In a down-market when many people are rushing to buy gold, I already have mine. No, not that kind, but something much better! A growing stream of dividend income from solid companies. While everyone else is panicked about their portfolio's decline, I see a downturn as an incredible buying opportunity.

Family Dollar Stores Inc. operates a chain of more than 6,500 retail discount stores in 44 states across the U.S. Linked here is a detailed stock analysis and commentary.

Air Products and Chemicals Inc. produces industrial gases and specialty and intermediate chemicals and also has interests in environmental and energy-related businesses. Linked here is a detailed stock analysis of MTB and commentary.

It is very easy for a CEO to get on a conference call and talk about confidence in the future while communicating glowing projections, but do they really believe what they are saying? Are there any actions that would make you believe what they are saying?