C. A. Heart School of Financial Literacy & Legacy Engineering

C. A. Heart School of Financial Literacy & Legacy Engineering Financial Education! Teaching individuals how to select, analyze & purchase individual stocks & ETFs.

06/18/2026

Our markets will be closed on Friday in observance of Junteenth.
Kevin Warsh the new Chairman of our Federal Reserve held his first meeting today, and as was expected, they voted to keep interest rates the same. That news came out today about 2:06 PM and caused the S&P 500 to dip because the market always wants more interest rate cuts. I do not think that they are justified or needed at this time.
Today in my regular investment account, I added to my position in USD. I also started a small position in STLD in the after hours Market tonight.

06/16/2026

Would you like the symbol for an ETF that has only 30 semiconductor stocks in it? All 30 stocks are positive for the last 12 months. The highest gaining stock in this ETF is up over 841% and the worst performing stock in this ETF is up over 7% in the last 12 months. Overall, this ETF is up over 164% in the last 12 months. This is not a leveraged product. This is just a normal ETF with an extremely low expense ratio of 0.19%.
In my Roth IRA today, I started a small position in INTC.
Oh, the ETF symbol is SOXQ.

06/14/2026

The Standard & Poor's 500 index rose 0.7% this week as the US edged closer to signing a peace deal with Iran.
One Mega IPO down and two to go. Anthropic does not have a date scheduled yet for their IPO yet. And ChatGPT is scheduled to have their IPO in late 2026.
The following are the results of the Schwab Weekly Summary report. Regular investment account:
AMAT +25.22%.
LRCX +20.95%.
AEIS +20.20%.
CIEN -8.65%.
APPL -5.27%.
STRL -2.66%.
Roth IRA account:
MUU +20.61%.
AMDL +17.85%.
DRAM +16.53%.
AGX -7.63%.
JEDI -7.10%.
HYDR -4.75%.

06/13/2026

On 22 June the NASDAQ 100 index which is what the QQQ, QQQM and TQQQ ETF's are based off of is rebalancing and ALAB, CRWV, NBIS, RKLB & TER are being added into it. Check with Google or Alexa to see what companies are coming out if you want.
Here is another reason I no longer recommend Fidelity or E-Trade brokers. A couple years ago I opened an account at both broker's just to check them out and see if there were any good. I only put $100 in each. I recently closed the E-Trade account and transferred my portfolio to my Fidelity account. E-Trade charged me a $75 transfer fee which they passed on to my Fidelity account. I asked Fidelity if they would waive the fee and they said no even though I managed over half $1 million there in my children's account accounts, which I am responsible for moving there. Charles Schwab has waived multiple fees for me in the past.
In my Roth IRA today, I started new positions in CRWV & SPCX.

06/12/2026

FYI: You are able to put in "Limit Orders" for SPCX stock now as long as you make the timeframe of your limit order "Day Only".

06/12/2026

The Producer Price Index (PPI), a measure of final demand costs, increased 1.1% on the month, putting the 12-month wholesale inflation rate at 6.5%. Economists surveyed by Dow Jones had been looking for a monthly move of 0.7%.
The annual headline inflation rate is the highest since Nov. 2022.
Excluding food and energy, so-called core PPI accelerated 0.4%, compared to the consensus view of 0.5%, indicating that rising fuel prices are causing much of the inflation.
FYI, if you're going to put in a limit order to buy SPCX you cannot do that until they actually go public sometime tomorrow. I thought it would be early tomorrow since they don't have to do price discovery but an analyst on CNBC said it would be late tomorrow. Either way it will be during the Market session. Once they do go public I expect the stock price to skyrocket. SPCX has a unique lockup period for insiders to sell their stock at. I will attempt to explain it now: Insiders who got their stock as low as $70 per share years ago will be able to sell 20% of their stock after the first earnings report which will be in the 3rd Qtr. Then they can sell 7% more in another 70, 90, 105, 120, & 135 days. After the second earnings report, they can sell another 28% of their stock then after 180 days, they can sell the rest of their stock. Stock selling by insiders typically brings the price of an IPO's stock down. I am not sure if these insiders are going to be selling. I hope they will.
In my Roth IRA today, I added to my positions in TSLA & TQQQ. I also lightened up on some other positions to raise more cash. My cash position is currently approximately 6%.

06/11/2026

The Consumer Price Index (CPI), a broad gauge of goods and services costs across the U.S., rose at 0.5% for the month, putting the annual inflation rate at 4.2%, according to the Bureau of Labor Statistics. Both numbers were in line with the Dow Jones consensus.
Inflation climbed above 4% for the first time in three years.
However, stripping out food and energy prices, the so-called core CPI accelerated 0.2% for the month and 2.9% from a year ago. While the annual rate was in line with the forecast, the monthly gain was below the 0.3% estimate.
Here is an interesting fact about Amazon and Google that I realized today while doing some research. Google has outperformed Amazon in the following time frames:
10 yr, 5 yr, 4 yr, 3 yr, 2 yr, 1 yr, 9 mos, 6 mos, 3 mos, 1 mo, 10 day & the 5 day. I had no idea!
If you are looking to get exposure to the upcoming SpaceX IPO, the safest and easiest way I can think of to do that would be to purchase the QQQM or if you're willing to take a high risk position in a 3X leveraged product try the TQQQ. The QQQM has a slightly lower expense ratio than the QQQ. All three track the NASDAQ and it will take up to 15 days before they have purchased the SpaceX stock after it's IPO on Friday.
Investors continued to sell Bitcoin and Gold among other stocks today to raise funds for the SpaceX IPO.
In my Roth IRA today, I added to my position in TQQQ. And I sold my entire positions of AAOI, AAOX, QCOM & QQQ. I also trimmed various other positions to raise additional cash in preparation of the pull back that I believe is coming because of the 3 Mega IPO's that are on deck.

06/09/2026

Our markets seem to continue selling off as we get closer and closer to the SpaceX IPO on Friday. I believe this is because people are raising cash to buy the overpriced SpaceX IPO. I say overpriced because I don't think many individual investors are you going to be able to get in at the $135 a share IPO price. I believe this company will go public earlier than normal IPO's do in the day because they do not have to discover a price for the stock. It has already been set by the company. I just hope individual investors are not crazy enough to put in "Market Orders" on Friday. Remember Market Orders are the dangerous types of orders. You could put in a market order in to buy 5 shares at $150 a share and two seconds later you could find out that you got all 5 shares filled at $285 a share. It is much safer to put in "Limit Orders" so that this does not happen to you.
In my Roth IRA today, I sold my entire position of GDMN as I am in agreement with Cathy Woods from Ark Invest who believes that Gold is going to continue to go down. I also started two new small positions in MYRG & QCOM. Yesterday, I started a small position in AGX. AGX & MYRG are both in the Construction and Engineering sub-sector. Both are Profitable with P/E's around 50. Both are still up over 150% in the last year. Both stocks are also up more than 1,325% in the last 10 years!!! You might want to look at them and see if they fit in your portfolio. Personally, I think these are a better option than gambling on a company that is not yet profitable like SpaceX. Just a thought!

06/09/2026

The S&P 500 was up 0.30% today and the NASDAQ was up 0.86% in what is called a typical "Dead Cat Bounce", after a really bad session on Friday.
Today in my regular investment account, I sold my entire position in MRVL and I re-purchased it $8.78 per share lower in my Roth IRA.
I sold my entire position of LITX and I started a new small position in AGX.

06/07/2026

The DOW actually hit a new all time high again Friday before it tanked along with the other major indexes.
The Bureau of Labor Statistics reported Friday that nonfarm payrolls increased by 172,000 in May, well above the 80,000 jobs that economists polled by Dow Jones had expected. The unemployment rate also held steady from April at 4.3%, in line with expectations. April's job number was revised up to 179,000 and March got boosted up to 214,000 jobs, for a gain of 29,000. These large jobs numbers are going to make it hard for the Federal Reserve to cut interest rates anytime soon. This is because large jobs numbers mean the economy is doing well. An economy that is doing too good can add too the inflation that we are already experiencing from higher oil prices thanks to Iran. Some economist are actually thinking that the Fed may have to increase interest rates later this year to slow down inflation. This thinking is what helped push interest rates higher. Higher interest rates in turn helped push the market down even more than profit taking and cash raising did for the upcoming Mega IPO's.
The S&P Global has decided not to fast track the inclusion of SPCX into the S&P 500. This is unlike the NASDAQ's decision as they will include SPCX into their index.
Friday in my regular investment account, I added to my positions in PWR & SOXY.
In my Roth IRA on Friday, I added to my positions in SMH, SOXY, TSLA & USD. I also sold my entire position of CLSE and I started a new position in QQQ because I expect SPCX will be added to this ETF.
The results of the Schwab Weekly Portfolio Report. regular account:
MRVL +28.52%.
IECS +6.52%.
C +5.22%.
ARKB -17.86%.
CIEN -15.86%.
AVGO -13.66%.
Roth IRA Account:
AAOX +15.45%.
AAOI +11.74%.
COHR +4.29%.
MUU -23.69%.
AM DL -19.74%.
JEDI -18.49%.

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