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Originally Posted by sokoloka
Thank you for all the positive replies! Nice to have a feel good every once in awhile.
It seems like I inherited a little of the immigrant mentality from my parents and have this innate desire to own my own home outright as soon as possible. I agree that I have too much dead money sitting around currently, and realistically I'm at least 9 months out from purchasing anything.
I adjusted my position in Citi two days ago, and low and behold the little man in the market got me AGAIN. Seems like the dump JP Morgan just took for $2B smashed all the banks down too. Should have waited one more day to adjust!! Interestingly enough, the girl who I'm seeing over here in London is a risk analyst for their hedge arm. Apparently the investment arm in question has no risk division themselves haha. Surprise!
When it comes to dividend investing, is there a "historically" BETTER time to get in? I.e. a month prior to the anticipated dividend date, after earnings, after the most recent dividend etc? Or just jump in, ride the wave and hope that the market appreciates the base stock while pumping out dividends on a quarterly basis?
I have a few more money moves to make but my goal is to diversify into the GW school of investing by mid-June and see where it takes me from there. Took two sizable (for me) gambles on open market shares yesterday both in my own company and my parent's company. Both are clost to 52 week lows - hope there's some appreciable correction in the near future.
I've always been a pretty good saver while never really denying myself anything that I REALLY want. Sometimes I chuckle to think how much more investment "capital" I'd have if I didn't start this damn corvette! But where would the fun in that be? 
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Life should be part investing -- and part fun too... it's not all about just investing. But you are a CLASSIC example of how it should be done -- i.e., SAVING EARLY IN LIFE. That's what this thread is trying to get people to understand - is that TIME factor and how much it affects your ability to gain.
So the "jump in" question ------ There's no right answer --- and market "timing" never seems to work (remember the little man!).... and there's many theories written about when to buy a dividend stock. To which I smear at and say -- if it's a great company - pays a good dividend - is a best of breed name - then just buy the damn thing and if you looked at those total returns and 5 and 10 year charts... does it really make any difference in your performance if you'd saved 50 cents or a dollar on the buy? I think not.
I have a good stake in Annaly Capital Management (NLY) because of it's outsized dividend - and frankly - because it doesn't really move much - it goes 25 or 30 cents one way or the other. BUT -- at one point a month or so I showed a "loss" in the name of 20 grand or so... And you look at that when everything else (pretty much) is green and say WTF! But then I pull up my Excel spreadsheet and see that NLY pays me 19,950 PER QUARTER (35,000 shares @ .57 quarterly dividend).... so the 20K underwater goes away with the next quarterly dividend payment. Does that share price (at any given moment) really mean much right now.... HELL NO! And if it was down 40K? NO! Because I'm even in 6 months -- and if you were reinvesting that dividend you'd be buying in at lower prices.
So - that's a long answer - but if you are INVESTING -- not trying to trade.. then I wouldn't spend any time trying to game the market. The investments are so much bigger than that over time.