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3 Dividend Stocks With Low Volatility and Above-Average Yields
Bear markets, such as 2022, generally leave few places for investors to hide. Most stocks are priced with some level of growth in mind, and therefore, when the fear of recession or higher interest rates strikes, most stocks move lower. However, there are some stocks that offer a diversifying effect on one's portfolio, in that they tend to move separate from the broader market.
One way to measure this diversifying component is through beta, which is a measure of volatility of a security against a benchmark. In this case, we can measure beta of stocks against the S&P 500, which gives us a measure of volatility of each stock relative to simply owning the S&P 500 through an index fund.
With this in mind, let's take a look at three stocks that not only have low-beta values, but high dividend yields as well. This combination of factors makes them attractive to hold during bear markets.
An Appetizing Beta
Our first stock is McDonald's (MCD) , the ubiquitous owner and franchisor of McDonald's restaurants in the U.S. and internationally. The chain offers its famous line of sandwiches, fries, drinks, sides, and more. It operates or franchises about 40,000 stores globally, with only a small fraction of those being company-owned.
McDonald's was founded in 1940, produces about $23 billion in annual revenue, and trades with a market cap of $200 billion.
McDonald's stock has a five-year beta value of 0.65, which means it generally moves in the same direction over long periods as the S&P 500, but at 65% of the magnitude. In practice, that means that in theory, if the S&P 500 falls 10%, McDonald's would be expected to fall 6.5%.
In practice, McDonald's has risen about 1% so far in 2022, while the S&P 500 has declined 17%. That's the power of holding diversifying stocks with low-beta values.
McDonald's also has a very impressive 47-year streak of dividend increases, putting it in rare company on that measure. The payout ratio is currently just over 60% of earnings, so the dividend is very safe, particularly given the company's reliable revenue and earnings. The yield is currently 2.2%, which is about 60 basis points better than the S&P 500.
We also expect to see 6% annualized earnings growth for the foreseeable future, meaning McDonald's should have plenty of runway to continue to increase its dividend for many years to come.
Finally, despite the fact that McDonald's operates in what is generally a very cyclical sector — restaurants — its entrenched position and value proposition means that its earnings hold up during recessions much better than most of its peers. In fact, during recessions, McDonald's tends to gain share given its value proposition, so even in the event of a recession, we see McDonald's as a strong performer.
'Sanitize' Your Portfolio
Our next stock is Clorox (CLX) , a company that manufactures and distributes a huge array of consumer and professional cleaning products worldwide. The company operates in four segments: Health and Wellness, Household, Lifestyle, and International. Through these segments, Clorox distributes its namesake Clorox cleaning products, but also has a long slate of other cleaners, food products, vitamins and supplements, as well as pet supplies and more.
Clorox was found in 1913, generates about $7.1 billion in annual revenue, and has a current market cap of just over $18 billion.
Clorox has a five-year beta value of just 0.29, meaning that it tends to mostly move independent of the S&P 500. This stock, therefore, has a significant diversifying effect on one's portfolio, which is particularly useful during bear markets. Thus far in 2022, Clorox has roughly matched the S&P 500 with a price return of -16%.
Clorox also has a dividend streak approaching 50 years, meaning it is also exemplary when it comes to dividend longevity. The company's payout ratio is actually in excess of earnings for this year, but that should be temporary. Clorox experienced a boom into the pandemic and that is unwinding to an extent. We see normalized earnings in the years to come as 12% earnings growth from currently low levels should make the dividend more sustainable again.
Clorox is yielding 3.2% today, which is about double that of the S&P 500, so it's a strong income stock as well.
Finally, Clorox sells what are mostly staples, meaning recessions do little to dampen demand. That means it stands up well during bear markets and recessions.
A Dividend King in Waiting
Our final stock is Walmart (WMT) , the famous value leader in general retail. The company's stores number more than 10,000 globally, and they collectively supply hundreds of millions of people every year with groceries, pantry items, household, automotive, and gardening products, and much more.
Walmart was founded in 1945, generates a staggering $600 billion in annual revenue, and trades with a market cap of $417 billion.
Walmart's five-year beta is 0.53 against the S&P 500, so it is between McDonald's and Clorox in terms of its diversifying impact. Walmart is up 6% this year, beating the S&P 500 by about 23% in 2022.
The company sports a 49-year streak of dividend increases, and we expect that the next dividend the company declares will make it a Dividend King. The payout ratio is extremely low at just 38%, so the dividend has many years of likely increases in front of it. We also see 8% earnings growth in the years to come, meaning Walmart is likely to be a robust dividend growth stock in the years ahead.
The yield is about equal with the S&P 500, so it isn't quite the pure income stock that Clorox is, for example.
Finally, Walmart is famous in the investing community for its recession resilience, given it is the ultimate value proposition when it comes to physical retail. The company's low-price strategy means it stands up very well during all kinds of economic conditions.
Final Thoughts
While bear markets can be tough to handle, there are strategies investors can utilize to minimize the negative impact. Finding great dividend stocks with low-beta values — such as McDonald's, Clorox, and Walmart — can provide investors a safe haven in terms of low volatility and income.
As an example, these three stocks in 2022 in equal parts would have returned -3%, excluding dividends, and would yield 2.3%. Those percentages compare quite favorably to the -17% price return and 1.6% yield of the S&P 500. Such is the power of low-beta stocks, and we like these three for that reason during what has been a tough bear market in 2022.


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Coco Rochers…what are those? Turns out, they are coconut macaroons. Just four ingredients (unsweetened coconut, sugar, egg whites and vanilla) get heated up for a gently cooked batter that's then chilled, scooped and baked. I have to confess to you that I added a pinch of salt, too, so I guess that's really five ingredients. If you want to make it six, add a chocolate drizzle or dip…something I'll do next time, for sure. My unsweetened coconut is the very fine and fluffy desiccated stuff. I was able to pack the mix pretty tightly into my cookie scoop, and it made for macaroons that were a lot like the Manischewitz-type ones in a can. I'm a big fan of those, by the way. I made just 1/4 batch with the one egg white I had already separated in the fridge. I'm wishing I had more, but they are easy enough to make again anytime.
For the recipe, see Baking Chez Moi by Dorie Greenspan. Don't forget to check out the rest of the TWD Blogroll!
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These were good (especially with a cup of raspberry zinger tea)…I made a full batch and wish I'd made more.
Comment by Zosia— March 11, 2020 #
These were good and so easy!
Comment by Cakelaw— March 11, 2020 #
Definitely chocolate next time, wishing I had this time. No cookies for the trainers this week?
Comment by Diane Zwang— March 11, 2020 #
These were a hit with everyone…and so simple! I love when that happens. Next time chocolate for all of us 🙂
Comment by isthisakeeper— March 12, 2020 #
These were so good. Yours are so perfect looking!
Comment by Mardi (eat. live. travel. write.)— March 19, 2020 #
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Today, a variety of techniques exist that can take an image that contains humans and perform pose estimation on it. This gives us interesting skeletons that show us the current posture of the subjects shown in the given images. Having a skeleton opens up the possibility for many cool applications, for instance, it's great for fall detection and generally many kinds of activity recognition, analyzing athletic performance, and much, much more.
Let's think bigger: Can we reconstruct not only the pose of the model but the entire 3D geometry of the model itself which may include the body shape, face, clothes, and more?
Current approaches related to image-based 3D human shape estimation have demonstrated the potential in real-world settings but they still fail to produce reconstructions with the level of detail often present in the input images. The authors argued that this limitation stems primarily from two conflicting requirements: accurate predictions require a large context, but precise predictions require high resolution. Due to memory limitations in current hardware, previous approaches tend to take low-resolution images as input to cover large spatial context, and produce less precise (or low resolution) 3D estimates as a result. The authors of the paper PIFuHD addresses this limitation by formulating a multi-level architecture that is end-to-end trainable. A coarse level observes the whole image at a lower resolution and focuses on holistic reasoning. This provides context to a fine level which estimates highly detailed geometry by observing higher-resolution images.
This method builds on the recently introduced Pixelaligned Implicit Function (PIFu) framework, which takes images with a resolution of 512×512 as input and obtains low-resolution feature embeddings (128×128). To achieve higher resolution outputs, authors stack an additional pixel-aligned prediction module on top of this framework, where the first module takes as input higher resolution images (1024×1024) and encodes into high-resolution image features (512×512). The second module takes the high-resolution feature embedding as well as the 3D embeddings from the first module to predict an occupancy probability field. To further improve the quality and fidelity of the reconstruction, authors first predict normal maps for the front and back sides in image space and feed these to the network as additional input. See Figure 1.
Let's have a look together and evaluate it with three, increasingly more difficult experiments.
Experiment 1
Let's see the reconstructed model for still images (Figure 2. Front side reconstructed model). I think if I knew these people, I might have a shot at recognizing them solely from the 3D reconstruction. And not only that, but I also see some detail in the clothes – a suit can be recognized and the jeans have wrinkles. This new method uses a different geometry, a representation that enables higher-resolution outputs, and it immediately shows. It is clearly working quite well on still images. Now let's see for other experiments.
Experiment 2
It can not only deal with still images of the front side only, but it can also reconstruct the back of the person. You can see that (Figure 2. Back reconstructed model) the back part of the data is completely unobserved. We haven't seen the back, so how is it even possible to reconstruct it?
An intelligent person would be able to infer some of these details, for instance, we know that this is a suit or that these are boots, and we know roughly what the backside of these objects should look like. This new method leans on an earlier technique by the name Image to Image Translation to estimate this data and it worked very well. If you take a closer look, you see that we have less detail in the back than in the front, and it's obvious as that portion is completely unobserved.
Experiment 3
So now let's see whether it will be able to do video reconstruction or not.
It does the job but obviously, there is still quite a bit of flickering. The key idea here is that the new method performs these reconstructions in a way that is consistent, or in other words, if there is a small change in the input model, there will also be a small change in the output model.
This is the property that opens up the possibility to extend this method to videos.
Shubham Bindal
- PIFuHD: Multi-Level Pixel-Aligned Implicit Function for High-Resolution 3D Human Digitization: https://arxiv.org/pdf/2004.00452.pdf
- Website: https://shunsukesaito.github.io/PIFuHD/


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Burke Herring gives expert advice to your most difficult issues. We work with customers on a variety of topics, including EH&S, quality systems, and more.
Burke Herring, LLC provides Commissioning, Qualification, and Validation services to our bio/pharma client for projects of all sizes. From single pieces of equipment to entire facilities, we satisfy regulatory expectations for CQV. We team with our clients to provide rigorous protocols that assure efficiency, reduce risk, and maximize results.
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Regeneration is a creative work of God in which man is passive. In other words, the work is God's work. The terms that are used for regeneration in the New Testament are the following: "born-again" or "to beget" (to bring forth); "to create" (with reference to new-birth); and "to quicken" (Ephesians 2:5). These terms are each different, with a common element. They all refer to a work of God in which man is passive. We were created passive; we were passive when we were born. God does something for us and He does it creatively, for we are the object of that work.
Regeneration is non-experiential. Although we notice when new-birth occurs, we do not experience it. You realize at one moment that you are dead, and the next moment that you are alive; but all you experience are the effects of it. You have joy and thanksgiving; you are enlightened; you begin to read and understand the Bible; you come to know God. But you cannot describe the experience of birth itself. No Christian is ever able to describe the precise experience of new-birth; they can only describe the effects, since it is non-experiential. Regeneration is a supernatural work, not a natural work; it is beyond human experience and beyond human explanation.
The wind bloweth where it listeth, and thou hearest the sound thereof, but canst not tell whence it cometh, and whither it goeth: so is every one that is born of the Spirit. (John 3:8)
Divine life makes a change within a person so that they cannot habitually practise sin. When a person practises sin, nothing happens and divine discipline does not take place, then you can be sure that the person does not belong to the Lord. If their life is characterised by sin, it is evidenced that they do not belong to the Lord. The man who is born again may fall into sin and may persist for a time in sin, but he comes under divine discipline. A believer has divine seed—a divine nature. This is what Peter means when he says that we are "born again of incorruptible seed", for God implants life in us through the Word of God. The Word comes to the person, who He has prepared. After the implantation of the seed of life, birth and new-birth take place.
Who by him do believe in God, that raised him up from the dead, and gave him glory; that your faith and hope might be in God. Seeing ye have purified your souls in obeying the truth through the Spirit unto unfeigned love of the brethren, see that ye love one another with a pure heart fervently: Being born again, not of corruptible seed, but of incorruptible, by the word of God, which liveth and abideth for ever. (1 Peter 1:21-23)
Categories: Theology


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Visual Description: Kids learnin' 'Rithmetic.
NURPE = PRUNE, DPUPE = UPPED, RIPTEM = PERMIT, SUEERM = RESUME — Giving us: PUUDMITSME
Clue/Question: When the Math teacher ended the lesson, she . . .
Answer: SUMMED IT UP
(Been a while since we've had a good classroom pun! No new clue words, today, but all were jumbled excellently! I liked 'em all. Fantastic job on the answer letter layout, as well. Great cartoon, too. That is all, folks. Do well and be good, friends.) — YUR
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- Surreal Arithmetic…! (thickblackline.wordpress.com)
- Black Cloud, Silver Lining (mathequality.wordpress.com)


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This is going to make you very, very angry.
Obama is trying to cover this up.
On June 18, 2010, Arizona Republican Senator Jon Kyl told the audience at a North Tempe Tea Party town hall meeting that during a private, one-on-one meeting with President Obama in the Oval Office, the President told him, regarding securing the southern border with Mexico, "The problem is, . . . if we secure the border, then you all won't have any reason to support 'comprehensive immigration reform.'" [Audible gasps were heard throughout the audience.] Sen. Kyl continued, "In other words, they're holding it hostage. They don't want to secure the border unless and until it is combined with 'comprehensive immigration reform.'"
Sen. Kyl also said he reminded President Obama that the President and the Congress has an obligation, a duty, to secure the border.
I can't believe the military will let this go on.
Where are the joint chiefs. What a gutless bunch of cowards. They all took the oath to defend the Constitution against all enemies foreign and domestic.
We fight foreign wars under the excuse that they are essential for our national security right while the same leaders keep the borders open to our enemies and criminals.
Why have they not arrested this jerk and charged him with treason?
LEGAL NOTICE: The Authors specifically invoke the First Amendment rights of freedom of speech and of the press, without prejudice, on this website. The information posted on this website is published for informational purposes only under the rights guaranteed by the First Amendment of the Constitution for the United States of America. Images, text and logic are copyright protected. ALL rights are explicitly reserved without prejudice, and no part of this website may be reproduced unless by written consent. You hereby have written consent to post any individual post from this website containing this copyright to any other blog or email only if you post the whole and unaltered article including this copyright, and give proper credit to the author, and a link back to this blog at http://www.paulstramer.net/. This applies only to articles written by Paul Stramer. ©2005-2009 by Montana Business Communications (PDS) All rights remain in force. Removing this notice forfeits all rights to recourse. Copyright strictly enforced © The videos are third party and not covered by this legal notice.
Are you looking for Solutions for America in Distress
You are in the right place to find out about what is really going on behind the scenes in the patriot movement in America, including solutions from Oathkeepers, Anna Von Reitz, Constitutional Sheriffs, Richard Mack, and many more people who are leading the charge to restore America to freedom and peace. Please search on the right for over 8400 articles.
You will find some conflicting views from some of these authors. You will also find that all the authors are deeply concerned about the future of America. What they write is their own opinion, just as what I write is my own. If you have an opinion on a particular article, please comment by clicking the title of the article and scrolling to the box at the bottom on that page. Please keep the discussion about the issues, and keep it civil. The administrator reserves the right to remove any comment for any reason by anyone. Use the golden rule; "Do unto others as you would have them do unto you." Additionally we do not allow comments with advertising links in them for your products. When you post a comment, it is in the public domain. You have no copyright that can be enforced against any other individual who comments here! Do not attempt to copyright your comments. If that is not to your liking please do not comment. Any attempt to copyright a comment will be deleted. Copyright is a legal term that means the creator of original content. This does not include ideas. You are not an author of articles on this blog. Your comments are deemed donated to the public domain. They will be considered "fair use" on this blog. People donate to this blog because of what Anna writes and what Paul writes, not what the people commenting write. We are not using your comments. You are putting them in the public domain when you comment. What you write in the comments is your opinion only. This comment section is not a court of law. Do not attempt to publish any kind of "affidavit" in the comments. Any such attempt will also be summarily deleted. Comments containing foul language will be deleted no matter what is said in the comment.
Monday, June 21, 2010
Obama won't secure the border without Amnesty!
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A Labrador responded to an FBI advert.
"Well," said the personnel director, "you'll have to meet some strict requirements. First, you must type at least 60 words per minute."
"No problem."
"Also, you must pass a physical and complete the obstacle course."
The Labrador finished the course in record time.
"There's one last requirement, you must be bilingual."


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At dVerse Lisa is hosting Poetics with an invitation to engage with the Japanese (derived from Chinese) 72 seasons and to write a haiku based on – Sekki as major season and Ko as minor season within the major. For in depth information click the link below for dVerse and further links.
dVerse Poets – Poetics – One of Seventy-two Seasons
"The night air was soft and laden with the redolence of impending blossoms." Meeta Ahluwalia
My choice of major and micro season are: Sekki – Spring; Ko – Risshun (beginning of spring). Damsel flies are an early sign of spring, there is both joy in the coming of spring and sadness that winter is going (because it is fleeting – which means, ergo, that spring is also short lived). The fireplace empty means spring is here, a different nuance.
Spring Damsel flies buzzing sadness and joy are intertwined fireplace is empty Copyright 2022 ©Paul Vincent Cannon All Rights Reserved ®


text: Tacx: The Deva distinguishes itself due to its optimal clamping. The cylindrical shape of the Deva considerably reduces the chance of the bottle working its way out of the cage and falling, preventing dangerous situations. In combination with the Shiva and Shanti bottles by Tacx, the Deva has optimal clamping, even on poor road surfaces. Yet the cage has also been constructed in such a way that placing the bottle into it is a simple and smooth action.There are two versions: the Deva Carbon (21 grams) of 100% carbon and the regular Deva (29 grams) that is made of polyamide reinforced with carbon and glass fibre. The inner frame of the Deva is black, the outer frame is available in the colours white, silver grey, light blue, pink, green, blue, red and black.Tacx Deva is official cage sponsor of:AstanaEtixxLotto JumboEuropecarTinkoff Saxo


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Watch Silicon Valley online
Latest Silicon Valley Episodes
Silicon Valley
Genre: Comedy, Drama
Network: HBO
Release date: Apr 06, 2014
Summary: In the high-tech gold rush of modern Silicon Valley, the people most qualified to succeed are the least capable of handling success. A comedy partially inspired by Mike Judge's own experiences as a Silicon Valley engineer in the late 1980s.
Episode Guide
Season 01
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The 2023 signing class has the chance to improve with the possible addition of a four-star rated quarterback.
Malachi Singleton, a 6-1, 220-pound quarterback from Acworth, Ga. will announce his commitment on Monday, April 25, and the Razorbacks appear to be the front runner to land him.
Singleton has received five crystal ball predictions from 247sports this month, with the most recent coming Tuesday from Andrew Ivans and Phillip Dukes, both are 100% accurate in predicting the landing spot for athletes from the 2023 class.
The signal-caller from North Cobb High School may have given a hint to his college destination by tweeting out an epic highlight tape that mixed his junior-season highlights with the calls of Arkansas Football play-by-play announcer Chuck Barrett.
WPS?👀 @kendalbriles pic.twitter.com/SZq6BaqfxX
— Malachi Singleton (@M_3Singleton) April 19, 2022
Singleton had a remarkable junior season in 2021, completing 75% of his passes for 2,316 yards and 24 touchdowns, while running for 1,018 additional yards and 25 touchdowns. He led North Cobb to a 10-2 record, with an appearance in the second round of the GHSA Class 6A playoffs.
If Arkansas were to land Singleton, he would be the second commit from the state of Georgia for 2023. Three-star rated linebacker Everett Roussaw of Cedar Grove, Ga. announced his pledge to Arkansas on January 23, one day after tight end Luke Hasz announced his commitment to the Razorbacks.
Arkansas joins Georgia, Miami, and UCF in the hunt for Singleton, who will announce his college destination live on CBS Sports HQ on April 25.


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If you sign up and make your purchase using your Shop At Home account, you'll get 10% cash back!!