before it goes ex-dividend,

是在除息之前买的
you get--you have to pay a higher price, but you get the dividend.

你的买入价高但能分到红
If you wait until the next day,

如果你第二天再买
you pay a lower price but you don't get the dividend.

买入价低但没有分红
Unless there are some tax effects, which might matter--

除非这里涉及到税负可能会影响...
and taxes always complicate things--but disregarding tax effects,

税款常常把问题变得复杂但不考虑税的话
it doesn't matter which you do.

什么时候买是没区别的
In fact, there's a rule,

事实上有个规定
FINRA, which licenses stockbrokers,

给证券商颁发牌照的FINRA[美国金融业监管局]
tells their people, you must not sell dividends;

规定从业人员说股利不能做卖点来推销
they're referring to a bad practice

这里提到了一个不好的现象
that some unscrupulous stockbrokers occasionally do.

某些证券商的无良手段