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RJ Hamster

Rubio says he plans to meet Danish officials next…

RJ Hamster

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Wedbush Analyst Stays Bullish On Tesla Stock

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Wedbush Analyst Stays Bullish On Tesla Stock

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Your retirement at risk if Fed flips this switch

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RJ Hamster

💡 One More Secret Ingredient for the MaxDividends Strategy

🎓 MaxDividends Academy Case Study: Alexandria Real Estate (ARE)

A 50% Dividend Cut and an 18% Drop — The Lesson Every Income Investor Needs

RJ Hamster

Let’s celebrate Shohei Day together

Wednesday, January 07View In Browser TOP NEWS It’s 1/7, so let’s celebrate No. 17 with Shohei Ohtani Day! Because there’s really no such thing as too much Shohei Ohtani, MLB Network is dedicating an entire day of coverage to the two-way superstar, starting bright and early at 9 a.m. ET and lasting to midnight.

5 highlights of Ohtani’s return to pitching in ’25 Alex Bregman

Which teams might be emerging as front-runners in Bregman sweeps?

AL contender reportedly intensifying efforts to land Kyle Tucker Yankees

Boone thrilled to send captain Judge to lead Team USA Rays

Rays acquire righty-hitting outfielder Malloy from Tigers Padres

Friars’ shopping season extends past holidays Royals

Royals ‘in a better spot’ with Spring Training on horizon

Cardinals acquire LHP Bruihl from Guardians for cashMORE TOP NEWSPERSONALIZE STORIES

PLAY A SPORCLE BASEBALL QUIZ! MORE FREE GAMES AT MLB PLAY STAFF PICKS 4 big remaining free agents could tip AL EastThe markets for the top four position players still available carry major AL East implications. Let us explain. No debate over baseball’s top prospectPart 2 of MLB Pipeline’s Executive Poll reveals baseball’s runaway No. 1 prospect. They also weigh in on the best pitcher, most underrated phenom and more. How the Blue Jays’ logo helped land a Japanese starIf you’re excited about Toronto signing Kazuma Okamoto, hug a graphic designer today. A familial bond in PhillyDon Mattingly isn’t the Phillies’ new bench coach just because his son Preston is the GM. His 11-year-old son, Louis, played a part, too. 9 of the best bobbleheads from the ’25 MiLB seasonTo celebrate National Bobblehead Day today, let’s look back at some of the best from last year across the Minor Leagues.MORE STORIES

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	Forwarded this email? Subscribe here for more💡 One More Secret Ingredient for the MaxDividends StrategyMeet the Financial Score – your ultimate metric for selecting top stocks for your portfolio.MAXDIVIDENDSJAN 7 READ IN APP MaxDividends Mission: Helping people build growing passive income, retire early, and live off dividends.No one wants to work forever. And as time goes on, the question of financial security only gets louder. Can we really enjoy life in retirement without having to pick up another job just to pay the bills?IntroAs the founder and CEO of BeatMarket (beatmarket.com) and MaxDividends, I actively use our platform’s innovations to make investment decisions.At MaxDividends, we apply the Financial Score in the final stage of stock selection, choosing only companies with a score of 80 or higher. Today, I’d like to dive deeper into what the Financial Score is and why it matters.💡 One More Secret Ingredient for the MaxDividends StrategyMeet the Financial Score – your ultimate metric for selecting top stocks for your portfolio.What Is the Financial Score?The Financial Score is a rating system that evaluates a company’s fundamental strength. It ranges from 20 to 99, with higher scores indicating stronger, more reliable companies.Stocks with a score of 80+ are considered high-quality investments, while those rated 50 or below are seen as weaker choices. This score allows you to efficiently filter thousands of stocks and build investment strategies that maximize returns.Global vs. Local ScoresThe Financial Score consists of two components: Global and Local. The Global Score measures a company’s strength on a worldwide scale, while the Local Score evaluates its performance within its home country.Both scores use the same metrics but are ranked separately, helping you identify market leaders at both global and local levels.Coverage and MethodologyOur team analyzes over 20,000 companies worldwide, covering:North America: USA, CanadaEurope: UK, Finland, Sweden, Norway, Denmark, France, Italy, Spain, Germany, Poland, Netherlands, Belgium, Portugal, IrelandAsia & Oceania: Japan, Australia, China, IndiaWe collect financial data daily and review 25 years of historical reports to ensure thorough and accurate evaluations. This long-term perspective allows us to assess a company’s resilience during economic downturns.The Financial Score Consists of 3 Key Components1. Growth EvaluationWe analyze key financial metrics, including sales, operating profit, net income, earnings per share, return on equity, and their trends over time.Understanding whether a company is growing and evolving—or stagnating and incurring losses—is essential for making informed investment decisions.2. Dividend Policy EvaluationA company’s approach to dividends reflects its transparency and management strength. At MaxDividends, we assess:Whether the company pays dividendsDividend trends and payment frequencyWhether dividends come from current income rather than past profits or debtDividend per share and the percentage of profit allocated to payoutsA well-structured dividend policy—whether through consistent payments, regular increases, or reinvesting all funds into growth—indicates strong, strategic business management.We also consider share buyback programs. When a company repurchases its own shares, it signals management’s confidence that the stock is undervalued.3. Stability EvaluationThis section measures the company’s overall financial health, including:The ratio of total assets to total liabilitiesThe ratio of current assets to current liabilitiesDebt-to-equity ratioGrowth sustainabilityA financially stable company maintains a strong cushion to navigate market downturns and continue operating effectively during economic crises.Scoring System: Growth – Dividend – StabilityEach section—Growth, Dividend, and Stability—has a maximum score of 5 points. If a company meets all top-tier business criteria, it earns a total of 15 points.The system then ranks companies and converts this evaluation into the Financial Score:The Global Financial Score ranks companies worldwide.The Local Financial Score ranks companies within a specific country.Why This MattersBuy Strong Businesses, Sell Weak OnesHistorically, companies with a Financial Score of 90+ have significantly outperformed those with lower ratings. See how high-rated stocks (90+) compare to lower-rated stocks (60 and below) in terms of performance.the USA broad market, 4,500+ stocks, equal-weighted. Comparison since Financial Score launch (2021–2024).Canada broad market, 1,000+ stocks, equal-weighted. Comparison since Financial Score launch (2021–2024).Japan broad market, 3,500+ stocks, equal-weighted. Comparison since Financial Score launch (2021–2024).Stock Scoring & Dividend BehaviorSince September 2025, we’ve been tracking every dividend increase and cut among U.S. companies that have paid dividends for 10 years or more without interruption.For each event, we record:the MaxDividends Financial Score at the time of the increasethe score at the time of a cut or suspensionand the size of the dividend changeWhy do we do this?Because when your goal is growing passive income, there are really only two situations where selling a company makes sense.First — when a company meaningfully cuts or cancels its dividend.Second — when the business stagnates for an extended period, even if the dividend hasn’t been cut yet. In those cases, capital is often better redeployed into stronger businesses.To evaluate business quality in a clear and consistent way, we use a single metric: the MaxDividends Financial Score.It’s a composite score based on multiple financial factors, calculated using our internal formula. The maximum score is 99.The higher the score, the stronger and more predictable the businessThe lower the score, the less certain future results becomeWithin the MaxDividends framework, companies with a score below 80 already require closer, more careful analysis.We believe this is a transparent and practical way to show why financial quality matters when making dividend decisions.Here’s what the data shows so far.What We’ve ObservedSince launching dividend event monitoring in U.S. stocks (September 2025):138 total dividend events recorded133 dividend increases5 dividend cutsCompanies that raised dividendsAverage Financial Score: 9164 increases from companies with scores 90+ → average increase: +7.96%56 increases from companies with scores 80–89 → average increase: +5.22%13 increases from companies with scores below 80 → average increase: +4.36%In other words, about 90% of all dividend increases came from companies with scores above 80.Companies that cut dividendsAverage Financial Score: 74Among companies with scores below 80:18 total events13 increases4 cutsThat translates to a 24% probability of a dividend cut or suspension in this group.Among companies with scores 80 and above:120 dividend increasesonly one dividend cutThat’s a cut probability of just 0.83% so far.We’ll continue collecting and publishing this data and updating it quarterly. Later, we’ll also launch a public page where this tracking can be followed over time.Why does this matter?Because dividend investing isn’t just about yield — it’s about business quality first. We’ve already broken this down in two real-world case studies:🎓 MaxDividends Academy Case Study: Alexandria Real Estate (ARE)MAXDIVIDENDS·DECEMBER 5, 2025Read full story A 50% Dividend Cut and an 18% Drop — The Lesson Every Income Investor Needs MAXDIVIDENDS·DECEMBER 17, 2025Read full storySelecting stocks based on a company’s fundamental metrics is a smart way to identify the best businesses. The Financial Score enables the MaxDividends team to quickly spot market leaders and underperformers for long-term investing.Ready to Give It a Try?Check Your Subsription Status & Upgrade to Premium.⭐️ Upgrade to Premium ⭐️If you have any questions, feel free to email me at: max@maxdividends.appMaxDividends CommunityMaxDividends Mission: Helping people build growing passive income, retire early, and live off dividends.We follow our time-tested strategy for tapping into overlooked dividend plays that can make your portfolio more resistant to recessions and other market panics and pack on consistent gains for years to come.MaxDividends Idea“Retire early and live on dividends. Because no one wants to work forever.”👉 My Own High Yield Dividend Growth StoryWith MaxDividends Community you’ll always be part of a winning team and stop viewing the future as an uncertainty. Worry will fade, replaced by confidence and peace of mind. You’ll focus on doing what you love while your passive income continues to grow.Choosing a strong environment is the key to achieving outstanding results. If you surround yourself with people who dream bigger than you, you increase your chances of reaching greater heights. Surround yourself only with those who will support you on your path to success.Ready to Give It a Try?Check Your Subsription Status & Upgrade to Premium.⭐️ Upgrade to Premium ⭐️If you have any questions, feel free to email me at: max@maxdividends.appMaxDividends is a Bestseller on Substack!Hundreds of premium members have already discovered the benefits of the community and app, earning passive income through dividends with MaxDividends. Their passive income keeps growing!⭐️⭐️⭐️⭐️⭐️What You’ll Get by Joining MaxDividends PremiumThe most important thing our MaxDividends community members value us forFreedom & IndependenceNo boss, no schedules—complete control over your time. Ability to work on passion projects or simply enjoy life without financial stress.Passive Income That Grows Over TimeDividend-paying stocks provide a steady, rising income stream. Unlike traditional retirement funds, you don’t need to sell assets to cover expenses.Protection Against InflationDividend growth investing ensures your income keeps pace with inflation. Companies that increase payouts help maintain purchasing power.Stress-Free InvestingNo need for active trading or daily market monitoring. Long-term buy-and-hold strategy minimizes stress and decision fatigue.More Time for Family & Personal GoalsSpend more time with loved ones instead of working 40+ hours a week. Pursue hobbies, travel, and personal development without financial pressure.Health & Well-Being BenefitsLess work stress leads to better mental and physical health. More time for fitness, proper sleep, and healthier lifestyle choices.Avoiding the Corporate Rat RaceEscape office politics, toxic work environments, and endless meetings. Focus on meaningful activities instead of chasing promotions and pay raises.Living Life on Your Own TermsAbility to relocate, slow travel, or move to a lower-cost-of-living area. No restrictions on how you spend your day—whether it’s reading, volunteering, or building a new skill.Leaving a LegacyBuild generational wealth and leave assets for your family. Teach the next generation financial independence by leading by example.Financial Security & Peace of MindA well-built dividend portfolio provides stability even during economic downturns. No fear of outliving your savings—passive income keeps flowing.Many who already joined say it’s the best financial decision they’ve ever made—because money becomes a tool for freedom, not a source of stress.Ready to Give It a Try?Check Your Subsription Status & Upgrade to Premium.👑 Upgrade to Premium 👑If you have any questions, feel free to email me at: max@maxdividends.appWe’re in the Top Financial Blogs on Substack! 💪MaxDividends continues to be recognized for its consistent effort, commitment to quality, and the loyalty of its growing community of partners.With Max Dividends Premium, you unlock:🔹 MaxDividends Stocks of the WeekTop 10 undervalued, high-yield, ultra-high yield, and dividend growth stocks every week.Bonus: Full access to the updated weekly list of MaxDividends stocks—boost your passive income and start living off dividends.🔹 Top Dividend InsightsGet exclusive, high-quality dividend investment ideas and insights, handpicked to help you crush your financial goals, retire early, and live off dividends.🔹 Roadmap to Live Off DividendsA step-by-step weekly guide to achieving financial freedom through dividend investing.🔹 Easy Peasy: Build Your MaxDividends PortfolioReady-made MaxDividends stock sets starting at $300, $500, or $1000 each week—making it easier to build a strong dividend portfolio.🔹 MaxDividends Business OverviewDeep dives into the top dividend stocks we hold, including key metrics, business insights, perspectives, and expert consensus.🔹 MaxDividends Portfolio: Goal → 120 Months to $12K/MonthMy personal dividend portfolios with weekly updates, changes, and insights.🔹 Community of Like-Minded InvestorsStay connected with me and other MaxDividends followers. Join the MaxDividends community chat to discuss ideas, share insights, set goals, and stay motivated. Support, accountability, and like-minded investors—all in one place!🔹 Sunday Coffee ☕️My personal life & business column, where I share:Life moments & investing insightsLong-term investment philosophyThought-provoking ideas to help you succeed👑 Upgrade to Premium 👑But That’s Just The Beginning!🎁 We’re giving you our MaxDividends App — FREE when you join Premium on Substack.As an early adopter, you’ll not only get free access but also the chance to shape the product with your feedback, and our full support on your dividend journey.This is your opportunity to track your passive income, optimize your portfolio, and be part of building the ultimate dividend tool.Alex – “Brother. Just want to say I love the app! I’m happy”Scott – “Love what you do 🙂 huge strategy“🔥 Join Premium & Get the App 🔥🟢 What ELSE You’ll GetTop Dividend IdeasUnlock exclusive, high-quality dividend investment ideas available only for Premium members. These ideas are carefully curated to maximize returns, provide growing income, and accelerate your journey to financial freedom and early retirement.By upgrading to Premium, you’ll gain access to:Advanced stock recommendations tailored for dividend growthIn-depth research on high-yield dividend stocks with strong growth potentialExclusive updates and insider insights to stay ahead of the curveUndervalued Dividend ListsWith Premium access, you’ll get:Undervalued Dividend Eagles (updated monthly)Undervalued Dividend Kings (updated monthly)Undervalued Dividend Aristocrats (updated monthly)These lists highlight the most promising undervalued dividend stocks with strong growth potential, helping you maximize returns on your investment.Dividend InsightsGain exclusive insights:Top 5 MaxDividends Ideas of the MonthTop 3 Most Promising Dividend Ideas of the WeekList of Dangerous Dividend Stocks (updated monthly) – avoid risky picksThese carefully researched ideas will guide you in making smart, informed decisions to build wealth with dividends.👑 Upgrade to Premium 👑If you have any questions, feel free to email me at: max@maxdividends.app🟢 And even MORE!Unlock the best dividend tools available, created by the MaxDividends Team:Dividend Screener: Find your own hidden gems—uncover undervalued dividend stocks with high growth potential.Dividend Portfolio Tracker: Keep track of every aspect of your passive income and optimize your portfolio.Dividend Checker: Instantly evaluate 19,000+ companies with financial and dividend scores — so you can spot weak stocks before they drain your returns and focus only on the strongest opportunities.💎 MaxDividends Premium gives you more than just tools — it gives you clarity. You’ll know which stocks are worth your money and which to avoid, helping you build a stronger portfolio, grow reliable passive income, and reach financial freedom faster.Shared by 230+ Financial Bloggers on SubstackThe European Value Investor ⭐️⭐️⭐️⭐️⭐️“If you are interested in dividend strategies or passive income strategies, this Substack ia great! Its worth a visit“Johan Lunau – The Long View ⭐️⭐️⭐️⭐️⭐️“Practical dividend focus. Saving for retirement.“Shailesh Kumar – The Astute Investor’s Calculus ⭐️⭐️⭐️⭐️⭐️“Love the concept and the execution. If you are into building a portfolio that will generate ever growing income for you, subscribe to Max Dividends. I did.“MS Cliff Notes ⭐️⭐️⭐️⭐️⭐️“A useful substack for those that invest in stocks that pay dividends or are looking to get into such a strategy. Includes education and actionable ideas.“Timothy Assi – Panic Drop ⭐️⭐️⭐️⭐️⭐️“Great for helling you pick up high-yield dividend growth stocks“230+ authors and pros already recommend MaxDividends!Trusted by 100,000+ subscribers!Andrew – “Based of your MaxDividends App now I know it’s scoring is low before I didn’t have access to a well and easy financial evaluation on this stock.”Russell – “Want to get caught up with your portfolio so far and follow along until we can all retire. “Todd – “Just found this site –excited to get started!”Vinny – “Helping retail investors retire early and comfortably “We’re happy to help and thrilled to see new partners join through referralsRecommended by Our CommunityWhat Premium Partners Are SayingAnd many others“You are serious and trustwhorty”“Developing an additional source of retirement income.”Thought I would share – I was able to create an Ultra High Dividend portfolio w/15 companies today that would net me a $4,200+/month income. I just retired this month and have a current income of $10,230/mo., will be $12,500/mo. in ‘27 so another $4200/mo. would be nice! Love the app, had a lot of fun creating a portfolio today!Thanks for all the hard work putting the MaxDividends! You guys have done all the heavy lifting.Someone’s sitting in the shade today because someone planted a tree a long time ago. ― Warren Buffett.Learn the MaxDividends WayStart Here📖 What is the MaxDividends Idea & Concept \| E-Book🎯 What is the MaxDividends Strategy🔑 Explore the Premium Hub (exclusive — upgrade to unlock)Guides & Step-by-StepGetting Started: Your Step-by-Step Dividend Plan How Do We Select MaxDividends StocksDeep Insights📖 I ❤️ Dividends: Why I Believe Dividend Investing Is the Best Strategy \| E-BookHow Effective is the MaxDividends Strategy for Building Growing Passive Income One More Secret Ingredient for the MaxDividends StrategyHelp & SupportGot a question about dividends? Ask Max, your AI Dividend Assistant!Didn’t get the answer you need? Reach out: max@maxdividends.appor team@maxdividends.app — we’ll help you out.👑 Upgrade to Premium 👑Disclaimer: This article reflects the author’s personal opinions and is intended for educational and entertainment purposes only. It does not constitute financial advice in any form. Always do your own research and consult a licensed financial advisor. The author may hold positions in some of the stocks mentioned, in line with the views expressed. This is a disclosure, not a recommendation to buy or sell any securities.As a reader of MaxDividends, you agree to our disclaimer. You can read the full disclaimer here.📖 Now on Amazon!*The 5 Timeless Rules of Dividend Investing — available in paperback.👉 Get your copy on Amazon💡 Prefer digital? Grab the free PDF:How to Build Growing Passive Income, Live Off Dividends, Retire Early and Leave a LegacyYou’re currently a free subscriber to Max Dividends. For the full experience, upgrade your subscription.Upgrade to paid LIKE COMMENT RESTACK © 2026 BeatMarket Oy – MaxDividends PL 764 00101 Helsinki Finland / 3315192-1 Unsubscribe

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