How To Invest

In addition, Pat thinks then beginner investors should cultivate two important qualities: a healthy sense of skepticism and patience.

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Investors should approach all investments with a healthy sense of skepticism. This can help keep you out of fraudulent stocks that masquerade as high-quality stocks. It will also keep you out of legally operated, but poorly managed, companies that promise more than they can possibly deliver.

If you are a new investor, you should also realize that losing patience can cause you to sell your best choices right before a big rise. All too often, investors buy a promising stock just as it enters a period of price stagnation. Even the best-performing stocks run into these unpredictable phases from time to time. They move mainly sideways in a wide range for months or years before their next big rise begins. (Stock brokers often refer to these stocks as “dead money.”)

If you lack patience, you run a big risk of selling your best choices in the midst of one of these phases, prior to the next big move upward. If you lose patience and sell, you are particularly likely to do so in the low end of the trading range, when stock prices have weakened and confidence in the stock has waned.

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How To Invest Library Archives
CANADIAN PACIFIC KANSAS CITY LTD., $115.50, Toronto symbol CP, is still a buy.

The company took its current form in April 2023 when it acquired U.S.-based railway Kansas City Southern (KCS).

CP paid $31 billion U.S. in cash and shares for KCS....

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A: If you’re looking at a reverse mortgage for your own home, I see them as appealing only in highly specialized situations. You’d want to use a reverse mortgage only if you feel that selling your home is out of the question, and if you’ve exhausted all sources of income that do not involve heavy costs such as a big capital-gains tax bill.

Before taking out a reverse mortgage, make sure you consider all other housing or financial options open to you....
Here’s Part One of the most-recent letter I sent to our Portfolio Management clients in November 2024:

Note: The views of Robert Francis Kennedy Jr. (better known as RFK Jr.) make up a large part of references in this letter to the quality of the food, health and medical industries in the U.S....
VULCAN MATERIALS CO., $277.54, symbol VMC on New York, operates mostly in the U.S. and is the nation’s largest supplier of construction aggregates. These are raw materials extracted from pits and quarries, and primarily include crushed stone, sand and gravel....
MP MATERIALS CORP., $21.57, is a buy. The company, symbol MP on New York, is the owner and operator of the Mountain Pass mine (California), the only significant rare-earth commercial mining and processing site in North America.

Rare-earth elements are used in a variety of modern devices and applications: magnets in small and large motors; glass additives and glass polishing compounds; rechargeable batteries; television and computer screens; lighting; X-ray machines; and lasers.

This week, the company’s flagship Independence facility in Fort Worth, Texas, commenced commercial production of neodymium-praseodymium (NdPr) metal and trial production of automotive-grade, sintered neodymium-iron-boron (NdFeB) magnets.

NdFeB magnets—he world’s most powerful and efficient permanent magnets—are essential components in vehicles, drones, robotics, electronics, and aerospace and defence systems....
J.P. MORGAN CHASE & CO., $264.84, New York symbol JPM, is a buy.

Morgan is the largest banking firm in the U.S., with total assets of $4.00 trillion as of December 31, 2024.

With the October 2024, payment, Morgan increased your quarterly dividend by 8.7%, to $1.25 a share from $1.15....
PROCTER & GAMBLE CO., $164.41, New York symbol PG, is a buy.

The company is one of the world’s largest makers of household and personal-care goods. Major brands include Tide (laundry detergent), Pampers (diapers), Gillette (razors), Crest (toothpaste) and Vicks (cold remedies).

In its fiscal 2025 second quarter, ended December 31, 2024, Procter’s sales rose 2.1%, to $21.88 billion from $21.44 billion a year earlier....
LOBLAW COMPANIES LTD., $186.54, Toronto symbol L, is a buy.

The company operates 1,113 supermarkets under several banners, including Loblaws, Zehrs, Provigo, Real Canadian Superstore and No Frills. It also operates 1,354 associate-owned Shoppers Drug Mart locations.

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We continue to see attractive investment opportunities among the top device manufacturers....