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

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

10/21/2026

Yes, we were only one week into earning season (9%) but according to FactSet data, 84% of the S&P 500 companies that have reported third-quarter actual results have beaten their earnings-per-share (EPS) estimate. That is above both the 5-year average of 77% and the 10-year average of 75%.
Today in my regular investment account, I started a new position in HACK (Amplify Cybersecurity ETF).
I do not believe this Bull Market is dead yet. It might be lame for the next couple weeks until we get past this midterm election, but eventually, I think it will recover and start acting like a real Bull Market should act.

10/19/2026

Today in my regular investment account, I sold my entire positions in CHPY (YieldMax Semiconductor Portfolio Option Income ETF) and EPOL (iShares MSCI Poland ETF). I also sold 15% of my position in SOXY (YieldMax Target 12 Semiconductor Option Income ETF). I will be selling the rest of my position in SOXY in my individual account because I learned that holding derivative income investments in a taxable account is not ideal. It is much wiser to hold them in a Roth IRA due to tax consequences. I also added to my positions in SMH (VanEck Semiconductor ETF) and USD (ProShares Ultra Semiconductors ETF).
In my Roth IRA today, I sold my entire small position in AAPL (Apple Inc.) and added to my positions in AAOI (Applied Optoelectronics, Inc.), INTC (Intel Corporation), MRNY (YieldMax MRNA Option Income Strategy ETF), SMH (VanEck Semiconductor ETF), SPCX (Space EX Tech SpaceX), TSLA (Tesla, Inc.), and USD (ProShares Ultra Semiconductors ETF). I also started new positions in AMDY (YieldMax AMD Option Income Strategy ETF) and CHPY (YieldMax Semiconductor Portfolio Option Income ETF).
FYI: According to my research, MRNY, AMDY, SOXY, and CHPY are among the top-performing YieldMax ETFs. I suggest you look into them to see if they fit your portfolio. When you do, don't just look at their percentage gain or loss for the Trailing Twelve Months (TTM); also factor in how much they have paid out in dividends during that time. If you don't want to calculate that yourself, ask Alexa how much they've paid in dividends per share over the TTM.
The more artificial intelligence (AI) you use in your research, the faster and easier that research will be.

10/17/2026

The S&P 500 was down 2% last week and the Nasdaq fell 4.5% which broke a four-week winning streak and marked the worst weekly decline for the tech-heavy index since June. Partially because of the hotter-than-expected inflation data that rattled last week’s stock market.
Earnings season picks up next week, here are some of the companies we'll see reporting COF, Meta, 3M, GE, RTX, LMT, GM, HON, TSLA, IBM, LRCX, WDC, TXN, AXP, NFLX, PG, SLB and HAL.
The following other results of the Schwab weekly portfolio report. regular investment account:
CAH +6.94%.
AAPL +2.03%.
EPOL +1.69%.
SOXL -32.98%.
CIEN -26.02%.
FLEX -24.51%.
Roth IRA account:
DRH +6.34%.
AAPL +2.03%.
--- --- 00%.
AAOI -31.07%.
MUU -27.84%.
HIBL -26.83%.

10/17/2026

Today in my regular investment account, I added to my positions in SMH (VanEck Semiconductor ETF), SOXY (YieldMax Target 12 Semiconductor Option Income ETF), and USD (ProShares Ultra Semiconductors). I also started a new position in CHPY (YieldMax Semiconductor Portfolio Option Income ETF).
In my Roth IRA today, I added to my positions in SMH (VanEck Semiconductor ETF), SOXY (YieldMax Target 12 Semiconductor Option Income ETF), SPCX (YieldMax SPCX Option Income Strategy ETF), and USD (ProShares Ultra Semiconductors). I also started a new position in MRNY (YieldMax MRNA Option Income Strategy ETF).
Both of the new positions that I started today (CHPY and MRNY) were found because I like SOXY. I looked to see what other funds their parent company, YieldMax, also manages.

10/15/2026

The Producer Price Index (PPI) climbed 1.3% in September and 6.3% on an annual basis, marking its largest 12-month increase since late 2022, according to data released by the Bureau of Labor Statistics. Economists polled by Dow Jones forecasted an advance of 0.6% for the month and 5.5% annually. This data shows increased inflation levels, which in turn will increase the odds of the Fed raising interest rates and bringing down the stock market.
In my regular investment account today, I added to my position in USD,(ProShares Ultra Semiconductors ETF).

10/15/2026

The Consumer Price Index (CPI)—a broad measure of the cost of goods and services across the U.S. economy—showed annual inflation of 3.7% in September after rising 0.4% for the month, according to the Bureau of Labor Statistics. Economists surveyed by Dow Jones were expecting gains of 0.3% for the month and 3.6% annually. Energy prices were a major factor once again, with gasoline prices jumping 9.1% and accounting for a large portion of the monthly increase.
Core CPI, which leaves out volatile food and energy costs, rose 0.3% for the month and 4.1% annually, matching Wall Street’s expectations. Even though inflation came in slightly hotter than expected overall, it gave investors reason to worry that the Federal Reserve might raise interest rates again to keep cooling down the economy. That concern is what drove the stock market down today.
As you know, when the Fed raises interest rates, it makes it more expensive for companies to borrow money. When companies borrow less, they tend to slow down on hiring new employees, building new facilities, and expanding. That slowdown is exactly how the Fed tries to bring inflation back down.
Don't forget that tomorrow morning we get the Producer Price Index (PPI) report!
In my regular investment account today, I added to my positions in ARKG (ARK Genomic Revolution ETF), SOXX (iShares Semiconductor ETF), and XLK (Technology Select Sector SPDR ETF).
Today in my Roth IRA, I added to my positions in DRH (DiamondRock Hospitality Company), SMH (VanEck Semiconductor ETF), SOXX (iShares Semiconductor ETF), and USD (ProShares Ultra Semiconductors ETF).

10/13/2026

Today, C (Citigroup Inc.), BAC (Bank of America Corp.), JPM (JPMorgan Chase), and WFC (Wells Fargo) all released their quarterly earnings reports this morning.
In my regular investment account, I added to my positions in SOXY (YieldMax Target 12 Semiconductor Option Income ETF) and USD (ProShares Ultra Semiconductors).
In my Roth IRA, I sold my entire positions in ASML (ASML Holding) and POW (Engine Gaming and Media), and I added to my positions in LITE (Lumentum Holdings Inc.), QTUM (Defiance Quantum ETF), and SPCX (Space Exploration Technologies).

Happy Anniversary! The current bull market is four years old today. The S&P 500 has climbed almost 120% since its closin...
10/13/2026

Happy Anniversary! The current bull market is four years old today. The S&P 500 has climbed almost 120% since its closing low on Oct. 12, 2022. Check out the attached slide to see the top ten stocks. The bull market before this one ran from March 9, 2009, through Feb. 19, 2020, lasting 10 years and 11 months.
Not a lot is going on today in the stock market because the bond market is closed and everyone is waiting to see how earnings season starts tomorrow. The only thing the market really had to trade on was oil prices, which went up today due to the ongoing conflict in the Middle East.
In my regular investment account today, I sold all of my positions in GRC, SANM, and VICR, and I added to my positions in SMH, SOXY, and USD.
Today in my Roth IRA, I added to my positions in SMH and SOXY.

10/10/2026

The Standard & Poor's 500 index rose 1.2% last week, led by the Consumer Staples and Utilities sectors. The index is now up 2.1% for the month and 14% for the year. The only two sectors in the red were Industrials, down 0.4%, and Technology, down 0.3%.
The probability of the Federal Reserve leaving its target interest rate unchanged in October was 83% as of Friday afternoon. The market still sees a 71% likelihood of a 0.25% (25 basis points) rate hike in December, and assigns a 45% chance of another quarter-point increase in March to help pull inflation back down toward the Fed's 2% target.
Even though Columbus Day / Indigenous Peoples' Day is a Federal holiday, it is not an official holiday for major stock exchanges. However, keep in mind that the U.S. bond market and banks are closed on Monday. That means if you hold a Charles Schwab brokerage account and keep all your cash in the SWVXX money market fund, you will not be able to sell shares of your money market fund to cover cash purchases on Monday. Unless you already have uninvested cash sitting in your account, I suggest selling a losing stock position to cover any purchases you make on Monday.
The third-quarter (Q3) earnings season kicks off on Tuesday. Several major financial institutions are scheduled to report quarterly results, including JPMorgan Chase (JPM), Goldman Sachs Group (GS), Wells Fargo (WFC), Citigroup (C), Bank of America (BAC), Morgan Stanley (MS), BlackRock (BLK), and Charles Schwab (SCHW). Other major companies reporting next week include Johnson & Johnson (JNJ) and UnitedHealth (UNH). Keep in mind that stocks tend to move higher overall during earnings season.
To top it off, we also get the latest inflation data this week: the Consumer Price Index (CPI) report on Wednesday and the Producer Price Index (PPI) report on Thursday.
Yesterday in my regular investment account, I sold out of my positions in AIR and WWD.
The following are the results of the Charles Schwab weekly portfolio report. Regular investment account:
CIEN +14.93%.
ANET +4.53%.
ARKF +4.52%.
VICR -13.87%.
IESC -12.32%.
PSI -7.22%.
Roth IRA account:
OKTA +9.76%.
AMZN +4.34%.
DELL +4.18%.
SOXL -14.63%.
INTL -12.26%.
MUU -9.08%.

10/09/2026

Both the price of oil and interest rates on U.S. Government bonds went up today, which is what caused the stock market to drop.
Early in the trading day, the interest rates on the 10-year bond briefly reached a high near 5.35% before dropping slightly.
In both my regular investment account and my ROTH IRA today, I bought more shares of SOXY (YieldMax Target 12 Semiconductor Option Income ETF) and USD (ProShares Ultra Semiconductors).
In both accounts today, I also received the healthy monthly dividend from SOXY. That is really great, especially on top of the fact that the investment is up 59.41% so far this year!

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