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If you have IRA accounts and cash is available you can try to harvest dividends. Specially on Preferrds post dividend the price doesnt' completely adjust meaning, if the price before dividend is 26 and the dividend is 50 cents, post ex-date the price doesn't get to 25.5 but often 25.7 or something like that. It requires you to know the issue and you can do such harvesting.

I have done that. It is time consuming but you get a great annualized yield. Also, many issues trade up in the last 2 weeks before ex-dividend so if you could buy before 1 month and sell right after ex-dividend often you get a good yearly return; I have 3 or 4 REIT preferred's where I do this; All of them are callable any time so the price sort of anchors around $25 and the annual dividend yield is between 7% to 8%.
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