"The stocks in our Cash Cows portfolio keep the checks coming regardless of riots in Europe, revolutions in the Middle East, or natural disasters in the Pacific," says income specialist Neil George.

The editor of The Pay Me Strategy explains, "This doesn't mean that our Cash Cows won't occasionally see negative price action on a given day or week; but you can be confident that any price setbacks will be temporary.

"The the foundation of this portfolio is four core global bond investment funds.

This post is one in a series in which more than 60 newsletter advisors share their Top Stock Picks for 2011. This special report is courtesy of TheStockAdvisors.com.

"To find strong dividend paying stocks, we apply two primary tests; and one stock that passes both of these tests -- and ranks our as top investment idea for the coming year -- is CPFL Energia (CPL), one of Brazil's major power utilities," says income specialist Neil George.

The editor of The Pay Me Strategy explains, "I focus on stocks that will grow your retirement wealth during good times and bad.

"One thing that will continue to play out -- regardless of the direction of health care policy and law -- consumers and spenders of health care dollars need to spend less," notes Neil George.

The editor of The Pay Me Strategy explains, "One solution for more efficient spending comes from Express Scripts (ESRX), which is right in the thick of the issue of prescription drugs and drug costs. The Saint Louis-based company is one of the leaders in pharmaceutical benefit management.

"To get lower drug prices -- you need to not only advance the efficiency of drug processing and distribution -- but also the advancement of cheaper generic drugs.

"Indonesia is one transitioning market that actually saw a big 53 percent gain in foreign portfolio flows over the past year; it's an economy and market that I've been touting for the past couple of years," says Neil George.

The editor of The Pay Me Strategy explains, "The nation is in the high-growth Asian region and is rich in resources and lower cost, increasing skilled labor. And it's run by a very popular president, Susilo Bambang Yudhoyno.

"I've always been a big fan of investing in real assets. One group I particularly like is pass-through securities, which pass through profits directly to shareholders," says Neil George.

In his Pay me Strategy, the income expert looks at five energy-related securities: Linn Energy (LINE), Holly Energy (HEP), Enterprise Products Partners (EPD), Natural Resource Partners (NRP) and Navios Maratime (NMM).

"While stocks have moved up and down sharply in recent months, minibonds have just kept bobbling along, still paying their big dividends and accruing cash to keep paying those dividends," says income advisor Neil George.

The editor of The Pay Me Strategy explains, "You might be surprised to learn how large the universe of minibonds is; there are always new opportunities to add to your minibond collection. Take a peek at what I've found and perhaps take a nibble or two.

For example, media companies CBS (RBV) and Viacom (VNV) have both had to deal with cost containment challenges while trying to bolster revenues from their audiences and advertisers.

Usage and demand for wireless data services is surging; according to the U.S. FCC data use has soared by over 700% in just the past four years alone," says Neil George.

In his Stocks that Pay You, he says, "We suggest you look at four companies involved in different aspects of the developing 4G network, which will provide for easier handling of more data, particularly in mobile devices."

This post is part of a special report, Top Picks for 2010, the 27th annual survey in which TheStockAdvisors.com asks the nation's leading advisors for their single favorite stock for the new year. See all 80 stocks listed here.

"Why try to guess what the S&P, gold, the dollar or anything else might do in 2010 when you can invest sure and simple in a proven utility company that pays you to own it?" asks Neil George.

In his Stocks That Pay You, he looks to Otelco (OTT), an Alabama-based phone company, as his top investment idea for 2010.

"A few stocks have really grabbed my attention; they have core assets that generate lots of cash, and serve their investors a good cut of the profits with regular streams of big dividends," says income specialist Neil George.

In his Stocks That Pay You, the advisor reviews three income issues that he calls, "fabulous finds."

He explains, "I'll start with a company, Compass Diversified Holdings (CODI), that as its name implies -- holds stuff. Specifically, it holds ownership in small set of operating companies in varied but basically solid businesses.

"Water, one of the most precious of resources, continues to be the most mispriced," says Neil George.

In his Profits Hidden in the News advisory, he explains, "Millions of Americans are drinking dangerous water from the tap." Here, he looks at two ways to profit as this situation gains attention.

"The US Environmental Protection Agency has recently updated its data on US municipal water and, as with previous surveys and reports - the news is not good. In fact, for wide swaths of the US population - including those in the nation's capital - its flat out scary.

"While I continue to avoid bank stocks and bank ETFs , I very much continue to recommend that you buy and own plenty of nicely high-yielding bank preferreds and bank minibonds for your retirement investing," says Neil George.

In his income-focused Stocks that Pay You, the advisors reviews his favorites among these lesser-known investment vehicles.

"Why invest in banks at all? Because -- as they continue to clean up and bolster their balance sheets -- banks are getting even better credit risks, which means that you'll be even more likely to get paid your high-yield dividends and interest payments.

"Think munis are a risky deal?" asks income expert Neil George. In his Stocks that Pay You, he states, "Don't. Instead, buy them now."

However, rather than buying individual bonds, the advisor suggests that investors focus on buying closed-end muni bond funds. Here, he looks at a trio of favorites.

"The muni market isn't for the uninformed or the novice. Unlike the treasury market and much of the corporate market - when it comes to munis - you have to know each bond inside and out before you buy, and keep tabs on it after you buy.

"Most of the government 's proposed changes for the financial markets aren't new or needed; but what will happen will be a boost for some and a bane for others," says Neil George.

Long-known in the newsletter community for his expertise in income investing, the advisor has just launched a new blog service, Stocks that Pay You. Here, he looks at some winners and losers from the current proposals for financial regulation.

George says, "In my view, these supposedly massive changes amount to window dressing. Banks and other related firms can continue to do what they've always done: cherry pick regulators and play off one regulator against another.

"So, unless we get the government actually empowering the guys down the line inside all of these agencies and departments, don't look for any big changes, because - while the players and the names might be changing - the contest is staying the same.

This post is part of a special annual report -- Top Stock Picks '09 -- in which TheStockAdvisors.com asked 75 leading newsletter advisors to select their favorite investment for the new year.

"Right now we need to start doing what Uncle Sam is doing -- buying preferred shares of solid banks," says Neil George in By George. Here's a look at First Banks 8.15% preferred A (NYSE: FBS-A).

"The major response to the credit and market bubble's popping is of course the Troubled Asset Relief Program, or TARP.

"The legislation authorizes the U.S. Treasury to be able to spend taxpayer funds on pretty much anything deemed to be helpful at getting the economy and markets working again.

"Over the coming years -- hundreds of billions of dollars have been allocated with more available initially and ostensibly to buy up troubled loans and other credit assets of banks.

"That was the plan -- but as it's been put to work after Congress authorized it -- the Treasury has begun to buy not troubled loans -- but ownership interests in banks as well as now insurance companies and other financials.

"With the government set to bail out a trillion dollars in debt, what should you buy?" asks Neil George, editor of Personal Finance. "Bond funds are the foundation that steadies your portfolio."

"While the Fed and the Treasury work to bail out a trillion dollars in debt, other governments around the planet seems to be jumping on board this train; similar deals are being cut from the UK to Russia to Japan and beyond.

"The result is a big surge of short-covering and rampant buying as the markets trade and party like it's 1999 again. But is this a good thing?

"Although it might satisfy the political agendas of government leaders, these moves do pretty much nothing to restore normal risk and reward characteristics that make for a productive free market system.

"Meanwhile, bonds are what continue to perform. The rally in stock might continue for a time, but when more and more serious investors and traders begin to figure out the ramifications of the government's heavily expanded role in the formally private sector, it won't take long for another selloff to materialize.