RJ Hamster
Max Dividends
| Forwarded this email? Subscribe here for more11/15/25 – The Best Dividend Reads This Week 📚Dividends, Reluctant Wealth, and the Quiet Power Behind the Headlines MAX DIVIDENDS AND SERHIO MAXDIVIDENDSNOV 16 READ IN APP 💡 MaxDividends Mission: Helping people build growing passive income, retire early, and live off dividends.This week, we’ve gathered some of the most compelling dividend stories every investor should know.🖤 Black Friday Early Access 12 Days Left — 80% OFF PremiumFriday, November 28 — 10:00 AM New York A 24-hour window to lock Premium forever at $50/year (regular $249/year next year).Join the List & Get — Instant Free Full App Access + Premium Access (now → Nov 28)👉 Join the Early Access List →We’re building something that lasts — not for a quick win, but for freedom that compounds.And soon, you’ll be part of it. For $50/year on Black Friday, it’s absurd value.IntroBy investing in strong stocks that frequently increase their dividends, we harness the power of compounding.When you invest in a business, you’re investing in its growth. As the business grows and earns more profit, it shares that profit with you through dividends.And this is where MaxDividends truly proves its value.My Word Here11/14 Update — email me anytime: max@maxdividends.appSo let’s break down what stood out this week. The market keeps handing out new opportunities, and I’m taking full advantage of them. Two companies landed on my radar for the weeks ahead — and both deserve a closer look.The first one is Primerica Inc. I’ve been following this business for a long time, and honestly, I like pretty much everything about it. Sure, it would be nice to buy it even cheaper, but the fundamentals are exactly what I look for.15 years of dividend increasesMaxRatio around ~10Payout ratio from earnings near 30%Financial Score 90+A 26% dividend hike this yearAnd a 10-year dividend growth rate in the double digitsI’ve already started adding shares — and I’ll keep building that position in the coming weeks.The second name under my radar right now is Zoetis (ZTS, in My watchlist) — a fantastic business trading at attractive prices today. The only difference is that this company has “only” 12 consecutive years of dividend increases… but at a very strong pace. They raised the dividend again this year — up 16%.Keep in mind, Zoetis only began paying dividends in 2013 after being spun off, so the growth runway is still early and impressive. I’m seriously considering opening a position here as well. Share your thoughts — let’s talk it through in the chat. I like what I see, and under current conditions I’d be comfortable starting a position.As for the rest — business as usual. Added to my favorites: Pool Corp, Bank OZK, and I’ll keep going at the same steady pace.On deck for the next couple of weeks: Tractor Supply, Lowe’s, Nexstar Media Group, FedEx, Snap-on.Long live dividends! 💪💰This Week’s Best Reads 💡Dividend Deep Dives & Investing GoldAs markets kept everyone guessing this week, the timeless strength of dividends took center stage. We’re starting with a closer look at how much of the S&P 500’s long-term story is written by steady cash payouts—an underrated force that makes the difference when the noise fades. There’s also the journey of Jack Gsantner, who let math and patience quietly do the heavy lifting. Rounding things out: an insurance provider and a water utility both rewarding consistency year after year, and a fresh take on ADP’s rise from small beginnings to an AI-powered future in payroll. Brew something warm and enjoy a relaxed weekend read about the real engines of wealth that keep working in the background.The Underrated Power of Dividends in S&P 500 Total Returns2.39% Dividend Yield, 15 Years of Dividend Hikes – The Insurance Provider Protecting Workers NationwideJack Gsantner and the Mathematics of Reluctant Wealth2.52% Dividend Yield, 16 Years of Dividend Hikes – The Utility Delivering Clean Water and Stability Across AmericaFrom $2,000 to AI: How ADP Reinvented Payroll—and ItselfPremium Partner Spotlight: Exclusive Dividend Ideas Just for YouThe UK Dividend Eagles — November 2025 EditionEuropean Dividend Eagles 🦅 | November ’25Canadian Dividend Eagles — November ’25Dividend Hike of the Week: Automatic Data Processing (ADP)Dividend Increase: +10,4%. 51+ consecutive years of dividends.Automatic Data Processing is a global leader in human capital management technology, providing payroll, HR, and workforce management solutions across diverse industries, primarily serving the U.S. and international markets. The company operates in a competitive sector fueled by tech innovation and regulatory compliance.In Q3 2025, ADP reported revenue of $5.18 billion, up 7.1% year-over-year, beating analyst estimates of $5.13 billion. Net income details correspond to an adjusted EPS of $2.49, beating expectations by 1.9%, with operating margins steady at 25.8%, reflecting a solid margin play amid steady growth.The company maintains a disciplined dividend policy with an annual dividend of $6.16, yielding 2.43%. ADP boasts a dividend increase track record of 51 years, with a five-year dividend growth of 75.00%, and a dividend payout ratio of 60.81%, underscoring its steady and reliable cash return approach.Max Dividends: How My Dividend Week WentWe’re back from vacation, and I’m full of energy and glad to be fully back in the game. It’s been a week packed with emotions and fresh impressions.My wife keeps reminding me where the real center of life is — right here, at home. Every day, with family. And I’m grateful that these moments of happiness are mine now. Big thanks to the teams running the businesses I own for making that possible.Meanwhile, the market keeps moving on its own rhythm — and the biggest moment for me this week was Warren Buffett’s latest message to his followers as Berkshire’s CEO.My respect for the man, his ideas, and everything he’s done for our industry is endless. I can’t help but share my appreciation — and a part of his letter that really hit home:“I’m happy to say I feel better about the second half of my life than the first. My advice: Don’t beat yourself up over past mistakes – learn at least a little from them and move on. It is never too late to improve. Get the right heroes and copy them. You can start with Tom Murphy; he was the best.Remember Alfred Nobel, later of Nobel Prize fame, who – reportedly – read his own obituary that was mistakenly printed when his brother died and a newspaper got mixed up. He was horrified at what he read and realized he should change his behavior.Don’t count on a newsroom mix-up: Decide what you would like your obituary to say and live the life to deserve it. Greatness does not come about through accumulating great amounts of money, great amounts of publicity or great power in government.When you help someone in any of thousands of ways, you help the world. Kindness is costless but also priceless. Whether you are religious or not, it’s hard to beat The Golden Rule as a guide to behavior.I write this as one who has been thoughtless countless times and made many mistakes but also became very lucky in learning from some wonderful friends how to behave better (still a long way from perfect, however).Keep in mind that the cleaning lady is as much a human being as the Chairman.I wish all who read this a very happy Thanksgiving. Yes, even the jerks; it’s never too late to change. Remember to thank America for maximizing your opportunities. But it is – inevitably – capricious and sometimes venal in distributing its rewards.Choose your heroes very carefully and then emulate them. You will never be perfect, but you can always be better.”Here’s the full letter if you want to read it: https://www.berkshirehathaway.com/news/nov1025.pdfThank you, Mr. Buffett.Now — about my buys this week. Everything went just as expected, right on schedule… but! I’ve got a small surprise for you. I started adding a new name to the portfolio 😊Details below. Let’s dive in!Want to Do the Same?At MaxDividends, we focus on a dividend growth strategy. It’s a great fit for investors who want capital appreciation, a decent level of safety, and growing income.Dividend strategy has been proven to beat the broader market over time, provided the stocks selected can withstand threats from competition and economic recessions.The only one who cares about your wealth is you. This is your money, your future, and your life. Your passive income is a result of your efforts, and it’s a reflection of your success.🖤 Black Friday Early Access 12 Days Left — 80% OFF PremiumJoin the List & Get — Instant Premium Access + Free Full App Access (now → Nov 28):Friday, November 28 — 10:00 AM New York A 24-hour window to lock Premium forever at $50/year (regular $249/year next year).👉 Join the Early Access List →Built for investors, not traders. We designed the MaxDividends App around one thing: clarity.No noise, no hype — just dividend scores, payout safety, fair value, and growth history. It’s like a dividend investor’s compass.An app that tracks 19,000+ companies, lists that never stop updating, and portfolios that you can follow in real time. Plus, a team that answers every question.For $50/year on Black Friday, it’s absurd value.Why join the Early Access List?Only people on this list get the private payment link when doors open.Join & Get 3 Bonuses Today 🎁🎁 BONUS #1 — Instant Premium Access (now → Nov 28): See everything inside — Kings, Aristocrats, Eagles, full research, tools, my watchlists.🎁 BONUS #2 — Free Full App Access (now → Nov 28): Explore the MaxDividends App with no limits through month-end.🎁 BONUS #3 — +1 Extra Month Free: Buy the annual Premium during the Black Friday window and get 13 months for the price of 12.Get on the Early Access ListSecure your invite before Friday, Nov 28, 10:00 AM ET. You’ll receive your private payment link by email the moment the 24-hour window begins.How it works1️⃣ Join the list — add your email now. 2️⃣ Enjoy full access — Premium + App unlocked until Nov 28, including the Black Friday day itself. 3️⃣ Upgrade on Black Friday — lock in $50/year for life and get +1 extra month added automatically.Quick FAQIs the link public? No — Early Access only.Will the $50 price stay? Yes — you lock it in for life as long as you stay subscribed.Do I keep the bonuses if I don’t buy? Your full Premium and App access remain active until Nov 28, including Black Friday itself. After that, the access closes automatically — the carriage turns back into a pumpkin 🎃 for those who skip the deal. The +1 extra month bonus applies only to those who purchase during the 24-hour window.👉 Join the Early Access List →MaxDividends CommunityMaxDividends Mission: Helping people build growing passive income, retire early, and live off dividends.We follow our time-tested strategy for tapping into overlooked dividend plays that can make your portfolio more resistant to recessions and other market panics and pack on consistent gains for years to come.MaxDividends Idea“Retire early and live on dividends. Because no one wants to work forever.”👉 My Own High Yield Dividend Growth StoryWith MaxDividends Community you’ll always be part of a winning team and stop viewing the future as an uncertainty. Worry will fade, replaced by confidence and peace of mind. You’ll focus on doing what you love while your passive income continues to grow.Choosing a strong environment is the key to achieving outstanding results. If you surround yourself with people who dream bigger than you, you increase your chances of reaching greater heights. Surround yourself only with those who will support you on your path to success.📚 Knowledge Base & Premium GuidesStart HereYour Premium HubWhat is the MaxDividends Strategy📖 What is the MaxDividends Idea & Concept | E-BookGuides & Step-by-StepGetting Started: Your Step-by-Step Dividend PlanHow Do We Select MaxDividends StocksDeep Insights📖 I ❤️ Dividends: Why I Believe Dividend Investing Is the Best Strategy | E-BookHow Effective is the MaxDividends Strategy for Building Growing Passive IncomeOne More Secret Ingredient for the MaxDividends StrategyHelp & SupportGot a question about dividends? Ask Max, your AI Dividend Assistant!Didn’t get the answer you need? Reach out: max@maxdividends.app or team@maxdividends.app — we’ll help you out.MaxDividends MissionHelping people build growing passive income, retire early, and live off dividends.Someone’s sitting in the shade today because someone planted a tree a long time ago. ― Warren Buffett.Refer a friend*Disclaimer: This article reflects the author’s personal opinions and is intended for educational and entertainment purposes only. It does not constitute financial advice in any form. Always do your own research and consult a licensed financial advisor. The author may hold positions in some of the stocks mentioned, in line with the views expressed. This is a disclosure, not a recommendation to buy or sell any securities.As a reader of MaxDividends, you agree to our disclaimer. You can read the full disclaimer here.📖 Now on Amazon!The 5 Timeless Rules of Dividend Investing — available in paperback.👉 Get your copy on Amazon💡 Prefer digital? 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