If It Looks Wonky, Hit Refresh

I’ve been making some updates to the way Dividendium looks lately.

If something looks odd, hit “refresh” on your browser a couple times.

If it still looks odd, send me an email at contact@dividendium.com and I’ll get it fixed up.

Here’s a rundown of what I have changed (so far)…

New Fonts

Not sure I like them yet. If you have an opinion, positive or negative, feel free to share.

Also nudged the font size down 1 pixel, which makes the bold text more obvious.

“GO” Button Highlight

Fixed the highlight above the “GO” button when you hovered over it.

This is one of those things that has been bothering me for YEARS. I just didn’t know how to fix it back when I first put this design into place. Now, my design layout skills have gotten leagues better. Took me 10 seconds to fix. (There’s a future blog post there…)


Created a button in Photoshop…and then replaced it with a CSS button that looks much better. Still, quite proud that I was actually able to create something in Photoshop that looked passable. (My design/art skills are non-existent.) Here’s a screen shot of the non-used button for posterity.

my button

The new button is only on the No Lose Stock service signup page for now…but will probably be used on all the other signup pages here soon too.

I made the CSS button with this custom button maker.

Free Trial Length

Changed the Free Trial time on the services to 14 days. This was previously 60 days. (I always grandfather everything, so if a 60 day trial had already started…it’s still going to be 60 days.)

One problem with 60 days was it meant paying investors were competing with trial users for trades. Some amount of that has to happen because I want investors to be able to try out the services and make sure they are what they expect before paying. But that can be done in 14 days just as effectively…probably more effectively because…

Another problem with 60 days is that it does a disservice to the investor trying the service out. Often, if we’re given a bunch of time to do something, we don’t ever do it. (Saving for retirement comes to mind here.)

So reducing the time to 14 days focuses the investor on evaluating the service. And because I provide services that I use and believe in, I am doing them a favor by focusing their attention on those services.

Inflatable Dividends

Removed the Inflatable Dividends trades link from the homepage. I (quietly) opened that service back up not too long ago, but I think the link on the homepage is distracting from the No Lose Stock service. (I don’t personally use Inflatable Dividends, but I do use No Lose Stocks.)

No Lose Stocks

No Lose Stocks (NLS) now emails you to tell you when to sell a trade. This is HUGE on usability, and I should have done it a long time ago.

NLS trades are sold when the stock reaches the strike price of the call option, but part of the philosophy calls for not watching the stocks. Which means you needed an Alert of some kind to tell you when the stock got there. I was (lazily) punting this responsibility to Fidelity, but that wasn’t the best experience I could create for NLS investors.

The other improvement to NLS, the daily emails tell you if there are New Trades for you. Previously, NLS investors had to sort through the list of daily trades and see if there were any they hadn’t yet purchased. Again, annoying experience.

Now, the email says right there “New Trades” or “Repeat Trades” (in case you missed one the first time). This was such a pebble in my shoe for so long, that I just love looking at that line in the daily email now.

So now, you just buy the Call Options that NLS suggests, and go enjoy life. It’s a pretty great experience now.


Articles link in the navigation links at the bottom of the page.

This is a bit of an experiment. I want to put more content on Dividendium to get more traffic from search engines, but I don’t want to put it on the blog because much of it will be very specific and beginner focused.

So we’ll see if those articles start showing up in search results soon or not.


Multiple Lucky Days

Some years ago a friend of mine performed an “experiment” on me.

He knew I always parked in the same spot at work, so one day he put a penny on the ground, right near my spot, to see if I was “cheap enough” to notice it, and pick it up.

I was.

He decided to try it again for a few days in a row to see what would happen.

I picked it up…every time.

He evidently got a kick out of this.

Funny enough, I got a kick out of it, too.

“Oooh, a penny!”

It felt like my lucky day multiple days in a row.

Some psychologists tried a similar experiment.

They left nickels on copy machines, and then asked the people who found them how happy they were in their life in general.

The unexpected reward measurably increased the nickel-finder’s overall feelings of well-being.

Now if a penny, or a nickel, can do that, what would say…a $2000+ surprise do?


(I couldn’t find an image of He-Man that I liked, so just visualize that here.)

In the last month or so, 5 (!) No Lose Stocks trades have paid off.

Considering that I expect any given trade to expire worthless, getting back $2000+ dollars was a deliriously delightful surprise.

Having those dollars unexpectedly delivered on 5 different days meant I got to have that profit “zing” multiple times.

Even more fun is looking at what I paid for these trades, and figuring out the percent return I made on each one:

bought for $74…sold for $288…289%

bought for $45…sold for $180…300%

bought for $55…sold for $780…1318%

bought for $15…sold for $350…2233%

bought for $22…sold for $608…2664% ?!?!?!

($0.01 @ 2664% = $0.27….see Chris, I told you that penny would be worth a quarter some day…)

Those are some pretty enormous gains, so let me temper them a little.

First, these are only the wins. The trades that didn’t pay off are not being factored in here. (That being said, I checked recently, and anyone that invested with NLS for the 2012-2014 window will no question have a 180%+ return on their trades INCLUDING the trades that didn’t pay off. The only question at this point is how much higher than that the final return will be.)

Second, these trades were placed over about a year’s time. Still, those are crazy high returns even for a year’s time.

Third, ALL of the money in these trades was at risk. Although, all of the money in a regular stock trade is at risk too. In this case, I’m only using money that I expect to lose.

Fourth, I spent zero time watching the market, couldn’t tell you a thing that’s going on in the news, and only spent a few minutes per trade actually entering the trade or reviewing the daily emails to see if there were any trades I needed to place.

Okay, so that fourth one is not a tempering…it’s just more NLS awesomeness.

Getting back to the point, unexpected wins make you feel good.

Setting up your life to deliver more unexpected wins is a good idea.

An investment strategy that delivers massive unexpected wins in spades, like No Lose Stocks, is a great idea.