Roaming Returns

Ever seen someone doing something amazing and as soon as they tell you how, you immediately say “I can’t so that” This one phrase can literally be the thing holding you back from achieving whatever your heart desires, not just in finance but everything else life.  How you talk whether out loud or in your head, makes all the difference.  Today we’re going to discuss what happens when you say I can’...

If you find yourself wondering why some people successful with their money and why others struggle, today's episode is for you.  It’s a well-known fact that those who set up and stick to a budget hit their financial targets. These people have a major thing in common. It’s frugality.  Which is probably not what you think. So many people have misconceptions of what being frugal really means. It's no...

Close Ended Funds need to be evaluated different than regular stocks. Why bother with CEFs? Well, they're pretty undervalued right now which makes a lot of them great opportunities for your investment portfolio. Here are the metrics we look at to determine if a CEF is a buy.  To actually see where we find this information in our Schwab brokerage, click here . You can find CEFs that are going ex-di...

We walk through 5 stock examples so you can see exactly what we look at to determine if a stock might be a contender for our portfolio or not. What metrics do we look for and what makes a company good or bad based on our income investing strategy. To actually see where we find this information in our Schwab brokerage, click here to watch what we're doing on YouTube. You can find stocks that are go...

Everyone including the FED has been optimistic about interest rates getting cut in 2024, but the data that's come out shows a different sentiment.  I know we're all missing the low rates, but as good investors, we have to prepare for reality.  The numbers indicate a high probability of a rate hold. There's also a better chance of there being a rate hike over a rate cut.    This is actually good fo...

A lot of people avoid high yield stocks like the plague, but they aren't all bad.  Yield Max ETFs pay you crazy high dividends from the profits they make trading options on popular stocks. Some of these yield over 100%.  Not all of their high earners are worth your dollars. We've been experimenting with these for over 9 months and have some top picks. We've also come up with a strategy to reduce y...

Today we’re going to give you an update on your dividend focused portfolio.  Our strategy combines high yielders with awesome tried and true dividend companies,  many of which grow their dividends year over year.  Even with 30%+ losses in 3 stocks, our portfolio is still out performing the current market. So let’s cover which stocks we’re currently holding.   Questions? Email Tim at debrine9@gmail...

Most conservative portfolios generate between 5 and 6% yield, but ours is beating the current market by a full percent! That's huge for a safety-focused portfolio.  We always say that the right strategy can give you both earnings and safety. And today, we’re going to show you what that looks like with our current retirement portfolio holdings.  Cutting stocks that will impact your performance is k...

Quarterly reports just came to an end so we’ve got some updates on macro trends and how that’ll impact the types of stocks you want to look at.  Let’s dig into the Q1 data so you understand what patterns are unfolding.  Inflation is still higher than they want which is pushing back interest rate cuts. People are starting to feel the heat and reducing their discretionary spending.  AI and crypto ar...

A continuation from the previous episode about finding ways you can save money by changing up how you do things Nix your bank fees by switching to an online bank like Ally, Sofi, or Schwab. Make things automatic by getting a programmable thermostat or setting up auto bill pay. Save on travel by preplanning. Using Google Flights to find cheaper days to fly and book home rentals instead of hotels on...

Saving money isn’t about giving up the things you love. It’s about finding creative and cheaper ways to get the same result.  Applying this concept to may different expenses can snowball into hundreds of dollars each month.   Start small with the easy wins. And once you see your results, you’ll be trying to find other ways to stack more savings.  Info packed article comparing food prices across di...

We’ve been conditioned to believe that home ownership will save us money, give us security and make us successful in life. It's toted as one of the best investments you can make. But after running the numbers, that couldn’t be further from the truth. The gap between buying and renting is bigger than it’s ever been. And when you add up all the extra costs and consider the hidden obligations, it fee...

Regardless of whether you legit spend all your wages on essentials or because you really just don’t want to cut back on those discretionary expenses, if you're having trouble finding money to invest, we've got 2 ways to solve this. The first is to use credit cards responsibly to take advantage of cash back. Credit cards aren't bad if you pay them off every month. There are no fees or interest when...

A lot of people put off doing the things they dream of until retirement. But what happens if you don’t make it that long? The Data shows a higher probability than you might think of people dying before 65.  No one really knows when you’ll go. That's why you should plan for the worst by investing so you can go tick off your bucket list items before it’s too late.   If you need a refresher on the st...

If you’re in the process of building a new portfolio or improving the one you already have, this episode is for you. Tim outlines what he considers to be the best evergreen stocks for everyone to start investing. Yes prices vary, but if you wait to pick up shares when a stock’s P/E is below its peers, you’ll hedge in a margin of safety. You'll pick 1 stock in each sector, working your way down the...

Is deciding which type of investing account to open holding you back? And what about the retirement options your employers has? It can get confusing pretty fast. You've got Retirement and Non Retirement Accounts; Traditionals and Roths; 401(k)s and IRAs.  So today we’ll look at the important aspects of each type and why you should pick one over another.  Our strategy to set you up for success goes...

There are so many investing resources available, but not all of them are worth your time or money.  Since Tim's subscribed to many he can tell you exactly which ones to go with. And don’t worry, most of these are free so you can put your hard earned money into investments.  If you're just starting out or don't want to be overwhelmed by info, Tim recommends these 2 resources first.  Dividend Channe...

It can be hard to decide which brokerage company to go with when there's so many choices. And when you're new to investing, you may not realize which features are important and which ones aren't.  This episode breaks down the different things to look for in your brokerage company and what attributes you may need to consider or rule out contenders based on your needs.  For us, research, tools, acce...

We're in the middle of some major technology innovations that will change life as we know it. With each, there's opportunities that early adopters profit from.   Those who resist out of fear or a lack of understanding will have a much harder time catching up when they realize these technologies aren't just blips on the radar. Don't be one of the people who that misses what might be the biggest wea...

Everyone talks about dividend aristocrats but did you know there’s actually 5 other categories? The aristocrats only fall in the middle and have metrics that by definition make them trendy growth stocks, which isn't what we're looking for.  The main thing to focus on with these dividend categories is how many years of dividend growth they need to get the title.  When you invest in great stocks tha...

Ever wonder why some companies keep going up in price and others struggle? It boils down to a few things, one of them being their competitive advantage.  Once a business has a hit product or service, everyone and their mom tries to copy them. But sometimes others can’t duplicate those wins for various reasons which is what they call a moat.  Today we cover 7 different kinds of moats to give you an...

Most retirement plans were created based on individuals living 15 to 20 years into retirement, but people are starting to live much longer than that. This longevity risk has become such a problem that pensions are starting to change the way they payout and how much. If you aren't one of the lucky ones with a pension, living longer than expected still puts a strain on your own retirement funds. And...

Using the right screening metrics will narrow down your pool of potential stock investments from 19,500 to a couple hundred in a matter of minutes.  Then if you do a little bit of research, you'll have a handful of stocks to buy right now. It's that simple and frees up a ton of your time and energy. It also releases you from needing to listen to anyone else's input for which stocks to buy.  Drop y...

Risk holds many people back from investing because it causes a lot of fear, but most risk can be mitigated by doing a few specific things.  Having a strategy in place to pick the right stocks, setting asset allocation rules and ensuring proper diversification are a big part of risk mitigation. But another important component is keeping your emotions in check.  And one of the easiest ways to remove...

Many people suffer from analysis paralysis because there's so much information on investing out there. You may listen to 10 experts, but they all say completely different things about the same stock.   In this episode we lay out how to get around the anxiety, overwhelm and fear of making the right investment choices, because being stuck in that place just sabotages your future.  The key lies in ha...