June 19, 2012 at 16:27 PM EDT
Market Wrap-Up for June 19 (ORCL, FDX, MCD, VFC, EXPE, more)

Today’s rally is being credited to traders positioning themselves for tomorrow’s Federal Reserve announcement. The Fed could opt for further monetary easing, or at least further confirmation that chairman Ben Bernanke will stick to his accommodative playbook.

Looking at specific names, earnings results helped lift shares of Oracle (ORCL) early on, as well as FedEx (FDX), which closed up despite the company lowering its forward guidance. Elsewhere, positive Wall Street analyst commentary helped lift stocks like V.F. Corp (VFC), Valero Energy (VLO) and W.W. Grainger (GWW). On the flipside, valuation concerns weighed down shares of Expedia (EXPE). Shares of McDonald’s (MCD) finished in the red after the company offered a cautionary view of customer traffic.

“All They Do is Depend…”

I recently ran into an older friend of mine whose three adult children still live at home. They all went to college and are just getting their feet wet in the working world. None of them are doing what they’d initially planned to do, but as my friend said, he wants them working nonetheless. In the meantime, they’re living under his roof, and their exit plan is uncertain at best. His classic comment to me was “I have all these dependents, and all they do is depend.

Although my friend’s remark certainly made me laugh, the situation many families face these days is far from comical. I expect the recent trend of multiple generations living under one roof to continue, as financial struggles grip people across the country. For recent college graduates, the reality of a tough job market and substantial student loan debt limits their options considerably. Many will simply need to return to the nest for the time being.

It used to be that each generation could break free and plan their own financial future, but more and more it is becoming a “team” process where those who are stable financially and professionally are relied upon to carry the load for a much longer time. This trend makes it essential for investors to put together a plan (dividend investing) where money is consistently being grown.

The best defense against the “boomerang effect” of kids moving back home after college is a solid financial education. Make it clear to your kids and grandkids that they need to look ahead in their professional lives. They must develop a unique set of marketable skills for tomorrow’s job market in order to survive on their own.

Sometimes a Door Has to Close

Whether you have faced personal or professional turbulence in your life, you know that at the time, things may appear hopeless. Many white-collar and blue-collar workers alike have found out that no one is immune to the cuts that have transpired in the workforce.

When the chips are down, we’re all faced with some big decisions. Some people choose to go back to school to learn new skills and enhance their earning potential. Others are unable to shake off the blow as easily. They may fall into a rut of collecting unemployment for multiple years, struggling to decide where to turn.

Having a group of mentors is helpful in these situations. A solid inner circle of people that are successful, or who may have faced similar circumstances in their own lives, is a great asset to have. These folks can provide helpful advice to you during tough times. Be flexible in your thought processes and don’t be afraid to try new things. Who knows, losing your job may wind up being a blessing in disguise — especially if you’re prepared to do whatever it takes to improve your lot in life.

Income, Income, Income

At Dividend.com, we maintain our focus on the best income-producing investments the markets have to offer during time of heightened volatility. We want to make sure we have only the most pullback-resistant names on our Best Dividend Stocks List. Also, if we see the market putting in what looks like a decent bottom, we will be prepared to scale up the list of stocks we like. Stay tuned and be sure to look for Dividend.com Premium member alerts along the way. Don’t count on the government or your employer to set you up for a remarkable retirement. Take control, do your own research, and achieve your goals yourself!

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Thanks for reading everybody. I’ll see you tomorrow!

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