Nancy Byerly

27
Aug
Apple’s Growth Era Is Over — But Its Cash Era Is Just Beginning

Apple’s Growth Era Is Over — But Its Cash Era Is Just Beginning

Apple isn’t about hyper-growth anymore. It’s a cash-rich, dividend growth, and defensive quality stock with upside in services and innovation.
3 min read
26
Aug
Dark navy poster with distressed white text reading “MUTUAL FUNDS: DEAD WEIGHT?” and a small tagline “Diversification or Drag?”

Mutual Funds Today: Diversification or Dead Weight?

Mutual funds promise diversification and professional management, but most lag the market. Here’s where they still fit, where they fail, and why ETFs may have the edge.
3 min read
26
Aug
Dark navy poster with distressed white text reading “DIVIDENDS = PAYCHECK” and a small tagline at the bottom.

How Do Stock Dividends Work? Your Paycheck for Owning Stocks

Dividends aren’t free money. They’re the market’s paycheck for owning real businesses. Here’s how they work, why they matter, and how to use them to actually build wealth.
3 min read
26
Aug
Dark navy poster with “NO ACCOUNT. NO GAME.” in white, red broken padlock, and small tagline below

What Is a Brokerage Account? Your Ticket to the Money Party

Without a brokerage account, you’re not an investor — you’re a spectator. Here’s why it matters, how it works, and how to use it to actually build wealth.
3 min read
25
Aug
Digital illustration of an hourglass with dollar bills flowing into a pile, symbolizing passive investing, compounding, and long-term wealth building on a dark navy background

What is Passive Investing?

Passive investing is boring on purpose — and that’s why it works. Here’s how it builds wealth, why it beats most pros, and why you might need it.
3 min read
25
Aug
Split image with a slot machine crossed out on the left and bold text “STOCK MARKET = OWNERSHIP” on the right, highlighting that investing is not gambling.

How Does the Stock Market Work?

The stock market isn’t a casino — it’s an auction. Prices move because of business results, mood, and the big picture. Respect it with a process and it works. Treat it like gambling and it’ll clean you out.
3 min read
25
Aug
Lighthouse standing on rocky shore at dusk, waves crashing, symbolizing stability and guidance in uncertain markets.

What I Learned About Risk While Building My First Investment Portfolio

“I built my first portfolio back in 1990 — and learned the hard way what happens when the market turns. Three simple questions turned that shaky start into a plan I can trust through any market. Here’s how you can do the same.”
2 min read
24
Aug
Dark blue graphic with bold 3D text “INDEX INVESTING.” Background shows a basket overflowing with stock ticker symbols, symbolizing buying the entire market at once

What is Index Investing?

Index investing sounds simple: just buy the market. But once you look under the hood, you’ll see it’s not as bulletproof as the guides make it sound.
3 min read
24
Aug
Dark blue graphic with bold 3D text “MUTUAL FUND.” Background shows a basket filled with coins and papers, symbolizing the pooled-money structure of mutual funds.

What is a Mutual Fund?

Mutual funds are the old-school way to invest. Before ETFs came along, this was the default. If you had a
3 min read
24
Aug
Dark blue graphic with bold 3D text “ETF REALITY.” Background shows a smooth chart on one side and a chaotic chart on the other, symbolizing beginner rules vs. real markets.

How to Start Investing in Stocks — The ETF Reality Check

Beginner investing rules look simple on paper. But when you run them through real ETFs and real markets, the story changes fast
2 min read
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