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Bertrand's POV

Twice every year, I regularly receive emails about stocks. This is one of four stock issuers that I own, whose dividends I am targeting.

So, because I own four different stocks, I receive emails like this seven times a year, because one of the companies I chose only pays dividends once a year.

I started this investment recently, in 2020. The reason we just started it that year was because it was only that year that we had cold money or were unemployed. Before that, it was a waste of money to have cold money, I didn't even have any savings for an emergency fund because the company owned by the Hardwin family had collapsed and I was the one who had to cover it all.

The main point of investment is that you must use cold money. What is cold money? Cold money means money that will not be used or idle for a certain period of time.

So daily needs such as children's pocket money, shopping money, petrol money, and so on are not included in cold money. Savings that y