Josh Peters, CFA, is an equities strategist and editor of the monthly newsletter Morningstar(r) DividendInvestor. He manages the newsletter's two real-money model portfolios. Morningstar, Inc., is a leading provider of independent investment research in the United States and in major international markets. The company offers an extensive line of Internet, software, and print-based products and services for individuals, financial advisors, and institutions. Morningstar provides data on more than 250,000 investment offerings, including stocks, mutual funds, and similar vehicles.?The company has operations in sixteen countries and minority ownership positions in companies based in three other countries. Visit us at www.morningstar.com.