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Nancy Byerly

15
Dec
Cash over stories: letting the numbers, not the narrative, price the stock.

How to Strip a Stock to Its Cash Bones

Filings first. Cash over stories. A repeatable way to read any company.
5 min read
12
Dec
Dark blue thumbnail with neon text “Home Depot – Great Business, Bad Entry” beside a glowing house outline with an orange HD square, signaling a cautious stance on HD stock.

Investing Tip: If You Can’t Say It in One Line, You Don’t Have a Thesis

Most investors don’t have a thesis—they have a story and a ticker. I force every idea into one plain-English sentence I can test a year later. If I can’t, I don’t buy. You don’t need more ideas. You need fewer, clearer ones.
2 min read
10
Dec
Adobe (ADBE): AI rocket, slowing engine – cash strong, growth losing momentum.

Adobe (ADBE): AI Booster With Saturation Drag

The creative moat holds. But growth’s grinding slower.
5 min read
08
Dec
Blue and red boxing gloves labeled PEP and KO facing off above the words “Dividend Debate” on a dark chart-style background.

PepsiCo vs Coca-Cola: The Dividend Debate That Won’t Die

PepsiCo and Coca-Cola get treated like interchangeable dividend anchors. They’re not. I break down the cash flows, payout math, and valuations—then lay out when I’d actually want either one in a long-term income portfolio.
5 min read
05
Dec
Dark blue graphic with the words “Inflation vs Dividends” and simple stock and bar charts.

Understanding the Impact of Inflation on Dividend Investments

Inflation quietly erodes dividend income. This piece shows how JNJ, PG, KO, WMT and Realty Income stack up on payout ratios, pricing power and dividend growth—and why total return, not just yield, decides who actually beats inflation.
4 min read
03
Dec
Dark blue monitor displaying an Apple (AAPL) candlestick chart moving sharply higher, with bold white “AAPL” text overlaid in the center.

Apple (AAPL): Fortress on Fumes

$100B in free cash flow. 8% growth. 36× earnings. The math doesn't math.
4 min read
01
Dec
dark blue background with words "Trade Less, Earn More" on a ball with $ signs

Active Investing Without Losing Your Mind: A 5-Step Playbook

Most investors lose money not because they pick bad stocks — but because they can’t sit still.
2 min read
28
Nov
Dark navy thumbnail with neon cyan “ETF 101” on the left and a glowing magenta-to-blue rising bar chart topped by a green orb, framed by a neon arc on a near-black grid background.

The Pros and Cons of ETF Investing for Beginners — Straight Talk

ETFs: a pooled portfolio you trade all day like a stock. One share = broad exposure, basis-point fees. Diversify for real—check the index; overlap isn’t protection. REITs differ: judge payouts with AFFO, not EPS. Total return beats headline yield.
3 min read
26
Nov
CAT stock ticker with candlestick price chart showing recent volatility against dark background

CAT's Trading Like It's Nvidia. It's Not. Here's the Math.

At $520, you're not buying strength — you're buying hope.
8 min read
24
Nov
Dark navy thumbnail with neon cyan “MARKET CAP 101,” yellow subhead “Start with size,” and a glowing multicolor bar chart rising to the right on a near-black background.

Market Cap: Fast Guide for New Investors

Market cap frames the bet. Cash flow funds it.
3 min read
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