Roaming Returns

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...

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 t...

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 s...

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 dat...

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. Dro...

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...

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...

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 mont...

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 comme...

Learn about how income investing works and why it beats the pants off the typical growth chasing mode of operation.  This income generation strategy is perfect for people who want to utilize their savings sooner than later or for anyone who wants to avoid selling off their assets when it comes time to retire. Episode Tickers IEP CWH UAN Start Earning Higher Yields   Get a free $10 bond when you us...

As an intro we discuss how certain aspects of our lives led to us wanting to live a nomadic life and how we could fund such a dream.  From Tim's hypothermia scare forcing us to sleep in the trunk of the car, burnout from being overworked, and quitting jobs to strike out on adventures... We tried flipping real estate, investing in start ups, chasing growth stocks, and starting businesses, but had m...

Finances and Investing can be a confusing, so in an effort to help you secure your finances and liberate your life, we've created an overview to help guide you through certain topics based on where you're at. The key to profitable investing is having the right foundation, strategy, and allowing your funds to grow over time. Where To Start Check out the full outline of where to start. We update thi...