Posts by Matt Ramey

Why Do I Wait Until the 27th to Purchase Major Goods?

How To Pay Your Credit Card: The Delayed Purchase Strategy During the course of 30 some years of building financial acumen, I have discovered many financial hacks to use in my day-to-day financial life.  Today I’m going to share with you one of the best hacks to extending my own personal cash cycle. So why…

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Two Investment Risk Spectrum Strategies

In a dividend investing strategy, each stock purchase falls onto the investment risk spectrum continuum. At one end of this spectrum are lower-yielding stocks that are generally considered less risky. At the other end of the spectrum are higher-yielding stocks that the market views as having more risk, thus, the dividend yield is higher. It…

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2019 Passive Income Update: $6,065.48

In January 2019, I wrote up a post in which I detailed the goals for MoneyByRamey.com. One of this years goals was to achieve $6,000+ in yearly passive income. Midway through 2019, this goal was achieved. Through a build up in the MoneyByRamey.com dividend portfolio and through interest income, we were able to surpass the…

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Kohl’s: KSS Stock Analysis 2019

Recently, I added a new stock into my dividend portfolio: Kohl’s Corp (KSS). As a value investor, this stock has been becoming more and more valuable as the investing community continues to see the stock price falling due to overarching concerns. Today I wanted to offer my analysis on Kohl’s. The Screener: KSS As part…

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What is the Difference Between a 10-K and 10-Q?

Welcome to our MoneyByRamey.com FAQ knowledge series. In today’s article, we’ll look to answer the question: “What is the difference between a 10-K and 10-Q?” Publicly Traded Companies Need to File Any company that is public, which means its shares are bought and sold on the open markets, needs to adhere to certain rules that…

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Should FIREs Incur Interest Expense?

Interest expense; the “necessary evil”. I put necessary evil in quotations because, in today’s society, we are taught that in order to have the things that you want, you must borrow, thus incurring interest expense. Even though general wisdom states that debt is to be avoided, there is an overarching acceptance of the mad money…

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Who Is Mr. Market?

Mr. Market is the affectionate term for the general crazy reactions of the stock market as a whole. It is a term invested by master value investor Benjamin Graham, in his 1949 masterpiece, The Intelligent Investor. Mister Market is an erratic, idiosyncratic personality, which reacts to market news with quick trades that oftentimes go against…

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Quitting My Job: A One Year Check-in

May 15th 2019 marked one year since I walked into my boss’s office and announced that it was time to resign from my full time position. I held this position for 10 years and the change was indeed difficult. Today I’m writing about a one year reflection on quitting my job. Quitting My Job: A…

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Dividend Income Update: $4,066.73

Time for the MoneyByRamey.com Dividend Income Update: with the purchase of $XOM, my dividend portfolio has crossed over the $4k annual dividend income mark! It was only a year ago that I penned the article: $1,075.11 – What Does It Mean to Me? Now here I am, seeing that my portfolio has crossed over the…

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Is A Gym Membership Worth It?

Is a Gym Membership worth it?  Should you be spending money on a monthly gym membership? Hello Financial Freedom Seekers! Today I’m fielding a question from a reader asking if a gym membership is worth it.  Basically, they are wondering if they should be spending money to pay for a monthly gym membership. Is a…

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