To retire soundly, I am an advocate of building a dividend portfolio. With the interest rate coming down, the rates offered by bond or money market fund will also slowly come down. So I have gradually moved my fund to invest in good quality dividend stocks to lock in the dividend yield which is still attractive to me.
My criteria:
1) Dividend yield of at least 5%
2) Positive and stable free cash flow
3) Consistent dividend payout ratio of at least 60% and not more than 100...

On the fourth Thursday in November every year, we gather with our families, eat turkey, watch football and gear up for Black Friday. 
Thanksgiving is a time for food, friends and family. It's also a time to pause, reflect on our lives and think about what we're thankful for.
The question we want to ask you on this Thanksgiving day is--What are you grateful for during your investing journey? Is it your supporting family? Your investing pals? Your profittable stock? A book you read? Maybe a guru? The list goes on and on. There are so many things that we appreciate and feel grateful deep down in our heart. Why don't you take this chance to say a big thank-you now!? Join the topic discussion #For this, I am grateful and get rewards!
Say thanks to your "tendies"
What stocks are you most thankful for this year? Or on the contrary, which stocks teach you a lesson? Be it success or setback, there's always a reason for us to be grateful because it made us grow stonger and become more experienced in investing.
Be grateful for your supporting family and friends
Trading or investing is never an easy job. Thankfully, our family or friends provides emotional support during challenging time, encouragement along investing life's twists and turns, and the comfort of being understood and accepted for what you want to do with life.
Appreciate "strangers" that give a helping hand
Do you have a guru that guides you at the beginning of your investing journey? Do you find any book that's helpful for you to make a decision? There are countless online lessons and books you can turn to when you are at a loss. Which one do you want to express your thanks to?
Don't forget to thank yourself
By the time we decided to invest and started to learn from the ground up, we made a brave decision and hard choice. Don't forget that we are a courageous man/ woman and we should feel thankful for that.
All the things money can’t buy: No matter how your portfolio or individual stock does, it’s important to remember that the best things in life are free. Holidays and spending time with family tends to prove that to us, and it’s something we should be thankful for every day, no matter what the market is doing.
Share your blessings and get reward now!
5 best posts will get 1,888 points;
10 featured posts will get 888 points;
All participants will get 88 points.
Duration: Now – Nov. 29, 11:59 PM (ET)
Note:
1. Only relevant posts and those add topic #For this, I am grateful count. (Please post under the topic.)
2. Minimum word requirement: 50 words
3. Winners will be announced on Dec. 2nd.
Thank you, and best of luck to all of our trading or investing endeavors. Do forget to attach a picture of your thanksgiving dinner while joining the the topic here #For this, I am grateful

Hey mooers,
Welcome back to our channel!
This week, we invited an outstanding product manager to share some exciting stories with us. Let's welcome our fourth guest – Arlene!

Host: Hey Arlene, welcome! Thank you for coming. How are you doing today?
PM Arlene: Pretty good. I can't wait to share my story in "Talk to PM" with mooers. I have been looking for a chance to communicate in-depth with our users, so it is my great honor to be here with you.
Host: Can you briefly introduce the feature you've brought us today？
PM Arlene: Sure. The feature I would like to introduce today is "Widget". We've received users' feedback that they want to monitor the market quickly and conveniently, so we started to look for a way to enable users to access their watchlists without opening the app. That's how we came up with the idea of "Widget."
With Widget, users can turn on their phones and view the watchlist quotes instantly. It also enables users to create groups, add index quotes, and choose the skin colors by themselves, making this feature quite personalized！
Host: Is there any exciting story that happened while developing the feature?
PM Arlene: Yeah, there is. Android phone models and system capabilities are diverse. After we launched Widget in Android, we got user feedback at 11 pm that a bug had occurred. It's pretty late, but we can't let the bug be there overnight. So my team and I followed up immediately. We fixed the bug within half an hour. I was stressed out, but it was also exciting.
Host: What do you think of the moomoo PM team?
PM Arlene: As a moomoo product manager, I realized that our culture is to pursue the ultimate product experience, listen to our users, and offer timely data feedback. Our team structure is flat, and the teammates are young and creative. It's pretty joyful to be a moomoo product manager.
Host: What would you be if you weren't in your current career?
PM Arlene: Wow, this is an interesting question. Well, I love my current job very much. I haven't considered changing my career so far, but if this happens, I guess I will probably start my own business and become a CEO. Hahaha. In years of working as a moomoo product manager, I have cultivated good intuition and built a judgment system that quickly captures users' pain points. Maybe it's time... LOL.
Host: Apart from being a PM, what do you like to do in your spare time?
PM Arlene: Emm, I love swimming and playing badminton. I also paint after work. I have been learning painting, especially drawing, for a long time. Appreciating the work of art itself can calm me down and allow me to observe nature quietly. Besides, I travel during the holidays. So far, I've traveled to more than 50 cities.
Host: It sounds like you have a life outside of work. Could you please tell us what animal do you think can best describe you?
PM Arlene: Leopard, I guess. I aim to be highly efficient, have quick responses, be interested in novel things, and be curious about the world. To survive, leopards have to be transcendent. Only by surpassing other animals, chasing the prey at the fastest speed, and holding on to the bite can they catch the prey and obtain food. I think being a product manager is the same. PMs need to develop products that can improve quickly and capture user pain points rapidly to attract and retain users. Transcendence is my magical weapon to win. For this reason, I constantly challenge myself, impose pressure on myself, and pursue the ultimate status, which also coincides with Futu's core values.
Host: Interesting! Can you share your life motto with us?
PM Arlene: My life motto comes from Black Widow. She once said, "Your pain only makes you stronger". I transform my stress into motives that push me forward. I will continue to polish my products and positively overcome difficulties.
Host: Good sharing! Last but not least, why do you think users should choose moomoo as their favorite and vote for you?
PM Arlene: moomoo is a simple shortcut to investing. I want to say that you are all welcome to join our big family to make investment easier and not alone!
Thanks, Arlene, for the wonderful sharing！

Vote for Arlene if you like her features and story!
If you have any questions, please feel free to send your ideas, thoughts and feedbacks to Arlene at Moo Features - Talk to PM zone. We aim to provide you with the best experiences and are looking forward to your feedback.
Links for three previous episodes of moomoo Product Story:
PM George: The “Investment Rush Hour” made me become a product manager.
PM Jane: The super power I wish to have is mind reading!
PM Jason: "Art comes from life, so does a great product"

Dear mooers,
Thank you all for hanging out with us at our Halloween party — "Spooky Season Again: Share Your Halloween Vibes and Those Holiday Moments"! Click the link and jump to the page to read the fascinating (or horrifying) mooer stories. I am not telling you that some of the stories are freaking me out......
Now it's time to check out which stories are finally standing out!
Firstly, the 5 best sharings go to @aoimizu, @Dadacai, @HopeAlways, @HuatLady, and @Syuee (sorted in alphabetical order)! Congratulations on receiving the 888 points for your outstanding sharings! Now, why don't we take a look at the winning stories?
No.1 of 5 BEST Sharings
@aoimizu shared with us the Halloween experiences in different places worldwide. The narrative of the experience in Taiwan brought us back to the scenes of the animated masterpiece — "Spirited Away". (GOSH! Spirited Away is amazing!)
Read more >>
No.2 of 5 BEST Sharings
@Dadacai vividly brought us back to the adventures of visiting Night Safari, a nocturnal zoo in Singapore, on one Halloween night. The whispering cicadas, the yawning majestic lion, the rhinoceros soaking in the water, accompanied by the shadowy bushes around... Through those words, it is as if we were on this sacred and solemn natural land together and heard the screaming from afar! 
Read more >>
No.3 of 5 BEST Sharings
@HopeAlways shared an offbeat Halloween story with us that investors might feel the same way. As @HopeAlways said, as investors, we should learn the lessons from investment failures and "always tread carefully when it comes to investing in stocks no matter how bullish the market may appear to be".
Read more >>
No.4 of 5 BEST Sharings
@HuatLady told a story of her sister, an ICU nurse, who fought on the front line against the covid-19 pandemic on Halloween and the countless other nights to save lives. Medical workers are a group of people who wave goodbye to their families, put on personal protective equipment, then firmly plunge into the silent battle against coronavirus. Let's pay tribute and salute to the life-saving but anonymous heroes! Wish them a safe return!
Read more >>
No.5 of 5 BEST Sharings
Activities like apple bobbing and pumpkin picking, festival snacks like soul cakes and candy apples, and shopping hacks are the Halloween traditions that we all like. @Syuee shared a few notes and a fun trick for trick-or-treaters on Halloween! I find them very attractive by reading @Syuee 's words. I bet I am not the only one who wants to skip the days and jump directly to the next Halloween! Have fun mooers. Don't forget to stay SAFE!
Read more >>
Among the 5 best sharings above, one of them must have got most of your attention. Please tell us which one is your favorite. Let's find out mooers' choices together!
Next, let's move on to announce the 10 featured story winners! Let's give a big round of applause to the winners below, who will be rewarded with 555 points!
1. @Elamelim88, for "Spooky season!!"
2. @FBI888, for "Happy Halloween"
3. @HuatEver, for "Supernatural of East Meets West"
4. @JP GO, for "Most Scary Face! How many candies will you allow your kids to have on Halloween?"
5. @nigedernigeder, for "Third eye"
6. @PROSPERSIM, for "My encounter"
7. @RyanT2021, for "My little poem for halloween"
8. @Shortie, for "A few pics of Halloween past"
9. @TheStrugglez Real, for "Halloween Memory"
10. @Tupack H Mcsnacks, for "Scary Times"
(Sorted in alphabetical order)
Don't get frustrated if your name is not on the list above because all qualified participants will be rewarded with 66 points if they met the requirement of at least 20 words or 1 related picture!
There are still so many beautiful stories or comments that we may not be able to share one by one, but we are 100% sure that every mooer's sharing must have inspired someone else.
Like @nelz1 said, spending time with your family is also an awesome way to celebrate Halloween!
Or as @Sam6Wei1plus put it, "trust your stock picks, stay calm and the truth will prevail! truth always does :)".
Thank you again for sharing the memorable moments of joy, sadness, or even pain. The rewards will be credited to your accounts within 10 working days. Please remember: mooers are always with you!
The Halloween party this year has finally come to an end. Let's look forward to the next Halloween and see you guys at the next spooky season! Please follow @moomoo Event and stay tuned for more exciting events to come!
Peace!