Shares of ARMOUR Residential REIT (NYSE:ARR) and American Capital Agency (NASDAQ:AGNC) have taken a beating this past year; is this a classic example when investors should sell their shares to book capital losses for tax purposes? In this segment from The Motley Fool's everything-financials show, Where the Money Is, banking analysts David Hanson and Matt Koppenheffer play "Making the Grade" and give their thoughts on that question, as well as highlight how New York Community Bancorp (NYSE:NYCB) embodied a dividend-machine.

David Hanson has no position in any stocks mentioned. Matt Koppenheffer has no position in any stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.