Investing Literacy
Dividends & income investing
TSX-heavy dividend literacy: coverage, aristocrats rules, traps, and account-location effects.
HubHubDividend Growth vs High Yield: Choosing a Framework
Dividend growth or high yield? A plain-English framework for Canadian DIY investors: how the two approaches differ, the yield-on-cost crossover math, which risks each one hides, and how to pick based on your timeline and income needs. Educational, not advice.
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HubHubHow to Avoid Dividend Traps on the TSX
What a dividend trap is, the anatomy of one, ten warning signs Canadian DIY investors can check in filings, sector-specific traps on the TSX, and a scoring checklist — with hypothetical examples. Educational, not advice.
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HubHubFree Cash Flow Coverage of Dividends: The Better Safety Check
How to test whether a TSX company's dividend is covered by free cash flow: the formula, multi-year averaging, sector-specific versions (DCF, AFFO), a worked hypothetical waterfall and red flags for Canadian DIY investors. Educational, not advice.
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HubHubWithholding Tax on US Dividends: TFSA vs RRSP vs Taxable
How the 15% US withholding tax on dividends works for Canadian DIY stock investors in a TFSA, RRSP and taxable account — W-8BEN, the treaty RRSP exemption, foreign tax credits, US-listed vs Canadian-listed ETFs and interlisted Canadian stocks. Educational, not tax advice.
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HubHubHow Dividend Investing Works for Canadian DIY Investors
How dividend investing works for Canadian DIY investors: yield vs total return, coverage, eligible dividends, account location, and TSX-specific traps — educational literacy.
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SpokeCanadian Dividend Aristocrats Explained (Rules, Not Marketing)
What the S&P/TSX Canadian Dividend Aristocrats label actually requires — five-year rule, stable-dividend allowance, size and liquidity tests, yield weighting — what it doesn't tell you about dividend safety, and how DIY investors can use it. Educational, not advice.
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SpokeEligible Dividends vs Ordinary Dividends: Investor Framing
What 'eligible' and 'non-eligible' (ordinary) dividends mean for Canadian DIY stock investors: the gross-up and dividend tax credit, which TSX payers are which, how they compare with US dividends, REIT distributions and capital gains, and when it matters. Educational, not tax advice.
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SpokePayout Ratio Explained for Canadian Operating Companies
How to calculate and read a dividend payout ratio for TSX operating companies — earnings vs adjusted earnings vs free cash flow, the right version by sector, management targets, and a worked hypothetical comparison. Educational, not advice.
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SpokeREIT Distributions vs Corporate Dividends: Literacy for DIY Investors
How Canadian REIT distributions differ from corporate dividends: trust structure, tax character on T3 vs T5 slips, return of capital and adjusted cost base, AFFO payout vs earnings payout, and which account holds each best. Educational, not tax advice.
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SpokeWhy Yield Alone Is a Terrible Stock Screen
Why sorting TSX stocks by dividend yield selects for risk, not income: the price-falls-yield-rises math, what high yields often signal, and a better five-filter dividend screen for Canadian DIY investors. Educational, not advice.
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