to achieve $10,000 annually. I am projected to receive $8104 this year, before this transaction. I plan to add monthly to all of my positions to continue the snowball, and I have DRIP activated.
UPDATE TO THE DIVIDENT PORTFOLIO
DIVIDEND ETFS:
JEPI- 300 SHARES
JEPQ - 272 SHARES
QYLD- 868 SHARES
SCHD - 37 SHARES
DIVO - 64 SHARES
VYM - 18 SHARES
SPYI - 39 SHARES
*ADD- AGGH 100 SHARES
PREFFERED STOCK HOLDINGS:
ET PREFERRED SERIES C,D,E - 775 COMBINED SHARES
ET COMMON STOCK: 1200 SHARES
WELLS FARGO PREFERRED - 178 SHARES
AG MORTGAGE PREFERRED- 86 SHARES
COMPASS DIVERSIFIED PREFERRED - 44 SHARES
DIGITAL REALTY PREFERRED - 18 SHARE
OTHER:
VARIOUS BANK CDS OFFERED THROUGH THE BROKERAGE ACCOUNT PAYING BETWEEN 5.1-5.65% APY FIXED
Until the wallet is full.
0
guys, I will be adding some AGGH to my dividend portfolio and plan to buy shares of it monthly until I reach 1,000 shares, before dumping into my other positions.
I bought 100 shares of this yesterday, at $21.87 per share.
this is a MONTHLY DIVIDEND PAYER who writes options contracts on a bond portfolio and the current yield on this is 9.83% APY annually, paid monthly. I love monthly payers and currently hold many monthly payers in my portfolio.
Coming into 2024 my goal for dividend/interest income is to achieve $10,000 annually. I am projected to receive $8104 this year, before this transaction. I plan to add monthly to all of my positions to continue the snowball, and I have DRIP activated.
UPDATE TO THE DIVIDENT PORTFOLIO
DIVIDEND ETFS:
JEPI- 300 SHARES
JEPQ - 272 SHARES
QYLD- 868 SHARES
SCHD - 37 SHARES
DIVO - 64 SHARES
VYM - 18 SHARES
SPYI - 39 SHARES
*ADD- AGGH 100 SHARES
PREFFERED STOCK HOLDINGS:
ET PREFERRED SERIES C,D,E - 775 COMBINED SHARES
ET COMMON STOCK: 1200 SHARES
WELLS FARGO PREFERRED - 178 SHARES
AG MORTGAGE PREFERRED- 86 SHARES
COMPASS DIVERSIFIED PREFERRED - 44 SHARES
DIGITAL REALTY PREFERRED - 18 SHARE
OTHER:
VARIOUS BANK CDS OFFERED THROUGH THE BROKERAGE ACCOUNT PAYING BETWEEN 5.1-5.65% APY FIXED
Hey guys I have met @steponaduck on twitter and will be following. I have zero to add, tons to learn but am trying to save for my families future. I may ask stupid questions at times but appreciate any and all knowledge I can gain.
2
Hey guys I have met @steponaduck on twitter and will be following. I have zero to add, tons to learn but am trying to save for my families future. I may ask stupid questions at times but appreciate any and all knowledge I can gain.
Hey guys I have met @steponaduck on twitter and will be following. I have zero to add, tons to learn but am trying to save for my families future. I may ask stupid questions at times but appreciate any and all knowledge I can gain.
As the ol' saying goes, There are no stupid questions when you're trying to learn.. Save & Invest.. That is key, and Read a lot from smart investors, too.
If you're new in the investing world, I suggest John Bogle's (Bogle on Mutual Funds), or Burton Malkiel's (A Random Walk Down Wall Street). Both are excellent, and you'll learn a ton on how to invest for the future, no matter your time horizon.
1
Quote Originally Posted by Feenfromeugene:
Hey guys I have met @steponaduck on twitter and will be following. I have zero to add, tons to learn but am trying to save for my families future. I may ask stupid questions at times but appreciate any and all knowledge I can gain.
As the ol' saying goes, There are no stupid questions when you're trying to learn.. Save & Invest.. That is key, and Read a lot from smart investors, too.
If you're new in the investing world, I suggest John Bogle's (Bogle on Mutual Funds), or Burton Malkiel's (A Random Walk Down Wall Street). Both are excellent, and you'll learn a ton on how to invest for the future, no matter your time horizon.
Energy Transfer $ET preferred shares are being called away so when they pay out for those I play to drop into Series I ET Preferreds and ET Common Stock 50-50 split.
some of the shares will be called away in FEB, the others in MAY
Until the wallet is full.
0
Energy Transfer $ET preferred shares are being called away so when they pay out for those I play to drop into Series I ET Preferreds and ET Common Stock 50-50 split.
some of the shares will be called away in FEB, the others in MAY
@dubz4dummyz Great question, and I think RAIDERS has done a great job in breaking it down.. Personally, for my dividend strategy, I only use mutual fund or ETFs. They pay a decent dividend, and the companies in the ETF have a history of paying and increasing their dividends. This is a key point, and RAIDERS mentioned it, too, but you really gotta be careful if you go the stock route. You could be tempted to invest in a company w a juicy dividend, only to find that it is unsustainable, and the dividend gets cut. That's when a stock can go down 20% or more in a single day !! Be careful if you go the stock route. You really have to do your due diligence Personally , I'd stick with ETFs, with low fees, and I do.. . VYM has a really low expense fee at 0.06% expense fee too, so does SCHD. I really like VYM...
I truly find this advice to be sound, but you can find some really solid companies that have a great balance sheet, cash surplus and strong financials to support a position all while collecting a great dividend yield.
Kinder Morgan
Energy Transfer
Enterprise Products
Citibank Preferred
Wells Fargo Preferred
all rock solid, these companies are never going BK and the div. yield/low beta of the preferreds make it an extremely viable option.
Until the wallet is full.
0
Quote Originally Posted by Rush51:
@dubz4dummyz Great question, and I think RAIDERS has done a great job in breaking it down.. Personally, for my dividend strategy, I only use mutual fund or ETFs. They pay a decent dividend, and the companies in the ETF have a history of paying and increasing their dividends. This is a key point, and RAIDERS mentioned it, too, but you really gotta be careful if you go the stock route. You could be tempted to invest in a company w a juicy dividend, only to find that it is unsustainable, and the dividend gets cut. That's when a stock can go down 20% or more in a single day !! Be careful if you go the stock route. You really have to do your due diligence Personally , I'd stick with ETFs, with low fees, and I do.. . VYM has a really low expense fee at 0.06% expense fee too, so does SCHD. I really like VYM...
I truly find this advice to be sound, but you can find some really solid companies that have a great balance sheet, cash surplus and strong financials to support a position all while collecting a great dividend yield.
Kinder Morgan
Energy Transfer
Enterprise Products
Citibank Preferred
Wells Fargo Preferred
all rock solid, these companies are never going BK and the div. yield/low beta of the preferreds make it an extremely viable option.
thanks again for updating and most importantly the transparency. I've just started doing a weekly buy on ET. Would love to discuss more with you if at any way possible?
0
@steponaduck
thanks again for updating and most importantly the transparency. I've just started doing a weekly buy on ET. Would love to discuss more with you if at any way possible?
It's been a pretty productive start to 2024, at least for the one dividend fund that is my mainstay ( VYM) . It's impressive that it's been able to hang w the s&p 500 thus far, considering that Nividia and other tech darlings dominate that index's weighting. There, artificial intelligence is all the rage.. Meanwhile, VYM consists of boring companies like XOM, JPM, PG, and the like, but they are all consistent payers of a dividend, and it should also have a whole lot less beta than the s&p 500..
0
@steponaduck
Good for you.
It's been a pretty productive start to 2024, at least for the one dividend fund that is my mainstay ( VYM) . It's impressive that it's been able to hang w the s&p 500 thus far, considering that Nividia and other tech darlings dominate that index's weighting. There, artificial intelligence is all the rage.. Meanwhile, VYM consists of boring companies like XOM, JPM, PG, and the like, but they are all consistent payers of a dividend, and it should also have a whole lot less beta than the s&p 500..
If you choose to make use of any information on this website including online sports betting services from any websites that may be featured on
this website, we strongly recommend that you carefully check your local laws before doing so.It is your sole responsibility to understand your local laws and observe them strictly.Covers does not provide
any advice or guidance as to the legality of online sports betting or other online gambling activities within your jurisdiction and you are responsible for complying with laws that are applicable to you in
your relevant locality.Covers disclaims all liability associated with your use of this website and use of any information contained on it.As a condition of using this website, you agree to hold the owner
of this website harmless from any claims arising from your use of any services on any third party website that may be featured by Covers.