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Timing the Market vs. Buying a Quality Company at any time

These past few months, I’ve been saving my money and just using the dividends I’m receiving to pay off my margin loan because I think the market is quite high now and due for a correction. I also haven’t added any new positions or purchased any shares of the stocks I already hold for the same reason. Except now, I’ve basically paid off my margin loan, my emergency fund is fully funded and I’m just…

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Payout Ratio

One of my favorite metrics that I use when determining which dividend paying stocks to buy is the payout ratio, which according to Investopedia is: “The proportion of earnings paid out as dividends to shareholders, typically expressed as a percentage.” It’s maybe helpful to think of it as similar to finances on a personal level. You have some money coming in each month and you can either spend or save it. Maybe you spend 50%…

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Frugal Living: beauty supplies

Perhaps one of the first things that someone would notice upon entering my bathroom is the minimalism of my beauty products when compared to others, especially most girls who have bathrooms packed with various products. But, I’m not really a typical girl and it’s just something that I don’t really care about. Sure, I like nice smelling things but when it comes to shelling out large amounts of money for them, well, I don’t like…

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Invest like a Grandma: Dividend Stock Investing

There are a million and one things to invest in that are far sexier than Dividend Paying Stocks. A quick list off the top of my head: IPO’s, options contracts, shorting, commodities, emerging markets, Bit coin and day trading. A lot of these things can actually make you a lot of money IF you know what you’re doing. And while I know the basics of most of that stuff, I’m certainly no expert and would…

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Investing in Pharmaceuticals: What’s in My Portfolio

Pharmaceutical Stocks: I Love You! I love investing in pharmaceuticals for various reasons, but essentially in the research I’ve done, it almost seems like a can’t lose thing. The US government basically props us these industries and does a lot of their research for them (or at least funds it) and then allows the company to patent the final product, charge ridiculous amounts of money for it and then guarantees that no other company can…

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