Roaming Returns

The right screener 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 stock to buy right now. It's that simple and frees you up from needing to listen to anyone else's input on which stocks to buy. 

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**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.

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 emotional reactivity is to have an emergency fund set up. That one thing alone negates the need to pull money out of the market at the wrong time and all the stress that comes with taking losses.

We talk about many stocks in this episode, but not all of them are good buys right now. The ones we mentioned that are

• EXAI
• DOGG
• Any Utilities we discussed in Episode 33

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 If you're looking for a more detailed summary of this episode, click here.   

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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.

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 having the right foundation. When you're able to determine your own goals, metrics and plan, you no longer lack the confidence to make investing decisions. 

Tickers mentioned in this episode:

• VZ
• T
• MMM
• ECC
• HTGC

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If you're looking for a more detailed summary of this episode, click here.    

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**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's Q4 earnings season and the overall market is beating projections by 6%, which is making market analysts change their tune for 2024. The fear of a recession is gone. Looks like Tim might have been right about a bullish 2024. 

Earnings season is a time to check in on the health of your portfolio assets. Sometimes people miss the big picture of a company's report and panic sell. But that's exactly when we're there to buy the dip like with ARLP.

Join us for a performance overview of many of our favorite stocks and how you can take up some great positions for what's to come.

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Companies that beat their earnings

• HTGC
• NEE and NEP
• BKH
• OGN
• MO
• BTI
• Most utilities stocks we mentioned in Episode 33

Companies that had a bad earnings (might be bad)

• ABR (we think manipulation)
• UAN coming up
• MPW coming up

Potential Growth Stock Opportunities 

• SOFI
• PLTR
• EXAI

Take advantage of Worthy Bond's new 7% interest rate. If you don't have an account yet, get a free $10 bond when you sign up using our affiliate link.

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. 

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**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 you struggle with knowing who you are so you can align with an investing strategy, it might be easier to start with listing out the things you love. 

This is also a better way to view the money you spend. Put more time, energy and money into the things you love and let the things you don't care about fall to the way side. 

This episode is packed full of the things we love, especially Tim's love of investing. He drops nuggets on things to be aware of 

• Publications he gets corroborate the picks he's been toting
• Commercial REITs are on the decline
• Interest rates will be lowered sometime this year
• Walmart is doing a 3 to 1 stock split
• Open a Roth IRA before they change the rules
• Housing market & Crypto to pop off this year

and stocks that are undervalued

• NEE and sister NEP
• MMM
• VZ
• T
• OGN
• PFE
• BMY
• IIPR
• NUE
• IBM 
• ABR
• Even MPW and IEP are turning around

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**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.

Stoicism is an ancient philosophy that can not only change your day-to-day life, but it can have a massive impact on how you invest.

Two main Stoic principles that can provide the greatest benefit when investing  are learning to let go of the things you can't control, like the stock market, and instead focusing on managing your emotional responses.

If you're interested in learning more about Stoicism, Carmela recommend listening to Tim Ferriss's Podcast episode with Ryan Holiday here.

Want some laughs? Watch this clip from Last Week Tonight where they have a Jim Cramer reel of failures. 

We talked about several undervalued stocks that meet our requirements 

• ARLP
• ABR
• PDI
• NEP & NEE sister companies
• BKH

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**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.

Most people don't operate with their personal investment style in mind. When you invest in a way that's out of alignment with yourself, you have a higher chance of making costly mistakes. And failures trash your confidence and hope for retirement. 

Many brokerages have resources to help you clarify your investing style. Here are links to 3 companies that provide a questionnaire to get you started. We walked through Schwab's in this episode. 

• Charles Schwab
• Fidelity
• Vanguard 

If you want to do a deeper personal assessment, it might be more helpful to ask yourself the following questions. 

What are your investment goals?

• Preserve the money you invest at the start
• To grow your money over time
• Do you want your investments to provide regular income

What is your time horizon?

• Do you need your money soon to buy a house, pay for college, etc
• Do you need your money to maintain your standard of living in retirement years much further down the road
• Or are you somewhere in the middle

Immerse yourself in the different investor profiles (most have 3 categories)

Conservatives

• Prioritize security more than growth
• Have little to no risk tolerance
• Focus on shorter term investments ranging from 0-5 years
• Portfolio consists of 80-100% in fixed income investments

Moderates

• Fall between conservative and aggressive
• Are willing to give up some liquidity & security to make higher returns
• Are comfortable with medium range investments from 5-10 years
• Portfolio consists of 60-65% in fixed income with the rest in dividend or growth stocks

Aggressives

• Prioritize profitability above all else
• Have the greatest tolerance for risk/losses because they know higher profits come in long run
• Focus on long term investments 
• Are savvy investors who have more money so they can give up immediate liquidity
• Are all about returns

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**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 make the mistake of passing up on Utility stocks. They may look like they have smaller dividend yields, but they increase their dividends year after year. 

That means the longer you hold them the higher your actual yield becomes. They aren't sexy, but sometimes boring is beautiful. And they make a great portfolio hedge during recessions.

What Tim looks for when he's combing Utility stocks

•  yield
• P/E vs industry
• profit margin 
• 5 year dividend growth
• revenue growth
• payout ratio 

The tickers we discussed in this episode

• NEE (electric) and NEP (renewable energy) 
• BIP (electrical and natural gas) and BEP *** BIP is currently overvalued and BEP has a negative P/E. These are better Watchlist candidates then buys right now. 
• UGI - natural gas
• VZ - telecom but considered a utility stock
• PBR oil and gas
• BKH electric

A few other mentions

• DUK
• NFG 

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**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.

There are many high yielding BDCs but they don't all pay supplemental dividends like the ones Tim's laid out in this episode.  When you add those in, some pay out way more than they appear on the surface.

 If's you're not familiar with BDCs, go back and listen to this episode first.

BDC's average P/E Ratio is between 15.8-17.3 (depending on where you look) so you can compare others to see if they're under or overvalued. 

Aside from dividend yield and P/E Ratio, the main things that Tim looks at when he's analyzing BDCs are:

• Payout Ratio
• Supplemental Dividends
• Dividend Growth Over Time
• Limited to No Dividend Cuts

Tim's Top BDCs discussed in this episode are:

• MAIN
• HTGC
• CSWC
• ARCC
• TRIN
• HRZN

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**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.

REITs have been beat down because of the high interest rates. But since the FED announced their intention to lower them in 2024, REITs are going to turn around soon enough.

If's you're not familiar with REITs, go back and listen to this episode first.

Once Tim has a list of stocks that measure up to his metric requirements, he combs the list using several other criteria to get him to the best of the best REITs.  

•  P/E vs peers to compare value 
• Free cash flow
• Profit Margin
• Year-over-year sales growth
• Number of years of dividend increases

This episode goes over Tim's top 3 REITs

• IIPR
• ABR
• EPR

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**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.

Even if you have no interest in owning cryptocurrencies yourself, you need to be aware of what's going on in this sector because it's going to revolutionize a lot of other industries. 

For those of you who are interested in investing in crypto one way or another, you have some options. 

You can invest in the actual cryptos (FYI 1000s to choose from):

• BTC
• ETH
• XRP
• ADA
• LINK
• MATIC
• SHIB
• LTC
• SNX
• XTZ
• OP
• BTT
• FET

Or in stocks that are part of the crypto sector.

• COIN
• PYPL
• NVDA
• SQ
• HOOD

Our favorite way is through YieldMax ETFs that trade options in the stocks above that pay out big dividends. 

• CONY
• NVDY
• PYPY
• SQY

 There's even a stock that does Bitcoin futures

• BITO

And if you're interested, the SEC approved 11 new Bitcoin ETFs. We're waiting to see what these do. But there are many other crypto ETFs in the works. 

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**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.

Most experts think 2024 will be a bearish year, but we're in the minority who think that 2024 will be up. 

Tune in to today's episode where we cover 7 reasons that signal the bulls should prevail, and not just by a little. 

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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's so hard to find good bonds that are undervalued right now as the expert sentiment has shifted to their full on buy recommendations. 

We bought our bonds 6 months to over a year ago and have made some amazing profits. So as bond opportunities are drying up, we don't want you to lose money trying to get into them now. 

But if you really want some bond-type assets in your portfolio, here are a few options that are decent and are currently undervalued.

Bonds

• Pemex Bonds
• Petroleos Mexicanos

Bond ETFs

• MFHVX
  CRDOX

Bond Close Ended Funds

• DSL
• DLY
• PDI
• PDO

Foreign Bond Close Ended Funds

• AWF
• EMB

Municipal Bonds

• NEA
• NAD
• NZF

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**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.

YieldMax™ ETFs sound too good to be true, but we've been in them for several months now and share our experience and earnings in this episode. 

Because the majority of these funds are in treasuries and profits are paid monthly from the proceeds of options trading on just 1 parent stock, these aren't as risky as they appear on the surface. 

We think everyone should hold some of these in their portfolio, but only up to 5% of your total investments. However, if you use these funds to generate seed money to funnel into your portfolio, you can really make it grow quickly. 

We've already been able to pull our whole initial investment out of CONY in a 3 month period and are now letting the house money generate us passive income. You can do the same. 

Tune in and find out how.

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**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.

We go over all of the tickers that we currently own in our portfolio, Carmela's mom's retirement account and our good nomatic friends over at FnA Vanlife.

Even though we aren't up much in value, we're up A LOT in dividend income.

Here's the link to our spreadsheet. 

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**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.

Not many people talk about their failures, but failures are chocked full of important information that helps you learn. After assessing the situation, we decided that we'd make the same decisions all again. 

These are our biggest losing stocks in 2023.

• CWH we're down 44%
• IEP is down 53%
• QRTEP was down 15% until the recent rally; now we're up 3.56%
• UAN is down 15%
• MPW we're down a whopping 40%

What's crazy is that we have been up double digit percents in all of these at some point, but things change. Dividends and reinvesting has minimizes our loses a lot. 

And as of right now, we're holding these until something changes.

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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.

Human biases are an innate part of us, so we have to learn to navigate them. Otherwise, they'll throw monkey wrenches into your life and finances. 

Awareness is the key to being able to do this. And once you're able to slow down and see what's going on, you'll be able to make much better investing decisions and understand why other people are acting like they are. 

Today we discuss multiple biases and some mental shortcuts.

If you missed part one go back to episode 022. 

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**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.

Human biases are an innate part of us, so we have to learn to navigate them. Otherwise, they'll throw monkey wrenches into your life and finances. 

Awareness is the key to being able to do this. And once you're able to slow down and see what's going on, you'll be able to make much better investing decisions and understand why other people are acting they way they are. 

Today we discuss 3 cognitive biases that have a direct impact on investing.

• Herd Mentality
• Overconfidence
• Confirmation Bias

The others will be covered in part 2 in the next episode. 

Drop your comments or questions for this episode on one of our posts.  

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 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!   

Stay connected. Follow us on social!

Questions, comments, or requests? Contact Us! We value your feedback.

Want FREE weekly investing tips, picks, and strategies delivered right to your inbox? Subscribe to our email list.

**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 best investors get into stocks well before the majority of other investors because they think ahead. When you're proactive you find overlooked and often undervalued opportunities while 99% of other people are reactive investors. 

Those types don't buy stocks until after they hear experts, the news or their friends toting a company. Sure you may pick up some companies at a decent price, but you're more likely to experience losses.

Top investors make an effort to become aware of macro trends because it makes them so much more profit and creates a safety margin against losses. It's up to you which type of investor you want to be.

Right now there are trends in the Baby Boomers needing end-of-life services, Cryptocurrency and AI utilization.

Tickers mentioned in this episode:

REITs

• ABR
• CCI
• AMT
• SLG 

Healthcare

• PFE
• GSK
• SNY 

Weed

• IIPR
• SMG
• STZ 

Technology (opt for dividend paying funds over growth stocks)

• AIO
• NBXG
• BSTZ
• HTGC
• HRZN

Crypto

•  BITO 

Bonds (only a few  opportunities  since they're becoming overpriced)

• PDI bond fund is easier than finding individuals

Utilities

• UGI
• SPH
• BKH
• D
• VZ
• T

Index Funds are the lazy man's or set-it-and-forget-it alternative. While most have low dividends, we recently found a few that pay pretty good. 

• SWHYX
• NHYMX
• NMSSX
• NOBL

Compare these to SPY and VOO Index Fund's dividends. ( Warren Buffet's preferences) 


Drop your comments or questions for this episode on one of our posts.  

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 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!   

Stay connected. Follow us on social!

Questions, comments, or requests? Contact Us! We value your feedback.

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**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.

Your health is directly linked to quite a few aspects of finance and investing.  It plays a big role in how well your brain is functioning. The better your brain, the more you can learn and become a good investor.

Health also impacts your emotional and psychological stability and resilience. If you go into investing in a poor state, stock market movements can actually increase anxiety and stress which will drag your health down further.

When you make health a priority now, you'll have a better quality of life now and in the future. Not only will you be able to live long enough to reap the rewards of your investments, but you won't have medical expenses draining .

Few talk about health being an important aspect of investing, but it has a much bigger impact than many people realize.

If you're addicted to soda pop but hate plain old water, Bobelo is Tim's favorite healthy alternative. Buy Bobelo through our affiliate link to help support our podcast! Use coupon code HealthDecoded to get 15% off.

Worthy has increase it's bond yields to 7% from 5.5% through November 2024. Use our affiliate link to sign up and get a free $10 bond.

Here's that amazing investing calculator we talked about. Play with it to see how your money can grow over time.

Drop your comments or questions for this episode on one of our posts. 

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If you're looking for a more detailed summary of this episode, click here.    

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**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.