Ex-dividend date is Tues, Jan 29. Ex-dividend means "without dividend"

Record Date is Thurs, Jan 31st. So you take the "record date" and count back 3 Business Days to get the last day for the dividend.

That makes it Monday, Jan 28.

Thanks Day...but if you make that buy on Monday(28) it won't be settled on Tues(29).......it'll settle on a

 "without dividend" day....no?