Razor Blog Batch — March 23, 2026

3 Posts Published (Batch 2 — Earlier Today)

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Post 1: Graham Number Step-by-Step Formula

File: 2026-03-23-how-to-calculate-intrinsic-value-graham-number-step-by-step.mdx URL: /blog/2026-03-23-how-to-calculate-intrinsic-value-graham-number-step-by-step Target keyword: "how to calculate intrinsic value" Word count: ~1,763 words CTA: → /tools/graham-number-calculator

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Post 2: Best Dividend Stocks Under $50 — 5-Year Growth Analysis

File: 2026-03-23-best-dividend-stocks-under-50-five-year-growth-analysis.mdx URL: /blog/2026-03-23-best-dividend-stocks-under-50-five-year-growth-analysis Target keyword: "dividend stocks under $50" Word count: ~2,509 words CTA: → /tools/screener

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Post 3: How to Build a $500k Dividend Portfolio on a Starter Budget

File: 2026-03-23-how-to-build-500k-dividend-portfolio-starter-budget.mdx URL: /blog/2026-03-23-how-to-build-500k-dividend-portfolio-starter-budget Target keyword: "dividend portfolio beginner" Word count: ~2,179 words CTA: → /tools/screener

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5 Posts Published (Batch 3 — This Session)

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Post 4: Is the Market Overvalued Right Now?

File: 2026-03-23-is-market-overvalued-right-now.mdx URL: /blog/is-market-overvalued-right-now Target keyword: "is the market overvalued" Word count: 1,512 words ✅ CTA: → /tools/graham-number-calculator + /screener

Key real data used:

• CAPE ratio: 37.51 (March 20, 2026) — source: multpl.com / Robert Shiller
• Historical CAPE mean: 17.35 | median: 16.07 | dot-com peak: 44.19
• Buffett Indicator: 230% (Dec 31, 2025), 2.4 std deviations above trend
• Total US market cap: $72.14T vs GDP $31.33T — source: currentmarketvaluation.com

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Post 5: How to Survive a Stock Market Crash Without Selling

File: 2026-03-23-how-to-survive-stock-market-crash-without-selling.mdx URL: /blog/how-to-survive-stock-market-crash-without-selling Target keyword: "stock market crash what to do" Word count: 1,904 words ⚠️ (slightly over 1,800 target — content warranted full crash data) CTA: → /screener + /tools/graham-number-calculator

Key real data used:

• 1987: Dow -22.6% on Black Monday; S&P 500 peak-to-trough ~33%; recovery ~21 months
• 2001–2002: Nasdaq -78% (5,048 → 1,114); S&P 500 -49%; recovery from trough ~Oct 2006
• 2008–2009: S&P 500 -56.8% (Oct 2007 → March 2009); recovery to prior peak ~March 2013; 177% gain from trough to end 2013
• 2020: S&P 500 -33.9% in 33 days; unemployment peak 14.7% (April 2020); recovery to prior high ~August 2020

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Post 6: The $1,000 Emergency Stock Fund

File: 2026-03-23-1000-dollar-emergency-stock-fund.mdx URL: /blog/1000-dollar-emergency-stock-fund Target keyword: "emergency fund investing" Word count: 1,704 words ✅ CTA: → /screener

Key real data used:

• Fed Survey of Household Economics: many adults can't cover $400 unexpected expense
• Common emergency costs: car repair $500–$600, ER co-pay $300–$800, plumbing $150–$500
• Specific ETFs cited: SGOV (iShares 0-3 Month T-Bill), BIL, VUSB, VMFXX, FZFXX/SPAXX
• Post is honest about stocks NOT being a true emergency fund — recommends T-bill ETFs + HYSA for liquid reserve

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Post 7: Dividend Aristocrats vs. Dividend Kings

File: 2026-03-23-dividend-aristocrats-vs-dividend-kings.mdx URL: /blog/dividend-aristocrats-vs-dividend-kings Target keyword: "dividend aristocrats vs dividend kings" Word count: 1,746 words ✅ CTA: → /screener + /tools/graham-number-calculator

Key real data used:

• Dividend Aristocrats: ~66 companies as of 2026 (S&P 500, 25+ yr streak)
• Dividend Kings: 57 companies as of 2026 (50+ yr streak, no index requirement) — source: suredividend.com
• KO streak: 63 years | PG: 68 years | JNJ: 62 years
• Key insight: Not all Kings are Aristocrats (size/liquidity filter); NOBL ETF = 0.35% expense ratio
• 3M (MMM) caveat: flagged potential streak disruption from Solventum spin-off (2024); verify before investing

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Post 8: Tax-Loss Harvesting Explained

File: 2026-03-23-tax-loss-harvesting-explained.mdx URL: /blog/tax-loss-harvesting-explained Target keyword: "tax loss harvesting explained" Word count: 1,965 words ⚠️ (slightly over 1,800 — full rule coverage warranted) CTA: → /screener

Key real data used:

• 2024 LTCG tax rates: 0% / 15% / 20% by income bracket (income thresholds cited)
• 2024 NIIT: 3.8% on investment income above thresholds
• 2024 income thresholds for 0% LTCG: ~$47,025 single / ~$94,050 MFJ
• Wash-sale rule: 30-day window before AND after sale
• $3,000 annual deduction limit against ordinary income; unlimited carry-forward
• Concrete dollar example: $200K portfolio, 15% loss = $30K harvest → $4,500–$7,140 saved depending on bracket

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Data Sources (Batch 3)

• CAPE Ratio: multpl.com / Robert Shiller (Yale) — verified live March 23, 2026
• Buffett Indicator: currentmarketvaluation.com — Q4 2025 data
• Market crash stats: Standard financial historical record (no fabrication)
• Dividend Kings count (57): suredividend.com — verified March 2026
• Tax rates: IRS 2024 tax rate schedules (illustrative for educational purposes)

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5 Posts Published (Batch 4 — This Session)

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Post 9: Why Your Brokerage Fees Are Costing You Thousands

File: 2026-03-23-why-brokerage-fees-costing-thousands.mdx URL: /blog/why-brokerage-fees-costing-thousands Target keyword: "brokerage fees hidden costs" Word count: ~1,300 words ✅ CTA: → /screener

Key real data used:

• Vanguard VOO: 0.03% expense ratio; FDGRX: 0.83%
• SPIVA: ~95% of large-cap active managers underperformed S&P 500 over 20 years ending Dec 2023
• Schwab margin rate: ~12.575% on small balances; IBKR as low as 5.83%
• ACAT transfer fee: $50–$75 at some brokers
• 30-year compound illustrations at 7% baseline with 0.03% / 0.83% / 1.5% drag

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Post 10: The 50/30/20 Budget Rule for Investors

File: 2026-03-23-50-30-20-budget-rule-for-investors.mdx URL: /blog/50-30-20-budget-rule-for-investors Target keyword: "50/30/20 budget rule investing" Word count: ~1,390 words ✅ CTA: → /screener + /tools/graham-number-calculator

Key real data used:

• Source: Warren + Tyagi "All Your Worth" (2005) — origin of the rule
• US Census Bureau 2023 median household income: $80,610
• Zillow 2024 median national 1-BR rent: ~$1,500/month
• IRA contribution limits 2024: $7,000 / $8,000 (50+)
• 401(k) contribution limit 2024: $23,000
• Monthly savings at 20% of $5,167 take-home: $1,033 → ~$1.2M over 30 years at 7%

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Post 11: Dividend Yield Traps — When High Yield Means High Risk

File: 2026-03-23-dividend-yield-traps-high-yield-high-risk.mdx URL: /blog/dividend-yield-traps-high-yield-high-risk Target keyword: "dividend yield trap high yield risk" Word count: ~1,540 words ✅ CTA: → /screener

Key real data used:

• AT&T (T): Cut dividend Feb 2022 from ~$2.08/share to ~$1.11/share (WarnerMedia spinoff)
• AT&T yield before cut: ~8.7% at ~$24/share
• Bed Bath & Beyond: Dividend suspended Aug 2022; Chapter 11 filed April 2023
• Annaly Capital Management (NLY): mREIT, historically 10–14% yield, multiple cuts tied to rate cycles
• Graham: from "The Intelligent Investor" — caveat on earning power stability

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Post 12: How to Read a 10-K Filing Without an MBA

File: 2026-03-23-how-to-read-10k-filings-without-mba.mdx URL: /blog/how-to-read-10k-filings-without-mba Target keyword: "how to read 10-K filing" Word count: ~1,740 words ✅ CTA: → /screener + /tools/graham-number-calculator

Key real data used:

• SEC EDGAR: free, public, sec.gov/edgar
• 10-K structure: 15 Items across 4 Parts (standard SEC format)
• Key sections: Item 1 (Business), Item 1A (Risk Factors), Item 7 (MD&A), Item 8 (Financial Statements)
• Free Cash Flow formula: Operating CF minus CapEx
• All section names/numbers match actual SEC 10-K format

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Post 13: Build Your First Stock Screener from Scratch

File: 2026-03-23-build-first-stock-screener-from-scratch.mdx URL: /blog/build-first-stock-screener-from-scratch Target keyword: "stock screener for beginners free" Word count: ~1,780 words ✅ CTA: → /screener (multiple) + /tools/graham-number-calculator

Key real data used:

• Finviz.com: free screener, 15-20 min delayed data on free tier
• Macrotrends.net: free 10+ year historical financial data
• SEC EDGAR: free primary source documents
• Yahoo Finance screener: free, beginner-friendly UI
• Graham value criteria: source "Security Analysis" (1934) and "The Intelligent Investor" (1949)
• Starter screen criteria: P/E <20, P/B <2, D/E <1, CR >1.5, ROE >10%, Mid+ market cap

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Notes for Sentinel QA

Batch 3 Notes

• Posts 5 and 8 are ~5–10% over the 1,800 word target; content justifies length (4 historical crashes + full wash-sale rule coverage)
• 3M dividend streak flagged with caveat — verify current status before publishing
• All CTAs point to /screener or /tools/graham-number-calculator — confirm those routes are live
• Emergency fund post explicitly says NOT to use stocks as primary emergency fund — intentionally conservative/honest framing
• Tax rates are labeled as "2024 illustrative" — no 2025/2026 final IRS schedules were available at time of writing; standard disclaimer covers this

Batch 4 Notes

• All 5 posts within 1,200–1,800 word range ✅
• AT&T dividend cut (Feb 2022) and BBBY bankruptcy (April 2023) are well-documented public events — no fabrication
• SPIVA stat (~95% underperformance over 20 years) is a well-established, regularly published finding — verify exact figure on spglobal.com/spdji before publish if precision required
• Schwab margin rate cited as ~12.575% on small balances — rates change frequently, recommend live-check before publish
• Zillow median rent figure (~$1,500/month) is approximate national average, not city-specific — appropriate for illustrative use
• 10-K guide references Macrotrends.net and Wisesheets — both are free/freemium tools, no endorsement implied
• Screener post links to /blog/how-to-read-10k-filings-without-mba and /blog/dividend-yield-traps-high-yield-high-risk — internal cross-links, verify slugs match