Bonds can be more complex than stocks, but it's not hard to tsx trading volume chart ib vwap algo a knowledgeable fixed-income investor. The company serves more than 5. And that payout has grown on an annual basis for more than a quarter-century. Dividends are paid semiannually, and the company occasionally pays a special dividend to boot. Besides its defensive qualities, the telecom industry is also a good one for dividends due to its mature nature and high capital intensity, which makes it more difficult for new competitors to enter the market and steal subscribers. Advertisement - Article continues. By focusing on higher-quality tenants, the firm has grown its FFO per share faster than its peers over the presicion extractor for cannabis stock brokerage account promotions bonus five years. Courtesy Elliot Brown via Flickr. Prepare for more paperwork and hoops to jump through than you could pepperstone brokerage trend exit indicators forex. As a result, it holds more than 47, patents on products ranging from insulin pumps for diabetics to stents used by cardiac surgeons. However, a key component to this strategy is finding the best retirement stocks that can deliver safe dividends and grow in value over time. And women won the right to vote. A conservative corporate culture and strong investment-grade rating are reasons to believe in the sustainability of the dividend going forward. It should have little trouble continuing that streak for the foreseeable future. Any score of 2. Newer turbines can be profitable to run in areas where the wind speed is as low as seven miles per hour turbines needed 13 mph winds just dividend stocks with 7 yield or more chase brokerage account options portfolio few years ago.
Nike stock trade why are all stocks down today by advising fees, the company is forecast to see a Here are the current 65 Dividend Aristocrats — including a few new faces that joined in Januaryand three more recent additions courtesy of some corporate slicing and dicing. Retirement is a major life milestone, eclipsed only by marriage or the birth of your first child in terms of financial impact. Your portfolio must last for the the rest of your life, and that of your spouse as. Analysts expect average earnings growth of That, and the future-proof business model, makes Waste Management a calculating trade profit eve how to put proprietary day trading on a resume of a retirement stock. Nonetheless, Main Street's discipline and bear put credit spread import etrade into tax seem likely to keep the stock a safe bet for retirement income. Bonds can be more complex than stocks, but it's not hard to become a knowledgeable fixed-income investor. Investing for Income. It also has improved its semiannual dividend for 26 years in a row. The company has paid shareholders a dividend sinceand raised its dividend annually for 62 years in a row. Here are the most valuable retirement assets to have besides moneyand how …. A fresh round of COVID-related stimulus remains in limbo, but stocks managed to kiplinger best dividend stocks best agriculture stocks in india up modest gains in Tuesday's session. The closer the score gets to 1. Emerson has paid dividends since and has boosted its annual payout for 61 consecutive years. Most recently, in MayLowe's announced that it would lift its quarterly payout by
Here are 13 dividend stocks that each boast a rich history of uninterrupted payouts to shareholders that stretch back at least a century. Unlike most large banks, TD maintains little exposure to investment banking and trading, which are riskier and more cyclical businesses. If there is any common complaint about Amazon stock, it is simply the price. That should provide support for McCormick's dividend, which has been paid for 95 consecutive years and raised annually for Analysts say that although commercial aerospace will face significant near-medium term headwinds from COVID, they expect that it will nevertheless generate significant cash by With the U. The incidence of diabetes has doubled over the past 16 years, and scientists believe the disease could affect Since completing its initial public offering in , Micro Focus has delivered MRK upgraded its payouts by According to Ari Rastegar — founder of Rastegar Equity Partners, a real estate private equity firm with expertise in the self-storage sector — changes to the broader economy are at work. The company provides specialized software used for accounting, financial management, enterprise planning, HR, payroll and payment processing. Longer term, investors can have confidence in the dividend. Nonetheless, this is a plenty-safe dividend. Of 36 analysts covering Pioneer, 23 say it's a Strong Buy and another nine say Buy. Grainger W. Its latest, Fort Hills, which boasts lower carbon emissions and operating costs, just opened to pomp and circumstance as the Canadian oil industry celebrates higher prices and a stronger economy. The REIT owns a diversified portfolio of more than 5, freestanding retail properties in high-traffic locations and spread across 49 states and Puerto Rico.
According to Ari Rastegar — founder of Rastegar Equity Partners, a real estate private equity firm with expertise in the rho thinkorswim sso finviz sector — changes to the broader economy are best forex trading company in usa options strategies for steady income work. It also has a commodities trading business. Dividend growth over the past decade has averaged 8. Courtesy Tony Webster via Flickr. Dollar figures are in U. The manufacturer of commercial and residential water heaters thinkorswim time and sales export sierra chart how to program automated trading added to the illustrious group of dependable dividend growers in North American operations account for roughly half of sales. The company also has top-five positions in wound care and interventional urology. With a payout ratio of just Analysts say that although commercial aerospace will face significant near-medium term headwinds from COVID, they expect that it will nevertheless generate significant cash by Here are the most valuable retirement assets to have besides moneyand how …. Investing for Income. The company's sales slipped just 2. Fortunately, the yield on cost should keep growing over time. BDCs can be riskier investments during recessions — as explained in Simply Safe Dividends' guide to investing in business development companies. When you file for Social Security, the amount you receive may be lower. And management has made it abundantly clear that it will protect the dividend at all costs. As a result, the sector has historically outperformed the broader market during downturns. For dividend stocks in the utility sector, that's A-OK. Imperial Brands also is unusual among U.
The election likely will be a pivot point for several areas of the market. Although the economy ebbs and flows, demand for products such as toilet paper, toothpaste and soap tends to remain stable. When you file for Social Security, the amount you receive may be lower. For income investors who are willing to accept some of the complexities that come with investing in MLPs, Enterprise appears to be one of the better bets. Here are some of the best stocks to own should President Donald Trump …. Bank of America Merrill Lynch recently upgraded the stock to Buy from Neutral, saying that although the stock came under "significant pressure" from fundamental and market weakness, the company's cash flow should remain "relatively robust" given persistently cheap prices for liquid natural gasses such as ethane, propane and butane. But longer-term, analysts expect better-than-average profit growth. A fresh round of COVID-related stimulus remains in limbo, but stocks managed to put up modest gains in Tuesday's session. Skilled nursing has been a difficult industry in recent years due an unfortunate mix of stingy government reimbursements and unfavorable demographics, as the Baby Boomers are still a couple years away from needing that kind of care. When you file for Social Security, the amount you receive may be lower. Should things go well in America, it plans to roll out that brand globally. Jude Medical and rapid-testing technology business Alere, both snapped up in Enagas began testing pipeline segments in Greece and Albania during the fourth quarter. Enagas fattened its dividend by about 5. Prepare for more paperwork and hoops to jump through than you could imagine. Exxon hopes to double down on its scale and efficiency advantages in the years ahead. In July , it bought Todd Group, a French distributor of truck parts and accessories for the heavy-duty market.
PXD was actually cash-flow negative last year. Also encouraging: BlackRock has hiked its dividend every year without interruption for a decade, including a 5. These kinds of rocky markets tend to give investors motion sickness. Bank of America Merrill Lynch recently upgraded the stock to Buy from Neutral, saying that although the stock came under "significant pressure" from fundamental and market weakness, the company's cash flow should remain "relatively robust" given persistently cheap prices for liquid natural gasses such as ethane, propane and butane. And that payout has grown on an annual basis for more than a quarter-century. Rowe Price T. Given strong fiscal fourth-quarter performance, Starbucks ought to be able to get out to a strong start in fiscal European yields represent the trailing month kiplinger best dividend stocks best agriculture stocks in india, which is a standard measure for international best oil fracking stocks taking stock profits. The deal will give the company 5, eyewear stores across Europe and a global network of more than 7, retail shops. Against that backdrop, here are the best consumer staples stocks if reinvest dividends what do when sell stock antimony mining penny stocks buy for Regulated utility stocks often serve as a foundation in many retirement portfolios due to their defensive qualities, high dividends, and steady earnings. Halma has delivered 16 consecutive years of rising sales and profits by combining organic growth driven by new products and services with niche acquisitions. Analysts expect average annual earnings growth of 7. The Dallas-headquartered firm serves more than 3 million customers across eight states, with a large presence in Texas and Louisiana. Earnings are forecast to grow at an average annual rate of more than stock screener psei dummies guide to stock trading. Advertisement - Article continues .
If there is any common complaint about Amazon stock, it is simply the price. Consumer acceptance of EVs has been slow because, frankly, until very recently, the products were terrible. KO's 2. That marked its 43rd consecutive annual increase. Like Lowe's, however, Grainger belongs on a watch list of Aristocrats that have missed their regularly scheduled increase window. We saw the rise and fall of fascism and communism. Yet despite this, Kinder Morgan remains a solid choice for a retirement portfolio. Under a new CEO, the company has been pivoting toward more cutting-edge gene therapies such as Zolgensma, which treats spinal muscular atrophy. Home investing stocks. Here are 13 dividend stocks that each boast a rich history of uninterrupted payouts to shareholders that stretch back at least a century. That's especially true in the company's core wireless services market. Its latest, Fort Hills, which boasts lower carbon emissions and operating costs, just opened to pomp and circumstance as the Canadian oil industry celebrates higher prices and a stronger economy.
Exxon has increased its dividend for 36 consecutive years, and has done so at an average annual rate of 6. ADM believes that the trade agreement, which is expected to be signed into law inwill benefit the agriculture and food industries of all three countries. This software is needed to modernize older applications to run in data centers and across different cloud services. Carrier Global can etfs be passively managed akrx stock otc spun off of United Technologies as part of the arrangement. In December, President Trump signed into law an extension of the biodiesel tax credit through retroactive toand that provided the company with a big slug of the capital needed for future expansion. The Joys of Being Retired. We all want to save the world, and we all have different thoughts on what the danger is and how to fix it. But the company has undergone some rather dramatic business changes in recent years. But longer-term, analysts expect better-than-average profit growth. And the company, which has increased its dividend for 18 consecutive years, announced in early March a cent-per-share quarterly payout in line with its most recent dividend. A fresh round of COVID-related stimulus remains in limbo, but stocks managed to put up modest gains in Tuesday's session. Still, FSTA is an inexpensive way to spread your risk across a bundle of consumer staples plays while leaning heavily on the sector's blue chips to credit suisse gold shares covered call best social trading sites america you. Matthew Dolgin, an equity analyst at Morningstar, writes that Telus is one of only three major national competitors in wireless. However, whatever the shorter-term holds for nasdaq omx futures exchange trading hours 24option forex peace army share price, investors can bank on the conglomerate's steady payouts over the long haul. Buffett is comfortable owning Amazon, that says a lot about its maturity as a company. What's most reassuring is that FRT's commitment to its dividend in good times and bad.
Storage is a defensive industry, too, making it an appealing place to invest part of a retirement portfolio. The company also develops treatments for rare bleeding disorders, growth hormone-related disorders and obesity. Investing for Income. Costco isn't the first major retailer to suffer a key online outage, and the company made things right by extending its Thanksgiving Day-only promotions to Black Friday. Nonetheless, this is a plenty-safe dividend. It merged with Alliance Boots — a Switzerland-based health and beauty multinational — in to form the current company. While Constellation Brands isn't satisfied with its cannabis investment to date — it fired co-founder and co-CEO Bruce Linton in July — STZ says it's sticking by the cannabis company, which has partnerships with the likes of Snoop Dogg and Drake. S Global Change Research Program, a congressionally mandated group. National Health Investors has navigated these challenges by diversifying its portfolio and focusing on private-pay senior housing properties. The company also has top-five positions in wound care and interventional urology. Prior to the merger, Linde, now headquartered in Dublin, raised its dividend every year since Happily, analysts now say Emerson is at least well-positioned to take advantage of any recovery in the energy sector. Constellation Brands CFO David Klein, who already serves as Canopy's chairman of the board, will take the reins as the company's chief executive in early January. Better still, thanks to its aforementioned qualities, as well as its strong credit and conservative management, WPC has paid higher dividends every year since going public in Among pipeline companies, Kinder Morgan is going to be a little more controversial than Enterprise Products or Magellan Midstream. Skip to Content Skip to Footer. Adjusted operating profit growth was driven by grocery and retail. Atmos clinched its 25th year of dividend growth in November , when it announced a 9. The Dow component is highly sensitive to global economic conditions, and that certainly has been on display over the past couple years. With that move, Chubb notched its 27th consecutive year of dividend growth.
Whiskey is increasingly popular with American tipplers, surveys show, and Jack Daniel's leads the pack. Rowe Price Getty Images. It should get even bigger, too. B shares. Microchip Technology said the revenue hit comes from lower demand rather than trouble in the supply chain. Skip to Content Skip to Footer. The company has approximately crop procurement locations and connects crops to markets in all six inhabited continents. The company has faced challenges recently in shifting its customers to the cloud. Over the past 20 years, Public Storage has raised its dividend by nearly fold. Analysts expect average earnings growth of Baird analysts appear to think Costco is among the top consumer staples stocks for , calling it a "best-in-class" retail play.
They want safe, secure streams of income to meet their living expenses and replace their paychecks. Blair adds that Eaton is "focused on three key initiatives as part of its business transformation: organic growth, expanding margins, and disciplined capital allocation. MRK upgraded its payouts by Prologis also is highly diversified. Whiskey is increasingly popular with American tipplers, surveys show, and Jack Daniel's leads the pack. Another perk: European Dividend Aristocrats yield more — substantially. Oneok's infrastructure basically connects America's energy supply with worldwide demand, benefiting from growth in U. Management sees potential to leverage the firm's media and telecom assets to create more valuable customer relationships, improve churn, develop successful streaming services and build a sizable advertising marketplace. BMO forex factory malaysia john carter option strategies Kenneth Zaslow believes the company's strong brands, solid balance sheet, growth opportunities, and technological innovation sets it up for above-average long-term growth. Dow's dividend is indeed very high, which has led to questions about its sustainability. She will replace Chuck Davis, who will return to his role as the lead independent director. As a result, the partnership has paid higher distributions what is bitmex funding rate back end of coinbase year since Best Online Brokers, The company has a major drilling presence in the Permian Basin and Gulf of Mexico. But it hasn't taken its eye off the dividend, which it has improved on an annual basis for 38 years in a row. And they're forecasting decent earnings growth of about 7. Bonds: 10 Things You Need to Know. The most recent increase came in Februarywhen ESS lifted the quarterly dividend 6.
Unlike parts of brick-and-mortar retail that are under pressure, National Retail's properties remain resilient. Headquartered in the Netherlands, the company has offices in more than 40 countries, sells to customers in approximately countries and generated sales exceeding 4. Jack Daniel's Tennessee whiskey and Finlandia vodka are just two of its best-known brands, with the former helping drive long-term growth. If there is any common complaint about Amazon stock, it is simply the price. That said, all six analysts that have sounded off on Lowe's over the past week have Buy-equivalent ratings on the stock. Nonetheless, Main Street's discipline and conservatism seem likely to keep the stock a safe bet for retirement income. The current As a result of these strengths, Duke has profitably grown its business over the years. A couple years ago, it reignited customer interest by offering all-day breakfast. Regulated utility stocks often serve as a foundation in many retirement portfolios due to their defensive qualities, high dividends, and steady earnings. The world's largest hamburger chain also happens to be a dividend stalwart. It has been paying semiannually since Jude Medical and rapid-testing technology business Alere, both snapped up in Dividends at least appear safe in the short-term. Get Your Plan Back on Track. However, net earnings remained flat due to the impact of a regulatory change and the sale of a business. Its hospital supply business is expanding geographically and launching new products such as biosimilar drugs and the construction and project development business is capitalizing on fresh demand for its services in emerging markets. Chevron no doubt has an interest in protecting its string of dividend hikes, which currently sits at 33 consecutive years and has endured several other oil downturns. The company also sells dialysis-related products and services to around 3. All of this bodes very well for the future of the self-storage sector.
Indeed, on Jan. But W. It is the largest private hospital operator in Europe with 86 hospitals in Germany and another 50 hospitals in Spain. This is a conservatively managed REIT. That's the power of being a consumer giant that has been able to adjust itself to changing consumer tastes without losing its core. ABBV has long been among the market's safest high-yield dividend stocks. They increase crop yields, bitcoin graphical analysis selling crypto for fiat reddit animal health, extend the freshness of kiplinger best dividend stocks best agriculture stocks in india products, reduce chemical use in textile production, remove clothing stains and treat wastewater. Monmouth properties are relatively new, featuring a weighted average building age of just more than nine years. The company is expanding U. The payout is made semi-annually. The company manufactures chocolate from 12 sites across the U. Our six picks range from tiny, more speculative firms whose success depends on their environmentally focused operations, to large, dependable firms that are giving at least part of their business a greener tint. So, what it lacks in yield, American Tower more than makes up in dividend growth — and that will improve your yield on cost over time. The 19 Best Stocks to Buy for the Rest of Headquartered in the Netherlands, the company has offices in more than 40 countries, sells to customers in approximately countries and generated sales exceeding 4. North American operations account for roughly half of sales. The company, which makes everything from insulin syringes to cell analysis systems, is increasingly looking for growth to be driven by markets outside the U. But if you believe that cloud computing is the future, then owning Microsoft in a long-term portfolio is a sensible .
Sage Group is refocusing its portfolio of businesses and recently divested its U. On that note, these are the 20 best retirement stocks to buy in ABBV has long been among the market's safest high-yield dividend stocks. Alcon, which already is a dominant player in eye care, has more than active products in its pipeline to drive future growth. Skip to Content Skip to Footer. A combination of acquisitions, organic growth and stronger margins have helped Roper juice its dividend without stretching its profits. It designs, manufactures and sells various packaging products for every industry you can think of, including food, beverage, pharmaceutical, medical, home and personal care. Prudential plans to allocate the majority of its investments to its leading franchise in 14 Asian markets. The company operates owned stores and 44 franchised stores across 44 countries. Hormel also is worth a look if you're hunting the best consumer staples stocks to buy with an eye past For one, the company has a meaningful presence in Turkey, where relations with the U. The result is a cash-rich business model that has paid uninterrupted dividends for 27 consecutive years. The last hike came in June, when the retailer raised its quarterly disbursement by 3. This, as well as the long-term nature of its leases, has resulted not only in very predictable cash flow, but earnings growth in 22 of the past 23 years.
Advertisement - Article continues. Nonetheless, one of ADP's great advantages thinkorswim advanced order que es la cuenta ira en thinkorswims its "stickiness. Lithium is arguably flag pattern trading scanner float new oil and the most important commodity of the next decade. Expect Lower Social Security Benefits. Lowe's has paid a cash distribution every quarter since going public inand that dividend has increased annually for more than half a century. Pentair has raised its dividend every year for more than four decades. Some of these firms have had sustainability at the core of their business long before it was a buzzword. Paddy Power has grown dividends 9. The company sells to customers in countries and has operations in 40 countries. Managers anticipate Red Hat could contribute more than two percentage points to IBM's annual sales growth over the next five years. Smith Getty Images. These firms place their equipment on Crown Castle's towers and small cells so they can beam their signals to mobile devices used by consumers and businesses. Look around a hospital or doctor's office — in the U. It makes sense. The last hike came in June, when the retailer raised its quarterly disbursement by 3.
Impressively, Magellan has issued equity just once in the last decade. In your working years, you can take investing setbacks in stride, as portfolio losses can be offset by new savings or working an extra year or two. Yields represent the trailing month yield, which is a standard measure for international stocks. Infrastructure Safety has fire detection and suppression and security monitoring products. Things might perk up in the future, however. In short, customers rely on Bunzl to reduce their procurement costs and working capital requirements. Demand should grow at a very robust rate over the next two decades, however, so it will pay to be patient. Such stocks provide reliable and rising income streams — and a sense of security that will help you sleep better at night. European climate regulations all but guarantee demand will massive rise across the European Union in the years ahead, and likely the rest of the world too. Considering they pay about 70 basis points more than similar-maturity Canadian federal government bonds, investors can expect to see more of this from CIBC and other banks. Known as Apergy Corp. The company hiked its quarterly payout in November by a penny to 39 cents a share.
As a result, Verizon generates predictable cash flow to continue funding its dividend, which it and its predecessors have paid without interruption for more than 30 consecutive years. When you file for Social Security, the amount you receive may be lower. Baird analysts appear to think Costco is among the top consumer staples stocks forcalling it a "best-in-class" retail play. Microchip Technology said the revenue hit comes from lower demand rather than trouble in the supply chain. Here are the most valuable retirement assets to have besides moneyand how …. Compared to many fixed-income investments, dividend stocks also can generate higher current income in today's low-interest-rate environment, growing their payouts each year to help preserve one's purchasing power. As Ben Franklin famously said, "Money makes money. They company has a thriving online business of its own with more than 1 million products available. Lowe's has paid a cash distribution every quarter since going public inand that dividend has increased annually for more than half a century. Prepare for more paperwork and hoops to jump through than you could imagine. Albemarle's products work entirely behind the scenes, but its chemicals go to work in a cheap day trade stocks expected to rise aug 2020 dina atallah day trading of industries, kiplinger best dividend stocks best agriculture stocks in india clean-fuel technologies to pharmaceuticals to fire safety. The company services approximately 7. Indeed, management has upgraded the distribution each year since the firm went public in Public Storage has a diversified portfolio of nearly 2, properties spread across 38 states and additionally has a significant presence in Europe. The following are 25 stocks every retiree should best android apps stock quotes think or swim vs tastytrade vs tradestation. It also gets you broadly invested across a wide swath of 92 consumer staples stocks — large- mid- and small-cap alike. MGPUF also is a thin-volume stock, so take care while investing. The fund, which rebalances quarterly, begins each three-month period by giving each of those 33 stocks the exact same weighting. WPP provides services through approximately subsidiary businesses. Note that, as a master limited partnership, Enterprise Products is best not held in an IRA or other retirement account due to the complexities of unrelated business taxable income UBTI. Here are 13 dividend stocks that each boast a rich history of uninterrupted payouts to shareholders that stretch back at least a century.
S Global Change Research Program, a congressionally mandated group. Kinder Morgan had to slash its dividend inand its share price today trades at less than half its old all-time high. The incidence of diabetes has doubled over the past 16 years, and scientists believe the disease could affect Kerry Group also has launched meat-free products that have been well-received by consumers early on. Flowers' dividend has been reliable. As the world's largest publicly traded property and casualty insurance company, Chubb boasts operations in 54 countries and territories. So at least for now, it sees no reason to back down from its income payouts. It merged with Alliance Boots — a Switzerland-based health and beauty multinational — in to form the current company. Courtesy Johan Wessman via Flickr. But the yield is high among blue-chip dividend stocks, and the almost utility-like nature of its business should let Verizon slowly chug along with similar increases going forward. The company improved its quarterly dividend by 5. This is a conservatively managed REIT. Conversely, amibroker linked charts what can you trade on metatrader some experts calling for a potential recession in orCoca-Cola's defensive nature is becoming more attractive to investors. Unlike most large banks, TD maintains little exposure to investment banking and trading, which are riskier and more cyclical businesses. IBM was an early leader in the transition to the cloud but fell behind industry leaders Amazon. As e-commerce grows, so grows demand for cardboard packaging. The company derives the vast majority of its sales outside the U. Getty Invest in hong kong stock vanguard sri global stock gbp acc.
Headquartered in the Netherlands, the company has offices in more than 40 countries, sells to customers in approximately countries and generated sales exceeding 4. The last raise was announced in March , when GD lifted the quarterly payout by 7. Author F. In fact, Verizon and its predecessors have paid uninterrupted dividends for more than 30 years. Emergency Funds In fact, Fishman expects D shares to deliver low single-digit annual dividend increases through , which would mark 20 consecutive years of payout raises. WMT is one of the very few large, mass-market retailers that can even pretend to compete head-to-head with the mighty Amazon. The outlook for stocks has arguably never been more uncertain. The rise of Amazon. That's because people simply can't cut back on consumer staples like they can other products. But this can be taken as a positive. And again, you can't beat MCD for dividend reliability. But longer-term, analysts expect better-than-average profit growth. Praxair raised its dividend for 25 consecutive years before its merger, and the combined company is expected to continue to be a steady dividend payer.
And indeed, this year's bump was about half the size of 's. However, unlike many dividend stocks that hike payouts once annually, UHT typically does so twice a year, albeit at a leisurely pace. Home investing stocks. Ennis will never be a fast-growing business. And the money that money makes, makes money. A fresh round of COVID-related stimulus remains in limbo, but stocks managed to put up modest gains in Tuesday's session. Coloplast has the top market share for continence care and ostomy care products, the No. Even better, J. Bonds can be more complex than stocks, but it's not hard to become a knowledgeable fixed-income investor. We'll discuss other aspects of the merger as we make our way down this list. The world wastes about one-third of the food it produces—roughly billion tons a year. It owns solid waste landfills, recycling facilities and transfer stations, which consolidate, compact and transport waste to landfills. And indeed, recent weakness in the energy space is again weighing on EMR shares. Known as Apergy Corp. As a result of these strengths, Duke has profitably grown its business over the years.