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Triple Treat Stocks

Are you a dividend lover? Perhaps growth or value is your pleasure? No matter, these nine outfits have it all, says S&P

Is is possible to find one group of stocks that satisfies two distinct camps of investors? In the spirit of the holidays, this week’s screen will try to bring cheer to both growth and income fans.

Our first stop: income. Many investors like the comfort of regular dividend checks — which is like getting paid to own a stock, according to our colleagues at S&P’s The Outlook newsletter. The stocks on our list had to have a dividend yield greater than 2.5%, well above the market average.

PANNING FOR GOLD  Then we prospected for some growth names. After all, who wouldn’t mind some good earnings growth to go along with a nice dividend? We sifted for those issues with a projected five-year EPS growth rate greater than 8%.

Then we went to some in-house investing tools to enhance the appeal of the names on our list. Each issue had to carry a ranking of either 4 STARS (buy) or 5 STARS (strong buy) from Standard & Poor’s Equity Research. S&P equity analysts expect stocks with those designations to outperform the overall market over the next 6 to 12 months. We then looked for those issues with an S&P Quality Ranking of at least A, based on dividend and earnings over the past 10 years.

Glossary
S&P STARS: Since January 1, 1987, Standard & Poor’s Equity Research Services has ranked a universe of common stocks based on a given stock’s potential for future performance. Under proprietary STARS (STock Appreciation Ranking System), S&P equity analysts rank stocks according to their individual forecast of a stock’s future capital appreciation potential versus the expected performance of a relevant benchmark (e.g., a regional index (S&P Asia 50 Index, S&P Europe 350 Index or S&P 500 Index), based on a 12-month time horizon. STARS was designed to meet the needs of investors looking to put their investment decisions in perspective.

S&P Earnings & Dividend Rank (also known as S&P Quality Rank): Growth and stability of earnings and dividends are deemed key elements in establishing S&P’s earnings and dividend rankings for common stocks, which are designed to capsulize the nature of this record in a single symbol. It should be noted, however, that the process also takes into consideration certain adjustments and modifications deemed desirable in establishing such rankings. The final score for each stock is measured against a scoring matrix determined by analysis of the scores of a large and representative sample of stocks.

S&P Issuer Credit Rating: A Standard & Poor’s Issuer Credit Rating is a current opinion of an obligor’s overall financial capacity (its creditworthiness) to pay its financial obligations. This opinion focuses on the obligor’s capacity and willingness to meet its financial commitments as they come due. It does not apply to any specific financial obligation, as it does not take into account the nature of and provisions of the obligation, its standing in bankruptcy or liquidation, statutory preferences, or the legality and enforceability of the obligation. In addition, it does not take into account the creditworthiness of the guarantors, insurers, or other forms of credit enhancement on the obligation. The Issuer Credit Rating is not a recommendation to purchase, sell, or hold a financial obligation issued by an obligor, as it does not comment on market price or suitability for a particular investor. Issuer Credit Ratings are based on current information furnished by obligors or obtained by Standard & Poor’s from other sources it considers reliable. Standard & Poor’s does not perform an audit in connection with any Issuer Credit Rating and may, on occasion, rely on unaudited financial information. Issuer Credit Ratings may be changed, suspended, or withdrawn as a result of changes in, or unavailability of, such information, or based on other circumstances.

S&P Core Earnings: Standard & Poor’s Core Earnings is a uniform methodology for calculating operating earnings, and focuses on a company’s after-tax earnings generated from its principal businesses. Included in the Standard & Poor’s definition are employee stock option grant expenses, pension costs, restructuring charges from ongoing operations, write-downs of depreciable or amortizable operating assets, purchased research and development, M&A related expenses and unrealized gains/losses from hedging activities. Excluded from the definition are pension gains, impairment of goodwill charges, gains or losses from asset sales, reversal of prior-year charges and provision from litigation or insurance settlements.

S&P 12 Month Target Price: The S&P equity analyst’s projection of the market price a given security will command 12 months hence, based on a combination of intrinsic, relative, and private market valuation metrics.

Standard & Poor’s Equity Research Services: Standard & Poor’s Equity Research Services U.S. includes Standard & Poor’s Investment Advisory Services LLC; Standard & Poor’s Equity Research Services Europe includes Standard & Poor’s LLC- London and Standard & Poor’s AB (Sweden); Standard & Poor’s Equity Research Services Asia includes Standard & Poor’s LLC’s offices in Hong Kong, Singapore and Tokyo.

Required Disclosures

In the U.S.

As of September 30, 2005, research analysts at Standard & Poor’s Equity Research Services U.S. have recommended 28.7% of issuers with buy recommendations, 60.3% with hold recommendations and 11.0% with sell recommendations.

In Europe
As of September 30, 2005, research analysts at Standard & Poor’s Equity Research Services Europe have recommended 34.8% of issuers with buy recommendations, 44.8% with hold recommendations and 20.4% with sell recommendations.

In Asia
As of September 30, 2005, research analysts at Standard & Poor’s Equity Research Services Asia have recommended 28.1% of issuers with buy recommendations, 51.1% with hold recommendations and 20.8% with sell recommendations.

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Spotlight on: Fort Worth’s Westside Neighborhoods

Fort Worth is known for many things, and it’s diverse and dynamic neighborhoods are certainly one of them. From its quaint roots, steeped in history, to its urban landscape and rich framework of culture, entertainment and excellent quality of life, Fort Worth is a city built on tradition and poised for excellent growth. Perhaps the one area that best reflects the progressive nature of Fort Worth is its Westside neighborhoods. These neighborhoods boast beautiful architecture, excellent Fort Worth real estate, family-friendly surroundings and a superb proximity to nearly all points throughout the city. It is no wonder, then, that many of Fort Worth’s Westside neighborhoods are highly sought after by Fort Worth residents looking for excellent Fort Worth real estate.

With Fort Worth real estate in particular, the neighborhoods of Westside are sure to please. Here are our picks for the best neighborhoods in this exciting area of Fort Worth:

Beautiful, two-story Period Revival homes dot the landscape of Arlington Heights, as do smaller, one-story bungalows. There are many historically significant homes in this section of Fort Worth; in fact, there are currently 53 structures listed in the Tarrant County Historic Resources Survey by the Historic Preservation Council for Tarrant County. The surroundings of this neighborhood are quite quaint, as most of the homes are framed by tree-lined streets, wide sidewalks and vintage streetlamps. There has been much enthusiasm as of late about Arlington Heights because of the outstanding revitalization efforts taking place there.

Beautiful, towering trees provide a lovely backdrop to the homes of Crestwood. Because of the rich, river-soaked soil found here, it is common to see breathtaking lawns and landscapes. Crestwood displays a nice variety of Fort Worth real estate, from small, modest bungalows to larger, Period Revival homes. This community boasts a strong sense of community, as is apparent in its crime watch, monthly newsletter and many community activities.

Linwood is a unique example of residential and commercial Fort Worth real estate blending well together. Most of the homes in Linwood are smaller, one-story framed homes. There are also some commercial buildings and apartment complexes in this area.

Mira Vista is a prestigious, gated community that boasts such features as a manned front gate, picturesque lakes and, of course, a rolling golf course. The country club and pool are the main draw to this upscale community, and it’s not uncommon to see larger garden homes and even stately mansions.

Secluded and serene best describe Westover Hills. From its quiet, tree-lined streets to its stately homes set upon beautifully manicured lawns, Westover Hills is a fine example of some of the superb Fort Worth real estate available in this area. Most of the homes in Westover Hills are custom built, and there are many prominent families who have called Westover Hills home over the years. There are also currently 30 structures in Westover Hills that are listed by the Historic Preservation Council for Tarrant County.

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Don’t Just Worry About Federal Estate Taxes

Many states have their own estate tax laws that you need to worry about. With the current law phasing out the estate tax over the next few years, the state’s are beginning to feel the pinch of having less federal estate-tax revenue coming in.

Several states, especially those with budget issues, are levying some forms of estate and inheritance tax on their own.

Twenty-four states and Washington, D.C. now have an estate or inheritance tax. Some of these laws are new, some are not.

Although the current federal law exempts the first $2 million of an estate’s worth, the threshold in some states is much lower. With a home, a retirement account and other investments, many estates easily become taxed by the state.

For example, in New Jersey, estates worth over $675,000 are subject to some form of state inheritance or estate tax.

The threshold is $1 million in D.C., Kansas, Main, Maryland, Massachusetts, Minnesota, Nebraska, New York, Oklahoma and Oregon.

The maximum rate varies, but is usually around 16%. Federally, you can recieve a deduction on your federal estate-tax liability based on the amount of estate tax paid to the state.

Don’t just assume that since the federal estate tax is phasing out for a few years that you are out of the way. Estate taxes vary from state to state.

This leaves many people needing to think over where they choose to retire. Many states are starting to feel the pain of this as well, with several repealing their estate-tax laws to discourage high-income residents from leaving. For example, Oklahoma will be eliminating its estate tax over a three-year period.

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The Alamo Real Estate Region Continues to Impress

The future is looking bright for the Alamo region – in fact it is really bright. Texas Comptroller Susan Combs recently released a new report that details the impressive economic outlook for the Alamo Region. San Antonio’s excellent educational opportunities and the robust healthcare and tourism sectors have been credited with much of the success of this region. The Alamo region, which consists of 19 counties across the south-central portion of the state, includes San Antonio, Seguin, New Braunfels, Kerrville, Fredericksburg and Victoria.

One of the main points of the report focuses on the regional employment growth which, by all accounts, should see a sharp increase in 2010. In fact, the report states that the Alamo region should see a 23 percent rise in employment by 2013, even despite the current economic problems being experienced not only throughout the state, but the country, as well. However, it is important to point out that, despite the national recession, the Alamo region has still managed to keep unemployment rates lower than both state and national levels.

Much of the employment growth of the Alamo region is expected to take place in the trade, transportation and utilities sectors, as well as the leisure and hospitality sector, the agriculture sector and the natural resources and mining sectors. Job demand is expected in the following fields: retail sales, customer service, personal and home care, real estate, nursing, elementary and collegiate teaching, bookkeeping and accounting.

In addition, the population of the Alamo region is also expected to increase by nearly 1.7 percent by 2013, mirroring the employment growth of other regions throughout the state. The Alamo region remains – and is expected to remain – a part of the three, fastest growing counties in the nation: Comal County, Kendall County and Guadalupe County. Much of the strong, economic outlook for the Alamo region is supported by the Base Realignment and Closure actions. The three military bases of the area: Fort Sam Houston, Lackland Air Force Base and Randolph Air Force Base, all help this area of the country significantly when it comes to employment.

Fort Sam Houston employees nearly 27,000 people and, once the expansion of this base is complete, more than 12,000 more jobs will be added to the already dynamic economy of the Alamo region. Other strong sectors in this region include the health care industry, which generated nearly $10 billion in 2007 along, and employees one out of seven residents of the region. In addition, the greater San Antonio area is home to 24 of the region’s 47 hospitals.

Agriculture also remains a strong force in the Alamo region’s economy, as it is home to over 70 vineyards over 16 counties. Bexar County is the biggest crop producer in the Alamo region, thanks to its abundant nurseries and greenhouses. The Alamo agricultural sector produced more than $1.35 for the region in 2007 alone.

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The Retirement Community of Sun City Texas

Sun City is a retirement community located in Georgetown. It is not the normal retirement home or community. This community offers its residents small town charm, but just minutes from Austin. Sun City was also recently named one of the nations top retirement communities by Retirement Places Rated, a guidebook for seniors wanting to relocate upon retirement.

Its location is excellent, and has extremely affordable cost of living and tax advantages. Currently Sun City has about 5,500 homes and plans to expand to 7,500 homes by 2012-2013.

Most of the homes in Sun City range in price beginning around $100,000- up to $500,000. The sizes vary, but average size is between 1300 square feet to 2800 square feet.

Sun City has many amenities for active seniors to enjoy upon their retirement; tennis courts, three championship golf courses, swimming pools, miles of walking trails and much more.

Sun City also has a community center for residents. The Village Center spans an amazing 86,000 square feet, and is home to many indoor amenities such as art classes, a woodshop which is equipped with all the tools and machinery needed to build something simple or something more complex.

There is also a 5,000 square foot open air legacy pavilion, called Legacy Hills Pavilion. This pavilion over looks Berry Creek Lake and is where many neighborhood gatherings happen. There are many hiking trails in the area and the views and scenery make it very popular.

There is also a computer lab and over 30 clubs. Residents can play dominos, crochet, play bingo or just sit back and visit with other residents. The community also has its own lifestyle director to help residents adjust to their new life, whether they just moved to Sun City or if they have been here for awhile and just never had time for activities.

Sun City also has its own restaurant, Sparky’s. It is perfect for residents who are too busy to cook or just want to grab a quick bite to eat without having to drive far.

For residents who are concerned with health issues and transportation the community has nearby medical facilities such as Scott & White Medical Clinic and Georgetown Hospital. Transportation is provided by CARTS, and provides curb side service on Tuesdays and Thursdays.

The community also has many parks for residents to enjoy, with plenty of places to sit and have a picnic or just enjoy the Texas scenery.

Sun City is for adults age 55 and over, and is an alternative to living in a retirement home or living alone in a neighborhood. Sun City gives its residents the security they need, while living an active lifestyle.
For seniors who are not sure if Sun City is right for them, they also have a two night weekend getaway. Potential residents can visit the community and see if it is something they would enjoy, without the pressure to move in.

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