IMO it's not worth trading this stock. Most people & institutions that hold it are long termers seeking high yield. Ben Stein touts it & it's one of the few stocks he owns (other than basic ETFs like SPY, QQQQ & EMF.) Could lower interest rates impact their return & your yield? Sure! But if they go from a 15% to a 10% yield is that a good reason to sell? Their business is rock solid & well managed.