the author of the Seeking Alpha article projected the average monthly dividend after November's first payout, to drop to $.13. It's paid more than $.15 in one 2012 month, and hovers near that $.15 mark. It's IPO was $22, so it's present price at $20 and some change gives a nice discount. Additionally, the CEO owns 20%, very nice initiative to make it work, putting money where the mouth is.