diff --git a/app/Console/Commands/CaptureDailyChange.php b/app/Console/Commands/CaptureDailyChange.php
new file mode 100644
index 0000000..aaa87f0
--- /dev/null
+++ b/app/Console/Commands/CaptureDailyChange.php
@@ -0,0 +1,75 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\Models\User;
+use Illuminate\Console\Command;
+
+class CaptureDailyChange extends Command
+{
+    /**
+     * The name and signature of the console command.
+     *
+     * @var string
+     */
+    protected $signature = 'daily-change:capture';
+
+    /**
+     * The console command description.
+     *
+     * @var string
+     */
+    protected $description = 'Capture summary of daily change for user\'s holdings';
+
+    /**
+     * Create a new command instance.
+     *
+     * @return void
+     */
+    public function __construct()
+    {
+        parent::__construct();
+    }
+
+    /**
+     * Execute the console command.
+     *
+     * @return int
+     */
+    public function handle()
+    {
+        User::all()->each(function($user){
+
+            $this->line('Capturing daily change for ' . $user->name);
+
+            $portfolios = $user->portfolios()->withoutWishlists()->with(['holdings.market_data'])->get();
+
+            $total_cost_basis = $portfolios->reduce(function ($carry, $portfolio) {
+                return $carry + $portfolio->holdings->sum('total_cost_basis');
+            });
+
+            $total_dividends = $portfolios->reduce(function ($carry, $portfolio) {
+                return $carry + $portfolio->holdings->sum('dividends_earned');
+            });
+
+            $realized_gains = $portfolios->reduce(function ($carry, $portfolio) {
+                return $carry + $portfolio->holdings->sum('realized_gain_loss_dollars');
+            });
+
+            $total_market_value = $portfolios->reduce(function ($carry, $portfolio) {
+                return $carry + $portfolio->holdings->sum(function($holding) {
+                    return $holding->market_data->market_value * $holding->quantity;
+                }) ;
+            });
+
+            $user->daily_changes()->create([
+                'date' => now(),
+                'total_cost_basis' => $total_cost_basis,
+                'total_market_value' => $total_market_value,
+                'total_dividends' => $total_dividends,
+                'realized_gains' => $realized_gains,
+                'total_gain_loss' => $total_market_value - $total_cost_basis
+            ]);
+        });
+    }
+}
diff --git a/app/Console/Commands/RefreshDividendData.php b/app/Console/Commands/RefreshDividendData.php
new file mode 100644
index 0000000..fa68707
--- /dev/null
+++ b/app/Console/Commands/RefreshDividendData.php
@@ -0,0 +1,50 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\Models\Holding;
+use App\Models\Dividend;
+use Illuminate\Console\Command;
+
+class RefreshDividendData extends Command
+{
+    /**
+     * The name and signature of the console command.
+     *
+     * @var string
+     */
+    protected $signature = 'dividend-data:refresh';
+
+    /**
+     * The console command description.
+     *
+     * @var string
+     */
+    protected $description = 'Refresh dividend data from data provider';
+
+    /**
+     * Create a new command instance.
+     *
+     * @return void
+     */
+    public function __construct()
+    {
+        parent::__construct();
+    }
+
+    /**
+     * Execute the console command.
+     *
+     * @return int
+     */
+    public function handle()
+    {
+        // $holdings = Holding::where('quantity', '>', 0)->distinct()->get(['symbol']);
+        $holdings = Holding::distinct()->get(['symbol']);
+
+        foreach ($holdings as $holding) {
+            $this->line('Refreshing ' . $holding->symbol);
+            Dividend::refreshDividendData($holding->symbol);
+        }
+    }
+}
diff --git a/app/Console/Commands/RefreshMarketData.php b/app/Console/Commands/RefreshMarketData.php
new file mode 100644
index 0000000..f0c27c1
--- /dev/null
+++ b/app/Console/Commands/RefreshMarketData.php
@@ -0,0 +1,50 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\Models\MarketData;
+use Illuminate\Console\Command;
+
+class RefreshMarketData extends Command
+{
+    /**
+     * The name and signature of the console command.
+     *
+     * @var string
+     */
+    protected $signature = 'market-data:refresh
+                            {--force= : Ignore refresh delay}';
+
+    /**
+     * The console command description.
+     *
+     * @var string
+     */
+    protected $description = 'Refresh market data from market data provider';
+
+    /**
+     * Create a new command instance.
+     *
+     * @return void
+     */
+    public function __construct()
+    {
+        parent::__construct();
+    }
+
+    /**
+     * Execute the console command.
+     *
+     * @return int
+     */
+    public function handle()
+    {
+        // get all symbols from market data
+        $symbols = MarketData::get(['symbol']);
+
+        foreach ($symbols as $symbol) {
+            $this->line('Refreshing ' . $symbol->symbol);
+            $symbol->refreshMarketData();
+        }
+    }
+}
diff --git a/app/Console/Commands/RefreshSplitData.php b/app/Console/Commands/RefreshSplitData.php
new file mode 100644
index 0000000..d7ded84
--- /dev/null
+++ b/app/Console/Commands/RefreshSplitData.php
@@ -0,0 +1,50 @@
+<?php
+
+namespace App\Console\Commands;
+
+use App\Models\Split;
+use App\Models\Holding;
+use Illuminate\Console\Command;
+
+class RefreshSplitData extends Command
+{
+    /**
+     * The name and signature of the console command.
+     *
+     * @var string
+     */
+    protected $signature = 'split-data:refresh
+                            {--force= : Don\'t ask to confirm.}';
+
+    /**
+     * The console command description.
+     *
+     * @var string
+     */
+    protected $description = 'Refresh split data from data provider';
+
+    /**
+     * Create a new command instance.
+     *
+     * @return void
+     */
+    public function __construct()
+    {
+        parent::__construct();
+    }
+
+    /**
+     * Execute the console command.
+     *
+     * @return int
+     */
+    public function handle()
+    {
+        $holdings = Holding::distinct()->get(['symbol']);
+
+        foreach ($holdings as $holding) {
+            $this->line('Refreshing ' . $holding->symbol);
+            Split::refreshSplitData($holding->symbol);
+        }   
+    }
+}
diff --git a/app/Console/Commands/RefreshHoldingData.php b/app/Console/Commands/SyncHoldingData.php
similarity index 87%
rename from app/Console/Commands/RefreshHoldingData.php
rename to app/Console/Commands/SyncHoldingData.php
index a186b17..3174278 100644
--- a/app/Console/Commands/RefreshHoldingData.php
+++ b/app/Console/Commands/SyncHoldingData.php
@@ -3,11 +3,9 @@
 namespace App\Console\Commands;
 
 use App\Models\Holding;
-use App\Models\Dividend;
-use App\Models\Transaction;
 use Illuminate\Console\Command;
 
-class RefreshHoldingData extends Command
+class SyncHoldingData extends Command
 {
     /**
      * The name and signature of the console command.
@@ -46,7 +44,7 @@ class RefreshHoldingData extends Command
         foreach ($holdings as $holding) {
             $this->line('Refreshing ' . $holding->symbol);
 
-            $holding->sync();
+            $holding->syncTransactionsAndDividends();
         }
     }
 }
diff --git a/app/Imports/BackupImport.php b/app/Imports/BackupImport.php
index 7e5f07c..234ac02 100644
--- a/app/Imports/BackupImport.php
+++ b/app/Imports/BackupImport.php
@@ -2,19 +2,11 @@
 
 namespace App\Imports;
 
-use Illuminate\Support\Facades\DB;
-use App\Imports\Sheets\SplitsSheet;
-use App\Imports\Sheets\DividendsSheet;
-use App\Imports\Sheets\MarketDataSheet;
 use App\Imports\Sheets\PortfoliosSheet;
-use Illuminate\Support\Facades\Artisan;
-use Maatwebsite\Excel\Events\AfterSheet;
 use App\Imports\Sheets\DailyChangesSheet;
 use App\Imports\Sheets\TransactionsSheet;
-use Maatwebsite\Excel\Events\BeforeSheet;
 use Maatwebsite\Excel\Concerns\Importable;
 use Maatwebsite\Excel\Concerns\WithEvents;
-use App\Console\Commands\RefreshHoldingData;
 use Maatwebsite\Excel\Concerns\WithMultipleSheets;
 
 class BackupImport implements WithMultipleSheets, WithEvents
diff --git a/app/Imports/Sheets/TransactionsSheet.php b/app/Imports/Sheets/TransactionsSheet.php
index 3613dfa..c8b1380 100644
--- a/app/Imports/Sheets/TransactionsSheet.php
+++ b/app/Imports/Sheets/TransactionsSheet.php
@@ -42,7 +42,7 @@ class TransactionsSheet implements ToCollection, WithHeadingRow, WithValidation,
 
                             return $transaction;
                         })
-                        ->syncHolding();
+                        ->syncToHolding();
             }
         });
         
diff --git a/app/Models/Dividend.php b/app/Models/Dividend.php
index 31a4553..8879765 100644
--- a/app/Models/Dividend.php
+++ b/app/Models/Dividend.php
@@ -3,6 +3,7 @@
 namespace App\Models;
 
 use Illuminate\Database\Eloquent\Model;
+use App\Interfaces\MarketData\MarketDataInterface;
 use Illuminate\Database\Eloquent\Concerns\HasUuids;
 use Illuminate\Database\Eloquent\Factories\HasFactory;
 
@@ -26,38 +27,77 @@ class Dividend extends Model
     ];
 
     /**
-     * Syncs all holdings of symbol with dividend data
+     * Grab new dividend data
      *
-     * @param array|self $model
+     * @param string $symbol
      * @return void
      */
-    public static function syncHoldings(mixed $model) 
+    public static function refreshDividendData(string $symbol) 
     {
-        // check if we got an array, if yes then lets create a dummy model
-        if (is_array($model)) {
-            $model = (new self)->fill($model);
+        $dividends_meta = self::where(['symbol' => $symbol])
+            ->selectRaw('COUNT(symbol) as total_dividends')
+            ->selectRaw('MAX(date) as last_date')
+            ->get()
+            ->first();
+
+        // assume we need to populate ALL dividend data
+        $start_date = new \DateTime('@0');
+        $end_date = now();
+
+        // nope, refresh forward looking only
+        if ( $dividends_meta->total_dividends ) {
+
+            $start_date = $dividends_meta->last_date->addHours(48);
+            $end_date =  now();
         }
 
-        // pull dividend data joined with holdings/transactions
-        $dividends = self::where(['dividends.symbol' => $model->symbol])
-                ->select(['holdings.portfolio_id', 'dividends.date', 'dividends.symbol', 'dividends.dividend_amount'])
-                ->selectRaw('@purchased:=(SELECT coalesce(SUM(quantity),0) FROM transactions WHERE transactions.transaction_type = "BUY" AND transactions.symbol = dividends.symbol AND date(transactions.date) <= date(dividends.date) AND holdings.portfolio_id = transactions.portfolio_id ) AS `purchased`')
-                ->selectRaw('@sold:=(SELECT coalesce(SUM(quantity),0) FROM transactions WHERE transactions.transaction_type = "SELL" AND transactions.symbol = dividends.symbol AND date(transactions.date) <= date(dividends.date)  AND holdings.portfolio_id = transactions.portfolio_id ) AS `sold`')
-                ->selectRaw('@owned:=(@purchased - @sold) AS `owned`')
-                ->selectRaw('@dividends_received:=(@owned * dividends.dividend_amount) AS `dividends_received`')
-                ->join('transactions', 'transactions.symbol', 'dividends.symbol')
-                ->join('holdings', 'transactions.portfolio_id', 'holdings.portfolio_id')
-                ->groupBy(['holdings.portfolio_id', 'dividends.date', 'dividends.symbol', 'dividends.dividend_amount'])
-                ->get();
+        // get some data
+        if ($dividend_data = collect() && $start_date && $end_date) {
+            $dividend_data = app(MarketDataInterface::class)->dividends($symbol, $start_date, $end_date);
+        }
 
-        // iterate through holdings and update 
-        Holding::where(['symbol' => $model->symbol])
-            ->get()
-            ->each(function ($holding) use ($dividends) {
-                $holding->update([
-                    'dividends_earned' => $dividends->where('portfolio_id', $holding->portfolio_id)->sum('dividends_received')
-                ]);
-            });
+        // ah, we found some dividends...
+        if ($dividend_data->isNotEmpty()) {
+            // create mass insert
+            foreach ($dividend_data as $index => $dividend){
+                $dividend_data[$index] = [...$dividend, ...['updated_at' => now(), 'created_at' => now()]];
+            }
+
+            // insert records
+            (new self)->insert($dividend_data->toArray());
+
+            // sync to holdings
+            $dividends = self::where([
+                                'dividends.symbol' => $dividend_data->last()->symbol,
+                            ])->select(['holdings.portfolio_id', 'dividends.date', 'dividends.symbol', 'dividends.dividend_amount'])
+                            ->selectRaw('@purchased:=(SELECT coalesce(SUM(quantity),0) FROM transactions WHERE transactions.transaction_type = "BUY" AND transactions.symbol = dividends.symbol AND date(transactions.date) <= date(dividends.date) AND holdings.portfolio_id = transactions.portfolio_id ) AS `purchased`')
+                            ->selectRaw('@sold:=(SELECT coalesce(SUM(quantity),0) FROM transactions WHERE transactions.transaction_type = "SELL" AND transactions.symbol = dividends.symbol AND date(transactions.date) <= date(dividends.date)  AND holdings.portfolio_id = transactions.portfolio_id ) AS `sold`')
+                            ->selectRaw('@owned:=(@purchased - @sold) AS `owned`')
+                            ->selectRaw('@dividends_received:=(@owned * dividends.dividend_amount) AS `dividends_received`')
+                            ->join('transactions', 'transactions.symbol', 'dividends.symbol')
+                            ->join('holdings', 'transactions.portfolio_id', 'holdings.portfolio_id')
+                            ->groupBy(['holdings.portfolio_id', 'dividends.date', 'dividends.symbol', 'dividends.dividend_amount'])
+                            ->get();
+
+            // iterate through holdings and update 
+            Holding::where(['symbol' => $symbol])
+                ->get()
+                ->each(function ($holding) use ($dividends) {
+                    $holding->update([
+                        'dividends_earned' => $dividends->where('portfolio_id', $holding->portfolio_id)->sum('dividends_received')
+                    ]);
+                });
+
+            // sync most last dividend date in market data
+            $market_data = MarketData::symbol($symbol)->first();
+            $dividend_data_latest_date = $dividend_data->sortByDesc('date')->first()['date'];
+            
+            if ($market_data->dividend_date < $dividend_data_latest_date) {
+                $market_data->update(['dividend_date' => $dividend_data_latest_date]); // why is this set to latest date?
+            }
+        }
+
+        return $dividend_data;
     }
 
     public function marketData() {
diff --git a/app/Models/Holding.php b/app/Models/Holding.php
index b87d6d9..9a7c0f5 100644
--- a/app/Models/Holding.php
+++ b/app/Models/Holding.php
@@ -165,7 +165,7 @@ class Holding extends Model
             ->join('market_data', 'market_data.symbol', 'holdings.symbol');
     }
 
-    public function sync()
+    public function syncTransactionsAndDividends()
     {
         // pull existing transaction data
         $query = Transaction::where([
diff --git a/app/Models/MarketData.php b/app/Models/MarketData.php
index 84a6070..3caac5c 100644
--- a/app/Models/MarketData.php
+++ b/app/Models/MarketData.php
@@ -34,19 +34,19 @@ class MarketData extends Model
         'market_cap' => 0
     ];
 
-    public static function setSplitsHoldingSynced($symbol) 
+    public function holdings() 
     {
-        $market_data = self::where('symbol', $symbol)->get()->first();
+        return $this->hasMany(Holding::class, 'symbol', 'symbol');
+    }
 
-        $market_data->splits_synced_to_holdings_at = now();
-
-        $market_data->save();
+    public function scopeSymbol($query, $symbol)
+    {
+        return $query->where('symbol', $symbol);
     }
 
     public function refreshMarketData() 
     {
         return static::getMarketData($this->attributes['symbol']);
-
     }
 
     public static function getMarketData($symbol) 
@@ -74,14 +74,4 @@ class MarketData extends Model
 
         return $market_data;
     }
-
-    public function holdings() 
-    {
-        return $this->hasMany(Holding::class, 'symbol', 'symbol');
-    }
-
-    public function scopeSymbol($query, $symbol)
-    {
-        return $query->where('symbol', $symbol);
-    }
 }
\ No newline at end of file
diff --git a/app/Models/Split.php b/app/Models/Split.php
index 312180e..4e1d70c 100644
--- a/app/Models/Split.php
+++ b/app/Models/Split.php
@@ -28,6 +28,58 @@ class Split extends Model
         'last_date' => 'datetime',
     ];
 
+    public function holdings() {
+        return $this->hasMany(Holding::class, 'symbol', 'symbol');
+    }
+
+    public function transactions() {
+        return $this->hasMany(Transaction::class, 'symbol', 'symbol');
+    }
+
+    /**
+     * Grab new split data
+     *
+     * @param string $symbol
+     * @param \DateTimeInterface|null $start_date
+     * @return void
+     */
+    public static function refreshSplitData(string $symbol) 
+    {
+        // dates for split data
+        $splits_meta = self::where(['symbol' => $symbol])
+            ->selectRaw('COUNT(symbol) as total_splits')
+            ->selectRaw('MIN(date) as first_date')
+            ->selectRaw('MAX(date) as last_date')
+            ->get()
+            ->first();
+
+        // assume need to populate all split data because it didnt exist before
+        $start_date = new \DateTime('@0');
+        $end_date = now();
+
+        // nope, need to populate newer split data
+        if ($splits_meta->total_splits) {
+            
+            $start_date = $splits_meta->last_date->addHours(48);
+            $end_date =  now();
+        }
+
+        // get some data
+        if ($split_data = collect() && $start_date && $end_date) {
+            $split_data = app(MarketDataInterface::class)->splits($symbol, $start_date, $end_date);
+        }
+
+        if ($split_data->isNotEmpty()) {
+            // insert records
+            (new self)->insert($split_data->toArray());   
+        }
+
+        // sync to transactions
+        self::syncToTransactions($symbol);
+
+        return $split_data;
+    }
+
     /**
      * Syncs all transactions of symbol with split data
      *
@@ -77,60 +129,9 @@ class Split extends Model
             }
         }
 
-        // update market data with latest date
-        MarketData::setSplitsHoldingSynced($symbol);
+        // // update market data with latest date
+        // MarketData::setSplitsHoldingSynced($symbol);
     }
 
-    /**
-     * Grab new split data
-     *
-     * @param string $symbol
-     * @param \DateTimeInterface|null $start_date
-     * @return void
-     */
-    public static function getSplitData(string $symbol) 
-    {
-        // dates for split data
-        $splits_meta = self::where(['symbol' => $symbol])
-            ->selectRaw('COUNT(symbol) as total_splits')
-            ->selectRaw('MIN(date) as first_date')
-            ->selectRaw('MAX(date) as last_date')
-            ->get()
-            ->first();
-
-        // assume need to populate all split data because it didnt exist before
-        $start_date = new \DateTime('@0');
-        $end_date = now();
-
-        // nope, need to populate newer split data
-        if ($splits_meta->total_splits) {
-            
-            $start_date = $splits_meta->last_date->addHours(48);
-            $end_date =  now();
-        }
-
-        // get some data
-        if ($split_data = collect() && $start_date && $end_date) {
-            $split_data = app(MarketDataInterface::class)->splits($symbol, $start_date, $end_date);
-        }
-
-        if ($split_data->isNotEmpty()) {
-            // insert records
-            (new self)->insert($split_data->toArray());   
-            
-        }
-
-        // sync to transactions
-        self::syncToTransactions($symbol);
-
-        return $split_data;
-    }
-
-    public function holdings() {
-        return $this->hasMany(Holding::class, 'symbol', 'symbol');
-    }
-
-    public function transactions() {
-        return $this->hasMany(Transaction::class, 'symbol', 'symbol');
-    }
+    
 }
diff --git a/app/Models/Transaction.php b/app/Models/Transaction.php
index 455f1a7..52f352e 100644
--- a/app/Models/Transaction.php
+++ b/app/Models/Transaction.php
@@ -44,18 +44,16 @@ class Transaction extends Model
 
         static::saved(function ($transaction) {
 
-            $transaction->syncHolding();
+            $transaction->syncToHolding();
 
             $transaction->refreshMarketData();
 
-            $transaction->syncDividendsToHolding();
-
             cache()->tags(['metrics', auth()->user()->id])->flush();
         });
 
         static::deleted(function ($transaction) {
 
-            $transaction->syncHolding();
+            $transaction->syncToHolding();
 
             cache()->tags(['metrics', auth()->user()->id])->flush();
         });
@@ -124,11 +122,6 @@ class Transaction extends Model
     {
         return MarketData::getMarketData($this->attributes['symbol']);
     }
-    
-    public function syncDividendsToHolding() 
-    {
-        return Dividend::syncHoldings(['symbol' => $this->attributes['symbol']]);
-    }
 
     /**
      * Writes average cost basis to a sale transaction
@@ -154,7 +147,7 @@ class Transaction extends Model
      *
      * @return void
      */
-    public function syncHolding() {
+    public function syncToHolding() {
 
         // if symbol name changed, sync previous symbol too
         if (Arr::has($this->changes, 'symbol')) {
@@ -163,7 +156,7 @@ class Transaction extends Model
             $temp->symbol = $this->original['symbol'];
             $temp->portfolio_id = $this->portfolio_id;
 
-            $temp->syncHolding();
+            $temp->syncToHolding();
         }
 
         // get the holding for a symbol and portfolio (or create one)
@@ -178,6 +171,6 @@ class Transaction extends Model
             'total_cost_basis' => $this->quantity * $this->cost_basis,
         ]);
 
-        $holding->sync();
+        $holding->syncTransactionsAndDividends();
     }
 }
\ No newline at end of file
diff --git a/resources/views/components/gain-loss-arrow-badge.blade.php b/resources/views/components/gain-loss-arrow-badge.blade.php
index 1fe4753..01b488e 100644
--- a/resources/views/components/gain-loss-arrow-badge.blade.php
+++ b/resources/views/components/gain-loss-arrow-badge.blade.php
@@ -7,7 +7,7 @@
         } else {
 
             $isUp = $costBasis <= $marketValue;
-            $percent = ($marketValue - $costBasis) / $costBasis;
+            $percent = $costBasis ? (($marketValue - $costBasis) / $costBasis) : 0;
         }
         
     @endphp