I Don’t Understand Investing in Small Cap Pharmaceutical and Biotech Companies

One of the places I check for ideas/inspiration to sell puts for income is the Yahoo Finance page's "Losers" for the day.  It provides a snapshot of companies that have taken an unusually large hit for that day.  I use this page to scout out any names that look familiar to me (i.e. if Nike takes a few percentage hit, I know Nike will be around in a few months so that is where I start my research for selling puts).  What does this have to do with Pharmaceutical and Biotech Companies? Everyday, day in and day out, they make up the [...]

By | January 18th, 2017|Investments|2 Comments

Slow and Steady Wins the Race: How to Fix Your Credit the Right Way

Almost one third of Americans have low credit scores, which are bad at the best of times but can cause serious problems in the long term. Isolate Your Score Killers To solve a problem, you must isolate its causes. Credit scores follow a poor-to-excellent scale based off credit dealings reported to the three major credit bureaus: TransUnion, Experian and Equifax. There are five factors which companies use to rate your credit score: the age of your credit accounts, your payment history, your credit utilization, your mix of credit accounts and your history of applying for credit. Some are far more heavily weighted [...]

By | January 15th, 2017|Debt|0 Comments

Budget Busters: Best Ways to Lighten the Burden of Unexpected Expenses

Only a few of us go through life without facing an unexpected bill that throws our finances into temporary chaos. Whether you lose your job, face a medical emergency, or the boiler breaks down, these are all things that can tear a large hole in your bank balance. Here is a look at how to address a financial emergency and ways to avoid the situation in the future. There are also some money saving tips and a plan of action to consider. Resolving the problem Financial emergencies come in many forms. Some situations become more pressing than others, but the end result [...]

By | January 14th, 2017|Personal Finance|0 Comments

Screening for Undervalued Dividend Growth Stocks January 2017

With a new year underway I decided to slightly alter the screen I use to attempt to find undervalued dividend growth stocks.  I discuss my metrics in further detail below, but the specific changes I made was to decrease the amount of years necessary for a stock to pay an increasing dividend from 20 years to 15 years and I put a moving target with regards to market cap to remove some of the smaller, thinly traded companies. Decreasing the requisite amount of years to even start the screen provided me with another 53 companies to look at (157 vs 210)!  The [...]

By | January 11th, 2017|Dividend Investment Portfolio|1 Comment

My Dividend Growth Portfolio January Update

I have been dreading writing this post since I already know I screwed up in December.  I gave myself very specific rules when it comes to selling short puts and I think my head got a little too big after a ridiculous month in November when it comes to investment income. My December 2016 Investment Activity My Undervalued Dividend Growth Stock Purchases December, like most months, I made my normal $500 purchase plus my option income for the previous month($506): On 12/6/2016 I bought 15 Shares of Aflac (AFL) at $68.75 ($1,038.32 purchase). This added to the 10 shares I already owned. [...]

By | January 9th, 2017|Dividend Investment Portfolio|0 Comments