My income will actually increase as I invested in 10 DRIPS and never collected one dividend. After retirement I will no longer reinvest(accounting nightmare). Philip Morris has been a very good investment as I have contributed $50 per month after an intial $1,000 since 1991. Along with MO I also invested in HSY,KMB,MOT,UST,WAG,WWY,KO, and Calloway Golf which I can't remember the symbol. The biggest disappointment turned out to be MOT. Yes, Len I will somehow be able to afford it. I do keep my thermastat at a cozy 72 degrees(LOL)!P.S. I did not start playing with microcaps until the late 90's.