Sure, let's imagine you have $500 to invest and you want to make money from it every month. Here's a simple way to understand how this works:

1. **Dividends** are like small gifts that some companies give to their investors. These gifts can be money or extra shares of the company.

2. You buy shares of these companies with your $500. For example, let's say you've found a good company where one share costs $4.16 (this is made up for our story).

3. With your $500, you can buy: $500 / $4.16 = 120 shares of this company. So now you're an owner of part of this company.

4. This company gives you a tiny bit of money (a dividend) every month for every share you own. Let's say they give you 7 cents each month per share. That means:

- For your first year, each share will give you: $0.07 * 12 months = $0.84
- Since you have 120 shares, you'll get: $0.84 * 120 = $100 in a year

5. This means every month, you get back about $100 / 12 ≈ $8 from your investment. That's like getting free money each month!

6. The **dividend yield** is the ratio of the amount of money you earn to the price of one share (like how much money one share gives back compared to what it costs).

7. If the company raises or lowers its dividend, or the price of the share goes up or down, your dividend yield will change too.

And that's basically it! You invest some money, buy shares in a stable company, and get a small but regular return on your investment each month. That's what we mean by "dividend investing". Read from source...

Here are some potential critical angles and points of contention for the given article on Intuit (INTU) based on system conservative goal of $100 monthly dividend income:

1. **Oversimplification of dividend yield calculation:** Although the article mentions that dividend yield can change over time due to fluctuations in stock price and dividend payments, it oversimplifies the calculation by not considering other factors such as the company's payout ratio, growth prospects, or the broader market's interest rates.

2. **Ignoring reinvestment opportunities:** The focus on a $100 monthly dividend income assumes that the investor would spend or withdraw all dividends received, instead of reinvesting them to grow their portfolio over time. This could lead to substantially higher cumulative returns and increased income in the long run.

3. **Market timing implications:** The calculation is based on INTU's current stock price ($650.60) without considering potential future market movements or the specific entry point of the investor who aims for a $100 monthly dividend income. If the stock price increases significantly, the required initial investment would also grow substantially.

4. **No consideration of company-specific risks:** The article does not address potential risks related to the company's business model, valuation metrics, debt levels, or management quality. For instance, INTU is not a high-yield dividend stock; it has maintained a relatively low yield with a focus on growth and reinvestment.

5. **Emphasis on one analyst's opinion:** The article highlights an analyst rating (Sector Perform) and price target ($700) from Scotiabank analyst Allan Verkhovski, while ignoring other analysts' opinions or contradicting ones. This could present a biased view of the company's prospects.

6. **Lack of comparison with peers or benchmarks:** The article does not compare INTU's performance, dividend yield, or valuation metrics with its competitors or relevant market indices. This makes it difficult for readers to assess whether INUT is currently overvalued, fairly valued, or undervalued.

7. **No discussion on long-term growth potential or dividend growth rate:** The article solely focuses on the current monthly dividend payment without considering INTU's growth prospects and its history of increasing dividends annually. This could give readers an incomplete picture of the stock's appeal as a long-term investment option.

8. **Vague mention of "conservative goal":** While noting that the calculation aims for a "system conservative goal," the article does not define what exactly constitutes "conservative" in this context, leaving room for interpretation and potential misunderstandings among readers.

The sentiment of the given article seems to be **positive and informative**. Here's why:

1. **Purpose**: The article discusses a potential investment opportunity in Intuit stock based on its dividend yield and growth prospects.

2. **Information Provided**: It provides calculations for how many shares one would need to purchase to achieve certain monthly dividend yields, along with explanations of factors affecting dividend yield, such as changes in the stock price or dividend payment.

3. **Price Action & Analyst Rating**: The article mentions that Intuit's stock price has gained 1% and that an analyst initiated coverage with a "Sector Perform" rating and a target price of $700, indicating some level of confidence in the company's future performance.

4. **Lack of Negative Tone**: There are no explicit negative statements or warnings about risks associated with investing in Intuit stock.

Therefore, overall, the article is presenting information in a way that could entice investors to consider Intuit as a dividend-growth opportunity.

**Investment Recommendation:**

Based on the information provided, here's a comprehensive investment recommendation considering monthly dividend income goals, stock price action, analyst ratings, and potential risks.

1. **Dividend Investing:**
- To achieve a monthly dividend income of $500, you would need around 286 shares of Intuit (INTC) if the current dividend yield remains around 4.16% ($3.75 annual dividend per share / $90 stock price).
- To reduce this to $100 per month, calculate 72 shares needed at the current yield.

2. **Stock Analysis:**
- Intuit (INTC) closed at $650.60 on Wednesday, showing a 1% gain.
- Scotiabank analyst Allan Verkhovski initiated coverage with a 'Sector Perform' rating and a price target of $700.

3. **Risks and Considerations:**
- **Market Risk:** Dividend yields and stock prices can fluctuate over time, affecting dividend income.
- **Company-Specific Risk:** Events such as changes in the company's financial health or business strategy could impact dividend policy.
- **Concentration Risk:** Investing a large portion of your portfolio in a single stock can increase vulnerability to price swings.

**Recommendation:**
If your primary goal is consistent monthly income, consider incorporating Intuit (INTC) into a diversified dividend-focused portfolio. Allocate shares according to your income goals while keeping risks in mind. Keep monitoring the stock's performance and yield to adjust your position accordingly.

Here's a simple summary:
- For $500/month: 286 shares
- For $100/month: 72 shares

Before making any investment decisions, consult with a financial advisor and consider your risk tolerance, time horizon, and other personal factors.