In this segment of The Motley Fool's all-financials show Where the Money Is, Fool financial analysts Matt Koppenheffer and David Hanson take a question from a Fool reader on Facebook who writes, "What is your opinion of Annaly Capital Management (NYSE:NLY) for an income stock?"

The guys discuss how to view the idea of an income stock at different points in an investor's lifetime and highlight one important distinction for investors regarding the difference between a stable dividend yield percentage versus a reliably stable dividend -- the first does not guarantee the second.

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis -- even one of our own -- helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.