Company Overview - Atrium Mortgage Investment Corporation is a non-bank lender specializing in residential and commercial mortgages in major urban centers in Canada, focusing on stable and liquid real estate markets [4] - The company aims to deliver stable and reliable dividends to shareholders while preserving equity through conservative lending practices [4] Dividend Announcement - The board of directors has declared a monthly dividend of $0.0775 per common share for October 2025, payable on November 13, 2025, to shareholders of record on October 31, 2025 [1] - Atrium currently pays monthly dividends at an annual rate of $0.93 per share, with a potential special dividend at year-end if declared dividends are less than taxable income for the fiscal year [2] Dividend Reinvestment Plan - Atrium offers a Dividend Reinvestment Plan (DRIP) that allows shareholders to automatically reinvest dividends in new shares at a 2% discount to market price, with no commissions [3] - This plan provides a straightforward way for shareholders to benefit from compounding and grow their investment over time [3] Tax Structure - As a Mortgage Investment Corporation (MIC) under the Canada Income Tax Act, Atrium is not subject to corporate income tax if its taxable income is distributed to shareholders as dividends within 90 days after December 31 each year [5] - Dividends are generally treated as interest income, positioning shareholders similarly to direct investors in the underlying mortgages [5]

I have a B.Tech degree in Mechanical Engineering from a top school in India. For nearly twenty five years, I have worked in the oil and gas sector, primarily in the Middle East. I work at the intersection of engineering, operations, and project management in an industry that does not forgive mistakes - so I have learned to be efficient, careful, and disciplined. These traits inform my investment strategy. For much of my professional career, I have maintained a serious and sustained interest in the U.S. equi ...

Imagine starting your day leisurely, sipping a cup of coffee or tea, knowing your money is quietly working for you in the background.To some, that dream might feel far off, but it doesn’t have to be. Real Estate Investment Trusts, or REITs, can help you build steady income without needing millions to get started. They give you exposure to property income, minus the cost and stress of managing it yourself.By following a few simple steps, you can start building a portfolio that helps you build a steady income ...

Core Insights - The article emphasizes the importance of mastering financial basics rather than chasing trends or taking unnecessary risks [2] Group 1: Financial Strategies - Maximizing retirement contributions to 401(k) or IRA is highlighted as a crucial step for future financial security, with compound interest playing a significant role in growth [3] - Diversifying investment portfolios across various asset classes such as stocks, bonds, and real estate is recommended to reduce risk and enhance long-term success [4] - Establishing an estate plan is essential to ensure that assets are distributed according to personal wishes, rather than default state laws [5][6] - Regularly reviewing and updating beneficiaries is necessary due to changing life circumstances and laws, ensuring that assets go to the intended recipients [7] - Building an emergency fund to cover three to six months' worth of expenses is advised to protect against unforeseen financial challenges [8]

Core Insights - Tony Robbins is a leading strategist in life and business, having coached over 50 million people globally and authored the best-selling personal finance book "Unshakeable" [1] Market Corrections - Market corrections occur on average once per year, defined as a 10% drop but not exceeding 20%, and do not necessarily indicate a bear market [3] - Robbins advises investors to remain calm during market corrections and to ride out the volatility, as most short-term fluctuations should be ignored [4] Financial Stability - To achieve financial stability, individuals must start saving immediately, particularly millennials who are still apprehensive due to past financial crises [5] - A significant portion of Americans lack sufficient retirement savings, with 60% not having $1,000 saved [4] Fees and Taxes - Many Americans are unaware of the fees applied to their financial accounts, including retirement plans, which can erode account values [6][5] - Robbins recommends business owners to review their 401(k) plan fees to avoid excessive charges [5] Financial Advisors - Over 90% of financial advisors are also brokers, which can lead to conflicts of interest due to commission-driven investments [7]

Group 1 - The article emphasizes that building a $1 million retirement portfolio is achievable for most Americans, contrary to the belief that it is impossible [1] - Time and investment returns are identified as crucial components in accumulating a seven-figure portfolio, with compound interest playing a significant role [2][3] - The article provides examples illustrating how starting early and achieving decent market returns can drastically reduce the monthly savings required to reach a $1 million goal [4][5] Group 2 - A 20-year-old investor saving $363 per month at a 6% annual return can reach $1 million by age 65, while a 10% return reduces the monthly saving to $96 [4] - For a 30-year-old investor, the monthly savings required would be $702 at a 6% return and $264 at a 10% return, highlighting the impact of compound interest over time [5] - Warren Buffett's advice to improve investment returns includes consistently investing in a low-cost S&P 500 index fund, which is considered practical for average investors [6][7]

Here are two truths: 1. No matter how financially savvy you are, the odds of you becoming as wealthy from investing as Warren Buffett, 94, who boasts a net worth of $166 billion, are incredibly slim. 2. You stand to build significant wealth if you pay attention to and emulate the moves that Buffett makes. Learn About: Avoid These 4 Common Mistakes When You Get Rich Overnight Find Out: 3 Advanced Investing Moves Experts Use to Minimize Taxes and Help Boost Returns Buffett has always been generous with his ...

Core Insights - The article emphasizes the importance of starting early with monthly investments to secure a financial future for children, potentially making them millionaires by retirement age [1][4][7] Investment Strategy - To achieve a portfolio of at least $1 million by age 67, a monthly investment of $13.47 is required, assuming an average annual return of 10% [4][7] - The total amount accumulated would be $1,000,601.31, with only $10,829.88 being the principal investment, highlighting the benefits of compound interest [4][10] Inflation Considerations - The purchasing power of $1 million in 2092 is projected to be equivalent to approximately $138,000 today, assuming a 3% inflation rate over 67 years [5][6] - This indicates that while the nominal value of $1 million may seem substantial, its real value will be significantly diminished due to inflation [7][6] Compound Interest - The article illustrates the concept of compound interest, where returns on investments generate additional earnings, leading to exponential growth over time [10][8]

Mohnish Pabrai, a prominent value investor who manages approximately $900 million in assets through his Pabrai Investment Funds, has identified a simple mathematical concept he believes should be fundamental education for every investor: the Rule of 72. During a recent appearance on The Diary of a CEO, a popular business podcast hosted by British entrepreneur Steven Bartlett, Pabrai emphasized the importance of this financial principle. The Rule of 72 is a simple way to help you calculate how long it takes ...

Group 1 - A portfolio worth $1 million is an achievable goal through regular investment in the stock market, emphasizing a slow-and-steady approach over chasing volatile stocks [1][2] - Investing $60 per week over 35 years can lead to a total investment of nearly $110,000, which, through compounding, can grow to over $1 million [9][10] - The Invesco QQQ Trust ETF is recommended for regular investments, providing exposure to top stocks on the Nasdaq exchange and ensuring a position in leading growth companies [4][5] Group 2 - The Invesco QQQ Trust ETF currently has top holdings in Nvidia, Microsoft, and Apple, which together account for approximately 26% of its portfolio, with tech stocks making up 61% overall [6] - Despite its volatility, as evidenced by a 33% drop in 2022, the ETF has risen over 110% in the past five years, indicating potential for significant long-term gains [7]