jeremy schwartz joins us now to discuss that. and you make the point, jeremy, first of all, welcome. there are really two different types of dividend stocks. investors have to know the difference between the two. >> thanks for having me. certainly there is -- i call it the two baskets of stocks. one is there is a ones that are slower growing, high yielding, utility stocks. there is what you call bond proxies when interest rates go up. they face more pressure. more competition from higher interest rates. you have stocks that can grow dividends faster over time. there are smaller current yields. i think that is really where i think valuation becomes everyone looking for yield, users still historically low. i think the valuations are actually more attractive today on the stocks that can grow dividends faster over time. >> so not the sort of bond proxy that's you might find in telecom maybe energy, maybe utilities, correct? >>> yes. everybody is flocking to the stocks. i think the dividend growth stocks, maybe technology stocks, healt

you about this fella, jeremy schwartz, he brings it one of the best going. in school, too. class, you don't see every day. let's take you somewhere near san carlos. a typical day for jeremy swartz. look at this point of view during practice. near his peninsula home. >> i can't think of a better setting for classroom if you had to sit down and do something out here. >> yeah. yeah. it's not bad. >> reporter: classroom? one of the best downhill bikers of the nation. swartz, 16, needed a flexible school schedule. 15 to 20 races a year demands it. that's why he goes to school online. with the california virtual academy. >> my school comes to the races with me. i can take my laptop to each race and i can complete each lesson. i'm not falling behind at all. and it's just very accessible. >> reporter: our own allen martin first told bus this online academy in 2009. enrollment since then has tripled. it's another option. an alternate path from traditional education or homeschooling. >> it has bigger forks, more travel, eight inches in the rear. >> reporter: he started racing at age 1