Dividend-Paying Stocks: Some of the Best Bets for 2013

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Investors who shy away from dividend-paying stocks next year because of higher taxes will miss some of the best income sources of 2013.

Plus, there's a good chance many investors will miss the biggest dividend tax hit.

U.S. President Barack Obama, who earlier had suggested raising the dividend tax on those earning $250,000 or more, now says he wants to increase the tax on those earning $400,000 or more. Republicans have suggested raising the dividend tax on those earning $1 million or more.

Many investors wouldn't be affected by either proposal: Among Americans who receive qualified dividends - those taxed as capital gains, not regular income - 48% make less than $250,000 a year.

And there are some stocks that will be relatively immune to the fiscal cliff tax effects.

For those who will keep their money in dividends, we've highlighted some of the best picks among dividend-paying stocks for 2013, as well as some you'll want to avoid.

Dividend-Paying Stocks for 2013: A Chilean Gem

A good bet among banks does not even operate in the United States.

It's Chile's CorpBanca (NYSE ADR: BCA). Chile's fourth-largest bank, with a yield of 6.2%, has been paying dividends since 2006 and has not suspended the payout during the global financial crisis.

CorpBanca also has been growing. A recent acquisition gives it a presence in Colombia, one of Latin America's most buoyant banking markets. And more CorpBanca acquisitions in the Andean region of South America are possible in 2013.

Given it's a foreign play, CorpBanca likely wouldn't change its dividend policy based on changes to U.S. dividend tax rates or if the United States goes over the fiscal cliff.

Plus, CorpBanca's dividends dwarf those of some U.S. banks.

On average, JPMorgan Chase & Co. (NYSE: JPM) and Wells Fargo & Co. (NYSE: WFC) each yield 2.7% and their dividends are in better shape today than in 2009 or 2010.

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