por Tim & Carmela
With so much fear surrounding the markets and economic climate, it's no surprise that people are hesitant to invest right now. More fear means less money in the markets. Inflation and interest rates are higher also reduce discretionary funds. For those who are investing, they're flocking to the "safe bets" like Facebook, Tesla, Google, Microsoft, and Apple. Following suit, is a risky move. These big growth companies are propping up the market and will still decline in the recession that's coming. So what should you do? Invest in Bullet Shares like BSJP and BSJQ until other investments drop into a favorable price range. That way you’re earning ~6.8% yield while you wait. Sectors to monitor and stocks to put on your Watchlist: Mortgage backed REITs - AGNC, NLY Energy stocks - ET, AMZA Bonds and bond funds - YYY, DSU Banking stocks - MAIN, OMF Utilities - AQN, UGI Shipping and delivery services like Amazon, UPS, FedEx b/c holiday season - no good options yet Home builder stocks - MDC, KBH Phone network stocks - VZ, T (or cell tower infrastructure CCI) Closed ended funds at a deep discount - JRS, JQC, CRF, CLM Retirement and medical facilities for elders - MPW, OHI (maybe AFCG a pot REIT) BDCs that lend money to startup tech companies - HRZN, HGTC Drop your comments or questions for this episode on one of our posts. Facebook YouTube Blog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support! Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.
Traditional banks can't lend to small businesses, so they have to go somewhere else. That's where BDCs come in. As an incentive to serve this sector, government regulations allow BDCs to avoid paying corporate taxes if they disburse 90% of their earnings in dividends. That means we can make big bucks from holding BDCs as investors. We're also helping support small businesses, which is a win-win. But not all BDCs are created equal. Many high yielding BDCs are risky, so you have to dig into the fundamentals of a company before investing.Drop your comments or questions for this episode on one of our posts. Facebook YouTube Blog We discussed 6 BDCs in this episode. HRZN invests in technology 11% yield HTGC 9.8% yield ARCC 10% yield MAIN 6.9% yield FSK 12.8% yield but recommend preferred shares instead PSEC 11.5% yield but recommend preferred shares instead If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support! Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.
It might be exciting to jump right into the stock market, but until you figure out if you actually have money to invest, you need to slow your roll. The biggest risk of investing comes from putting money into the stock market that you can't afford to lose (value dropping short term). If you have credit card debt or no savings, you need to start there first. Successful investing comes from having the right foundation so you can play to win the investing game. Awareness is key, so you need to track and evaluate your spending (Mint, EveryDollar, spreadsheets, pen & paper). You can't invest money when you're negative every month. Make sure your bills are covered and then intentionally decide where you want to use your discretionary money. Investing and seeing your accounts make money is really fun so make sure you have the right foundation set up before putting money in stocks. Drop your comments or questions for this episode on one of our posts. Facebook YouTube Blog If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support! Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.
If down days in the market send you into panic mode, you need to implement a beta strategy. Stocks with a beta close to 1 are much less volatile than the market, which limits your downside. Low beta's also decrease the upside. But that's okay for dividend stocks, because of reinvesting and compounding. CALM is our favorite and ridiculously low beta stocks. Who would've thought that eggs could be so exciting? Of course there's other ways to limit your downside like Bonds - Episode 5 Preferred Shares - Episode 7 Worthy Bonds - Episode 6 For a more detailed summary of this episode, click here. Leave your comments here. (no email required) We value your feedback. Or you can drop comments on this episode's corresponding social posts. Facebook YouTube Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.
The ex-dividend date is important when it comes to dividend investing. It tells you if you're eligible for the next dividend payout or if you have to wait until the next cycle. Waiting could mean a month or a year depending on the frequency of the company's payouts. That's why we prefer monthly payers. Monthly payouts also compound faster.The main thing you need to know about the ex-dividend date is that it can affect a stock's price. And since price determines how many shares you can buy with your money, it's a good thing to be aware of. Drop your comments or questions for this episode on one of our posts. Facebook YouTube Blog Use this calculator to see the difference in value if you get dividend payouts monthly versus quarterly. It does make a difference and it gets bigger the longer your time frame. If you're looking for a quick summary on ex-dividends, click here. This includes a screen shot of how to find an ex-dividend date. For anyone who's interested in our sideline comments about plasma donation, the informative documentary is here. We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support! Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.
Preferred shares are a great way for new or timid investors to branch out from typical fixed income assets like bonds and CDs into stocks. They offer a less volatile price option to that of common shares of the same stock which keeps you're principle more in tact. Preferred shares also give you priority of payouts over common stock holders. That means you still get paid if dividends get cut.Drop your comments or questions for this episode on one of our posts. Facebook YouTube Blog Preferred shares mentioned during this episode include:QRTEPPARAPCEQP/PRGOODNARR/PRC IIPR/PRAABR/PRD We talked about putting 90% of funds allocated for Preferred Shares into the above and then potentially picking one of the following with more risk. AULT/PRDCDR/PRCIf you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support! Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.
Looking to invest your savings somewhere that makes more than a measly 0.43%? HYSAs are an option, but they often come with headaches. Worthy Bonds pays high interest and makes things easy. They have no fees, penalties, term dates, or minimums. You also have peace of mind with their collateral-backed, first-lien loans. With their low cost of entry and daily compounding it's a no brainer. That's why we have our savings and emergency funds invested with them. Drop your comments or questions for this episode on one of our posts. Facebook YouTube Blog Sign up for Worthy today using our referral link to get a free $10 bond. They're running a 7% promotion rate through November 12th, 2024. If you're looking for a more detailed summary of this episode, click here. Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.
Bonds are an essential part of any investment portfolio whether you're trying to preserve its principle or generate a fixed income. But bonds tend to come with some unappealing tradeoffs like low risk but safe or risky and higher coupon payments. We show you how you can make more from bonds while avoiding the pitfalls. You just have to know how and when to buy them. Funds are the alternate way to go for investing in bonds, but there aren't that many good ones. We're invested in DSU which pays a ~10% dividend yield.Drop your comments or questions for this episode on one of our posts. Facebook YouTube Blog If you love the fixed income of bonds you may be interested in our favorite alternative that's completely liquid and isn't in the stock market. Sign up for Worthy using our link and get a FREE $10 Bond. If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support! Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.
Does seeing a huge financial goal leave you feeling defeated? You're not alone. Seeing $1Million as a retirement target often stops people from even starting to invest in the first place. This number doesn't have to be that high. In fact, you can actually slash it in half and shorten the time it takes to retire by using an income investing strategy. Income investing also creates consistent monthly cash flow without the need to sell off any assets. Drop your comments or questions for this episode on one of our posts. Facebook YouTube Blog Use the calculation on our Instagram post to determine your new realistic retirement target. If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support! Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.
Don't get swept up in the panic and selling that 90+% of other investors do when the markets go down. Instead adopt these 5 mindset tweaks, that if implemented, will set you up to profit. It's great to have liquid capital sitting aside in BulletShares® like BSJQ when stocks go on sale. Earn between 6-8% yield while you wait. It's like a having a savings account in the stock market.Drop your comments or questions for this episode on one of our posts. Facebook YouTube Blog We discuss how market pullbacks affected these stocks HTGC IEP MPW If you're looking for a more detailed summary of this episode, click here.We're trying to grow. Help us reach others who want to learn to invest with confidence. Spread the word and leave a review to help us rank in search. We appreciate your support! Questions? Email Tim at debrine9@gmail.com Want FREE weekly market updates, Tim's top 10 dividend picks, and our portfolio updates delivered right to your inbox? Subscribe to our email list. Stay connected. Follow us on social! **DISCLAIMER**Ticker metrics change as markets and companies change, so always do your own research. The content in this podcast is based on personal experience and is for educational purposes, not financial advice. See full disclaimer here. Episode music was created using Loudly.