Norbert’s Wealth Dome

By Norbert Manhart · WealthdomeLet me start with a confession.I own Visa stock. I’ve held it for a while. And recently, staring at the charts, I found myself asking a question I didn’t want to ask:Should I sell?Not panic-sell. Not rage-sell. But genuinely reconsider — because when one of the best companies in the world is sitting 10% off its 52-week highs, and the headlines are screaming about stablecoins and regulatory crackdowns, even the most conviction-driven investor starts to wonder.So I did what I always do. I went to the numbers. I pulled the charts. I stress-tested the thesis.Here’s everything I found — the good, the risks, and exactly what I’m doing with my position.First: Understand What Visa Actually IsBefore anything else, you need to understand the business model — because most people get it wrong.Visa is not a bank.It doesn’t lend you money. It doesn’t hold your deposits. It takes on zero credit risk. If you don’t pay your credit card bill, that’s your bank’s problem — not Visa’s.What Visa is — is a toll road for money.Every time you swipe your card, tap your phone, or click “buy now” anywhere in the world, Visa collects a small percentage of that transaction. That’s it. That’s the entire business.And the scale of that business is almost hard to comprehend:* 200+ countries where Visa operates* $70 trillion in annual payment volume* 4.5 billion cards in circulation globallyBecause they carry no credit risk, they never blow up the way banks do. In a recession, Visa’s revenue drops a bit — but they don’t have a balance sheet full of defaulting loans. They just collect fewer tolls while the road stays standing.This is, by any honest measure, one of the most capital-efficient businesses in the history of capitalism.The Numbers Don’t LieLet me show you what this business actually looks like financially.In fiscal year 2025, Visa generated $40 billion in revenue, up 11% year-over-year. Net income came in at nearly $20 billion — a 50% net profit margin.Let that sink in. For every dollar Visa brings in, they keep 50 cents as profit. Most companies dream of 10–15%. Visa does 50%, year after year, like clockwork.A few other numbers worth noting:* Free cash flow: $18.7 billion* Return on equity: 54% (S&P 500 average is 15–20%)* Shareholder returns: Visa returned $22.8 billion to shareholders in FY2025, including $18 billion in share buybacksThat last point is important. Visa is aggressively shrinking its share count every year. Fewer shares outstanding means each remaining share represents a larger piece of the business — which pushes EPS higher even without additional revenue growth.What the Chart Is Telling UsGreat businesses can still be bad investments if you buy them at the wrong price.Visa’s 52-week range sits between $305 and $396. At roughly $315–$353 (depending on when you’re reading this), we’re sitting about 10–11% below the 52-week high.On a Fibonacci retracement from recent lows to highs, the 61.8% extension lands around $350 — implying roughly $33/share upside from current levels just to hit that technical target.Here’s the valuation picture:* Trailing P/E: ~30x* Forward P/E: ~24x* 10-year historical average P/E: ~33xVisa’s current forward P/E is below its own historical average. That doesn’t happen often. When a business this high-quality trades below its historical multiple, it usually means one of two things: either the market is wrong, or there’s a real structural threat the market is pricing in.We’ll get to the threat in a moment.The analyst consensus across 21 Wall Street analysts puts the average price target around $399 — which, from current levels, represents a potential 26% return for 2026.I don’t put enormous weight on analyst price targets. But when the fundamentals, the technical, and 21 professional analysts are all pointing in the same direction, it’s worth noting.Visa vs. Mastercard: The Honest Side-by-SideYou can’t talk about Visa without talking about Mastercard. They’re a duopoly. They control global card payments together. But they’re not the same investment.Here’s the honest comparison:Visa Mastercard Market Cap $610B $480B Revenue $40B $28B Revenue Growth 11% 17% Net Margin 50% 46% Free Cash Flow $18.7B $13.6B Forward P/E 24.4x 27.7x EPS Growth (2026 est.) ~12% ~16%The summary: Visa is bigger, cheaper, and more profitable. Mastercard is growing faster.Visa is a value play. Mastercard is a growth play.If you’re in your 30s and want maximum compounding over the next 25–30 years, I’d lean toward Mastercard. If you want the wider moat, better margins, and a lower entry valuation, Visa is your pick.Honest answer? If you can afford both — buy both. They’re two sides of the same duopoly coin. When the world goes cashless, they both win.Let’s Talk About the Elephant in the Room: StablecoinsIn June 2025, Visa stock dropped 5% in a single day. So did Mastercard — same day, same reason.The trigger: a Wall Street Journal report that Walmart and Amazon were exploring issuing their own stablecoins — digital currencies pegged to the dollar that could potentially bypass Visa and Mastercard entirely.So let’s take this seriously. What is the actual threat?What stablecoins are: Cryptocurrencies pegged 1:1 to a stable asset (in this case, the US dollar). Think USDC or Tether. They settle instantly, 24/7, at near-zero fees.What that threatens: Traditional card payments take 2–3 days to settle and charge merchants between 1.5% and 3% in fees. The most vulnerable slice of Visa’s business is cross-border payments, where stablecoins could genuinely compete.The GENIUS Act — which gives retailers a legal framework to issue their own digital currencies — is why the stock reacted the way it did.But here’s why I think the market overreacted:First, roughly 90% of stablecoin volume today is used for crypto trading, not buying groceries. Consumer behavior is deeply sticky. People want points. They want cashback. They want fraud protection and chargeback rights — none of which stablecoins offer.Second, Visa isn’t sitting still. They’re already settling transactions in USDC and have 130+ crypto card programs globally. Their strategy is elegant: let stablecoins be the backend settlement rail, but keep Visa as the consumer-facing network that collects fees regardless.Third — and this is the part I feel most strongly about — the consumer decides how they pay. Not Walmart. Not Amazon. If Walmart tells you to pay with their proprietary stablecoin or you can’t shop there, you’ll go somewhere else. Because everyone has bananas. Everyone has toilet paper.And here’s the key insight about that 1.5–3% merchant fee: you’re not paying it. Walmart is. The merchant absorbs it as the cost of accepting a payment method their customers demand.My read: Stablecoins are more likely to become a new rail that Visa rides on than a new network that replaces Visa.Risk Monitor: What Could Actually Go WrongI’m not here to build a pure bull case. Here are the real risks, honestly ranked.High Risk — Regulatory PressureThe Department of Justice has an active antitrust probe into both Visa and Mastercard. European and UK regulators are investigating interchange fees. If regulators cap those fees, it’s a direct hit to earnings. And earnings are everything for the stock price. This is the risk I’m watching most closely.Medium Risk — FinTech CompetitionApple Pay, PayPal, Cash App — they’re all growing. But here’s the thing: most of them still process transactions on Visa’s rails. When you pay with Apple Pay using your Visa card, Visa still collects its fee. FinTech is more trend than threat, for now.Low-to-Medium Risk — Economic SlowdownPayment volumes fall when consumers spend less. A recession would hurt. But Visa’s beta of 0.78 means it falls significantly less than the broader market. If your portfolio is going to crash, you want some of it in stocks that crash less.Low-to-Medium Risk — Valuation CompressionAt a forward P/E of 24x, Visa isn’t cheap. But it’s below its own historical average of 33x — which is actually unusual. If growth disappoints, multiples could compress. But from this starting point, the margin of safety is reasonable.The Verdict: Buy, Sell, or Hold?Let me tell you what I think, and then I’ll tell you exactly what I’m doing.Should you sell? Only if you genuinely need the cash in the next 6–12 months. This is one of the best-moated businesses on earth. If you’re selling at this price for any other reason, you need to be honest with yourself about whether it’s conviction or panic driving that decision.Should you hold? Yes. The fundamentals haven’t changed. 50% margins. $18.7 billion in free cash flow. 54% return on equity. The stock is trading below its 10-year average P/E. Don’t let a newspaper headline or a YouTube video shake you out of a position like this.Should you buy more? If you’re a long-term investor, current levels are a reasonable entry. But the level I’m watching — the one where I get genuinely aggressive — is $300 or below. That’s where the 200-day moving average sits on the long-term chart. That’s where I’d back up the truck. Plan a minimum 5-year hold from there.What I’m Actually DoingFull transparency. Here’s my plan.I sold my entire Visa position near the February peak — before the stablecoin panic, simply because the RSI was stretched and the valuation looked extended on the weekly chart. Then I bought back in. I’m currently slightly in the green.Going forward, I’m holding my Visa — and if it pulls back toward $300, I’m buying more aggressively.But I’m also initiating a Mastercard position for the first time. I’m in my 40s, which means I have roughly 25 years of wealth compounding ahead of me. And over that horizon, Mastercard’s higher growth rate matters more than I was giving it credit for.My target allocation: Mastercard weighted 25–40% higher than Visa in my portfolio. Not because Visa is bad — it isn’t. But because at my stage of life, growth compounds harder than stability, and Mastercard has more growth in front of it.If you’re in your 30s, I’d skew even more heavily toward Mastercard. If you’re in your 50s and want dependable, growing dividends and a fortress moat, Visa is your vehicle.The Bottom LineVisa is not broken. The stablecoin scare was real but overblown. The regulatory risk is real and worth watching. The business itself — the toll road model, the 50% margins, the relentless buybacks — remains one of the best wealth-building machines ever built.At current prices, it’s not a screaming buy. But for long-term holders, it’s absolutely not a sell.The $300 level is where it gets interesting. Watch that zone.Coming next: A dedicated deep dive on Mastercard alone. Stay subscribed.— Norbert Manhart WealthDom · Build and Protect WealthThis post is for informational and entertainment purposes only. It does not constitute financial advice. I am not a financial advisor. Always do your own research and consult a qualified professional before making investment decisions.Download the complete presentation as a PDF This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

By Norbert Manhart · WealthDomFutures are sliding. Oil is creeping higher. And Brent Crude just touched $78 a barrel in the early hours.Let’s get into it.📉 The S&P Looks TiredThe futures market gave us a clear message overnight — and it wasn’t a good one.The S&P 500 is down 0.27% pre-market, off 19 ticks. More importantly, the 20-day moving average has crossed below the 50-day moving average. That’s not noise. That’s a signal. And now, the 20-day is threatening to cross below the 100-day as well.When I look at this chart, I see a market that wants to go lower. Not because the world is ending, but because the technicals are deteriorating and momentum has shifted. Yesterday’s close at 6,869 felt solid — but equities are already giving those gains back this morning.The question on my mind: are we looking at a small correction, or something more?Probabilities favor a pullback. I’m not calling a crash, but I am positioning defensively.🛢️ Oil, Iran, and the Strait of HormuzHere’s the macro story that’s quietly driving everything right now.Brent Crude touched $78/barrel in the early hours and is holding around $77. With US-Iran tensions escalating — and reports that Iranian operatives have reached out to the US — we could realistically see oil push toward $80.Trump has offered naval escort for commercial vessels through the Persian Gulf. That sounds reassuring on the surface. But here’s the real problem nobody is talking about: oil tankers can simply turn off their transponders and sail through the Strait of Hormuz regardless. The actual bottleneck isn’t military protection.It’s insurance.If tankers can’t get insured to pass through the strait, it doesn’t matter how many warships are in the water. That’s the risk to watch.Meanwhile, a stronger dollar (DXY approaching 99) adds another layer of complexity for global trade. A strong dollar is rarely a friend to US exporters or emerging markets.🇰🇷 Samsung and the KOSPI PlungeSouth Korea’s KOSPI had its biggest single-day drop in recent memory — but if you were watching Samsung closely, you already knew what to do.Samsung pulled back 23% from peak to trough — and then gapped down. When that gap filled and the stock reversed, it delivered a 16% move off the low. That’s not luck. That’s pattern recognition.Samsung is no longer overbought, and with South Korea being heavily dependent on oil imports from the Persian Gulf region, this story is still evolving. The US produces its own oil. Korea doesn’t. That asymmetry matters.📦 Tariffs Are No Longer a Threat — They’re a RealityTreasury Secretary Bessent confirmed it: the 15% global tariff is expected to take effect this week.Let me be direct — this is why the market is pulling back. Not war. Not Iran. Earnings drive markets. And tariffs eat into earnings — across multinational companies, across Asia, across Europe.The market is watching closely for retaliation. When retaliation comes (and it usually does), volatility follows. This is not a drill.💼 Earnings HighlightsA few names worth your attention:Moderna (MRNA) — Up 11% after settling its major COVID vaccine patent lawsuit for $2.25 billion. The legal overhang is gone. That’s meaningful. The stock is still sitting at $57 vs. an all-time high of $520, but the path forward just got cleaner.Broadcom (AVGO) — Blowout earnings. The stock is ripping. If you own it, this could be a smart spot to sell a covered call — collect around $650 in premium on a 30-delta, ~43 days out. Take profit at 50% and definitely close before 21 days to expiration. Don’t get greedy.CrowdStrike (CRWD) — Reported EPS of $4.90 vs. $4.80 consensus. Beat on both top and bottom line. A clean quarter.🤖 Tech Giants: Nvidia, Alphabet, and the Waiting GameNvidia posted historically strong earnings — again. And the market shrugged — again.NVDA is still in the penalty box. Still sitting below key moving averages. The question isn’t whether Nvidia is a great company (it is). The question is whether the stock can find a floor and build from here, or whether it still needs to test the 200-day moving average. I’m watching, not adding.Alphabet (GOOGL/GOOG) has been on a parabolic run for months without a real cooldown. It’s found support after a minor pullback. With a dividend coming in a few days, if you’ve been waiting for a reason to add to a Google position — this isn’t the worst moment.🥇 Commodities: Gold, Silver, Copper, BitcoinGold and silver are pulling back — which hurts my current long positions, I won’t lie. But I’m holding.Copper is where I’m watching carefully. I want to see it pull back further. Copper is critical infrastructure for AI data centers and the broader tech build-out. If it gets oversold, I’m adding to my long. The demand story isn’t going away.Bitcoin and Ethereum are both down this morning, which adds to the risk-off tone heading into today’s open.📊 My Current Portfolio PositionsTransparency is everything. Here’s where I stand:* VIX — Still long. Expecting volatility. Haven’t closed it.* MES (Micro E-mini S&P) — Closed yesterday at +24%. Locked in that credit. Good trade.* NVDA — Long with a covered call. Watching it carefully.* Silver (SLV) — Long, but the moment I see a pop, I’m out.* Gold (GLD) — Long with two vertical put spreads. Still holding.* Netflix (NFLX) — Long via LEAPS, sold a call against it. Position looks healthy. Taking profits at 50% or on any major market pullback.* IBIT (Bitcoin ETF) — Long from last year. Down 42% on the position, but with call-selling overlay, I’ve generated $345 in net premium this year alone. The recovery thesis is intact.Today I’m considering a 0DTE iron condor on SPX given how iffy the market looks. My 0DTE count is at 2 — so I have room.🎬 Coming Later Today: Visa, Mastercard & StablecoinsAfter the bell, I’m releasing a full deep dive on Visa, Mastercard, and the stablecoin threat.Here’s the question I’m wrestling with: Is Visa still the best wealth-building vehicle for the next 25 years? Or is the stablecoin revolution quietly eating their lunch?I hold Visa in my portfolio. This deep dive is me being honest with myself — and with you.Drop the popcorn. See you after the close.— Norbert Manhart WealthDom · Build and Protect WealthThis post is for informational purposes only and does not constitute financial advice. Always do your own research. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Netflix Is Buying Warner Bros. Discovery — Here’s the Truth Investors Need to KnowNetflix (NFLX) has shocked the entertainment and financial world with a staggering $82.7 billion bid to acquire Warner Bros. Discovery (WBD) — one of the biggest media deals in history.This is not a simple merger.It is a complete restructuring of global entertainment, and it will directly impact Netflix shareholders, Warner Bros. shareholders, and the future of streaming.Today’s breakdown covers:* What Netflix is REALLY buying* Who wins and who loses* Why the deal could make Netflix unstoppable* Why the debt could also crush them* And whether you should buy Netflix nowLet’s get into it.💰 1. Deal Structure — The Real Price Isn’t $72B… It’s $82.7BWarner Bros. Discovery is valued at:* $72B in equity* But $85.2B enterprise value once Netflix absorbs WBD’s $33.7B debtThis means Netflix’s true cost is $82.7 billion, not $72 billion. That debt completely changes Netflix’s financial profile overnight.Shareholder PayoutWBD shareholders receive:* $23.27 per share in cash* $4.50 per share in Netflix stockSo shareholders leave with both liquidity and ownership in Netflix.🧨 2. What Netflix Gets — And It’s MASSIVE✔ HBO — The Crown JewelNetflix gets the highest-quality library in the world:* Succession* Sopranos* Game of Thrones* Sex and the City* True Detective* The Last of Us (licensed)* Friends* Harry Potter universe* DC Comics franchise (Batman, Superman, Justice League)This instantly elevates Netflix from “largest streaming service” to the most powerful entertainment company on Earth.✔ All DC Games + Warner GamingNetflix enters gaming at scale:* DC Game Universe* Hogwarts Legacy franchise* WB Interactive titles* Potential for streaming-integrated gamingHuge long-term monetization potential.✔ Massive Cost SavingsNetflix currently pays billions in licensing fees for these shows. Once the deal closes:→ Those costs drop to zero→ Added $2–3B in annual savings⚠️ 3. The Dark Side — Why This Could Break Netflix❌ Heavy Debt LoadAbsorbing $33.7 billion in WBD debt erases Netflix’s previously strong balance sheet.❌ Shareholder DilutionBecause WBD shareholders receive NFLX stock, Netflix is issuing new shares, which dilutes current shareholders.This is why NFLX immediately dropped –2.9% on the news.❌ Loss of “Pure Play” StatusNetflix used to trade at premium valuations because it was a pure streaming growth company.Now analysts fear the combined company could be treated like a legacy media conglomerate → lower valuation multiple.❌ Culture Clash RiskHBO’s premium creative culture vs. Netflix’s algorithm-driven model.This has sunk many past media mergers.🏆 4. Winners & LosersWinners 🟢✔ Warner Bros. Discovery Shareholders (WBD)Immediate premium payout + NFLX stockMajor victory.✔ Netflix (NFLX) — Long-TermThey eliminate a competitor and absorb their entire library.✔ ConsumersEverything under one roof.Losers 🔴❌ Netflix Shareholders (Short-term)Dilution + debt = lower price.Already priced in? Maybe partly. But not fully.❌ Employees$2–3B in cost-cutting = layoffs.❌ Competitors (AAPL, AMZN, PARA)Netflix just blocked out every major buyer.📈 5. Should You Buy Netflix Stock Now?Bull Case (Why Buy Now)* Netflix becomes the undisputed #1 entertainment platform* Eliminates HBO Max/Max as competition* Gains billions in cost savings* Long-term pricing power increases* IP library becomes unmatched* Gaming expansion becomes seriousIf the deal closes, NFLX could become the new Disney, but far more profitable.Bear Case (Why Wait)* Debt load could crush growth* Shareholder dilution increases downside* Regulatory uncertainty* Transition from “streaming” to “media conglomerate” may reduce valuation* HBO integration risk* Culture conflictsWealthTown TakeawayIf the deal succeeds → Netflix becomes unstoppable.If it fails → Netflix’s stock could jump on relief.In both outcomes, the long-term upside for NFLX remains intact.For long-term investors:→ Accumulation zoneFor short-term traders:→ Expect volatility📌 Tickers MentionedNFLX, WBD, AAPL, AMZN, PARA This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

This Week in Markets: AI Winners, Software Losers & Huge Moves in SilverThis week delivered one of the most fascinating divergences we’ve seen all year:MongoDB (MDB) exploded nearly 24% on strong cloud demand while Snowflake (SNOW) and the cybersecurity sector showed clear signs of spending slowdown.transcript_2025-12-06T10_18_49.…Meanwhile, equity indices posted mild gains despite mixed macro signals, a shaky labor outlook, and rising yields. Commodities delivered their own drama — especially silver, which jumped over 9%.Let’s break it all down.📊 Market Recap — Divergence EverywhereDow Jones (DJI)A rough start to the week but finished green.Federal Reserve OutlookThe market now prices 90% probability of a rate cut in December, but uncertainty remains for January. Rising 10-year yields reveal skepticism about continuous easing.Fear & Greed Index:Currently 40 – Fear, but trending toward neutral — suggesting a potential Santa Claus rally.Weekly Index Performance:* S&P 500 (SPX): +0.7%* NASDAQ (IXIC): +1.51% (best of the week)* Dow Jones (DJI): +1.1%* Russell 2000 (IWM): +1.1% (strong midweek, faded Friday)Volatility (VIX):Pulled back hard into Friday — calming markets.U.S. Dollar (DXY):Rejected $100, now at 98, down 0.5%.🛢 Commodities: Energy Weak, Silver ExplodesOil (WTI):Dipped early week on supply/demand worries, then rebounded to $60.13 per barrel.Natural Gas:A monster Friday spike to $5.39, up 8.6% on the day.Gold:Flat → slightly positive at +0.95%Silver:The star of the week, up 9.22% — with more analysis coming Monday.Copper:Steadily grinding upward, reflecting future demand for AI data centers & grid expansion.₿ Crypto Weakness ContinuesBitcoin (BTC): –0.04%Ethereum (ETH): –0.47%Both attempted reversals midweek but failed to break trend.🏆 Biggest Winners & Losers of the Week🥇 MongoDB (MDB): +23.94%Huge earnings beat, strong Atlas adoption, clear operating leverage.🥇 Dollar General (DG): +22%Massive sentiment turnaround, strong guidance.🥀 SolarEdge (SEDG): –19.2%Continued pain from high rates & inventory glut — caution advised.📈 Sector PerformanceFriday:* Communication Services (META-led): +0.87%* Technology: +0.4%* Utilities & Energy: sharply downWeekly:* Technology: +1.55%* Communication Services: +0.895%* Healthcare: Weak* Utilities: Heavy selling pressureMonthly Leader: Basic Materials +7% — silver & copper strength showing.💼 Earnings Breakdown (All 6 Major Reports)1️⃣ MongoDB (MDB)* Revenue: $628M (+18%)* EPS: $1.32 (beat vs $0.79 expected)* Gross Margin: 79%* Q4 Guidance: 16% growth midpoint* Strong Atlas adoption → bullish long-term2️⃣ CrowdStrike (CRWD)* Revenue: $1.21B (+22%)* EPS: $0.896 (+26%)* ARR: $4.92B (+23%)Strong, but valuation stretched → still sold off after hours.3️⃣ Marvell Technology (MRVL)* Revenue: $2.08B (+7.5%)* EPS: $0.76 (+76%)* Data Center revenue: $1.01B (+29%)* Q4 Guidance: 18.5% growthGreat report — but expensive. Best bought on pullbacks.4️⃣ Salesforce (CRM)* Revenue: $10.3B (+9%)* EPS: $3.20 (+13.6%)* Operating Margin: 35% (record!)Executes extremely well → but stock overextended short-term.5️⃣ Snowflake (SNOW)* Revenue: $1.2B (+27%)* EPS: –$0.87 (loss persists)* Product Revenue: 24% (decelerating)* Guidance midpoint: 22%Consumption slowdown → caution recommended.6️⃣ UiPath (PATH)* Revenue: $411M (+15.9%)* EPS: $0.16 (+45%)* ARR: $1.65B (+22%)* Potential future acquisition target (Google?)Strong report. Best accumulated on dips.📅 Next Week’s Earnings & IPO WatchlistEarnings:* GME (GameStop)* CASY (Casey’s)* CHWY (Chewy)* ORCL (Oracle)* ADBE (Adobe)* SNPS (Synopsys)IPOs:* Lumexa Imaging Holdings → AI diagnostic imaging* Wealthfront Brokerage → Brokerage competitor (not compelling)💰 My Trades This Week — $850 Total Options IncomeStock Income:* V (Visa) dividend: $3.47* UNH (UnitedHealth) sale: $15.21* Cash interest: $22.25Total: ~$35Options Income Breakdown ($811.50)IBIT – Bitcoin ETFCovered calls: +$41NVDA – NvidiaCovered call rotation: +$93SPX – Iron Condor (0DTE):* $70ES Mini Futures – Iron Condors:* $182.50Silver Futures (SI):Credit spread: +$300NFLX – NetflixSynthetic covered calls: +$149🧠 Wealth Dome TakeawayThis week highlighted:• AI infrastructure = strong (MDB, MRVL)• Consumption-based models = weak (SNOW)• Cybersecurity = good fundamentals, bad sentiment (CRWD)• Silver = explosive trend developing• Options strategies = worked extremely well in volatility compressionWe remain cautiously bullish heading into year-end.📌 Tickers Mentioned:MDB, SNOW, CRWD, MRVL, CRM, PATH, DG, SEDG, META, V, UNH, IBIT, NVDA, SPX, ES, SI, NFLX, BTC, ETH, ORCL, ADBE, SNPS, COST, AVGO, LULU, RH This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Is Salesforce Stock a Buy After Earnings? Full WealthDom BreakdownSalesforce (CRM) just delivered a monster quarter:✔ $10 billion in revenue✔ Cash flow up double digits✔ AI adoption accelerating✔ Strong subscription growth✔ Remaining performance obligations at record levels✔ Stock jumping after earningsBut with valuations already elevated and macro clouds forming, one question remains:Is Salesforce a hidden value opportunity — or a high-risk tech rebound trap?Let’s break it down using fundamentals, AI strategy, technicals, and the WealthDom long-term investing framework.transcript_2025-12-05T11_38_55.…🔥 1. Salesforce Q3 Earnings: A High-Quality BeatSalesforce delivered a strong quarter across every key metric:Revenue:* $10.3B* +9% year-over-year* Subscription revenue: +10%Margins:* GAAP operating margin: 21.3%* Non-GAAP margin: 35.5%Cash Flow:* Operating cash flow: $2.3B (+17%)* Free cash flow: $2.2B (+22%)Future Revenue Strength:* CRPO: $29B (+11%)* Total RPO: $59.5B (+12%)These numbers matter because CRM is primarily a subscription business, and these backlog numbers indicate durability and visibility — two things Wall Street loves.transcript_2025-12-05T11_38_55.…🧠 2. AI + Data 360: Salesforce’s New Growth EngineManagement highlighted explosive growth in AI-powered services:* AgentForce + Data Cloud 360 ARR now $1.4B* That’s 114% growth* Enterprise adoption is accelerating* Salesforce positions itself as a full AI-enabled enterprise platformMarc Benioff is pushing Salesforce from “just CRM” into a data + AI ecosystem, with automation, agents, analytics, and enterprise-grade integrations. This creates optionality — high-margin future revenue streams.transcript_2025-12-05T11_38_55.…⚠️ 3. Investor Risks & Market RealityDespite great fundamentals, Salesforce investors must consider:1. High valuation in a slowing macroSoftware is out of favor due to interest rates and enterprise spending slowdowns.2. Slower growth9–10% YoY growth isn’t “high-growth tech” anymore.3. Industry-wide AI pressureAdobe, Snowflake, and others are facing similar slowdowns.4. Profit-taking is likelyThe stock jumped 7–10% post-earnings — short-term cooling is expected.transcript_2025-12-05T11_38_55.…📉 4. Technical Analysis — Wait for the PullbackOn the chart:* Salesforce hit the top of its Bollinger Band* MACD just triggered a buy signal* RSI at 58 — not overbought, but warm* Stock sits below the Ichimoku Cloud, which signals caution* Price likely faces profit-taking before a stronger move higherKey buy zones:* Light add: after a 2–5% pullback* Strong buy zone: if retesting recent lowsShort-term traders should look for dips. Long-term investors can start scaling in slowly.transcript_2025-12-05T11_38_55.…📈 5. Long-Term Outlook (2–5 Years)Salesforce remains one of the most financially stable software companies:* Strong recurring revenue* High cash generation* Deep enterprise penetration* Clear AI vision* Large RPO pipeline* Ongoing share buybacksIf CRM executes its AI strategy and enterprise data push, the stock could double over the next 2–5 years, with analysts projecting prices in the $400s.transcript_2025-12-05T11_38_55.…📝 WealthDom TakeawayShort-term:Cautiously bullish, expect volatility.Wait for pullbacks before opening new positions.Long-term:Strong buy on dips.Great compounder potential.CRM belongs in a diversified long-term wealth portfolio.📌 Tickers Mentioned:* CRM – Salesforce* ADBE – Adobe* CSU.TO / CSU – Constellation Software* SNOW – Snowflake This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Is This the Time to Buy Meta Stock? My Full BreakdownMeta Platforms (META) has pulled back sharply from its highs, dropping from above $800 to around $640. The big question every investor is asking:Is this the perfect buying opportunity—or a warning sign?Today, we break down the fundamentals, technicals, AI investment strategy, valuation, and long-term thesis to determine whether META deserves a place in your portfolio.🔍 1. META Q3 Earnings — Still a Cashflow MonsterMeta’s latest report reconfirmed its financial dominance:* Revenue: +26% YoY* DAUs: 3.27 Billion (+7%) — half of Earth uses Meta apps daily* Operating Margin: 40% (major pricing power)* Cash Reserve: $44 BillionMeta’s family of apps (Facebook, Instagram, Reels, WhatsApp) continues to scale globally with almost no real competition outside TikTok. And because TikTok is not a public company, the real numbers are uncertain.This is a moat, and a big one.🚨 2. Why the Stock Dropped – The Bear CaseMeta’s 11% post-earnings drop wasn’t due to revenue or profit.It was because of increased AI capital expenditures.Meta expects:* $70–$72B in CapEx for 2025* Continuation of heavy investment into 2026Short-term investors saw this as a negative.Long-term investors should see this as a massive opportunity.Why? Because:AI needs compute. Compute needs data centers.Data centers need investment.Meta is building the backbone of the next decade.🤖 3. The Bull Case — Meta Is Building the Next Computing PlatformMark Zuckerberg is placing Meta as a leader in:* AI ad optimization* Generative AI tools* Next-gen infrastructure* AR glasses & hardware* Advanced on-device AIMeta must invest to compete with Apple and Google—both of whom already have devices. Meta needs a hardware ecosystem, and these investments show they know it.This is not frivolous spending.This is Amazon 2010 AWS energy.💹 4. Wall Street Price Targets & Analyst Views* 12-month target: $839* Long-term upside: Very strong* Bear case: Only –5.86% downside* Extreme bull case: $1,100 (rare, but possible)Sentiment remains overwhelmingly Buy.📉 5. Technical Analysis — The Perfect Buy ZonesMeta is sitting right at the golden Fibonacci retracement zone:61.78% — the “Goldilocks Zone” for strong companies.Key levels:* Current price: ~$640* Immediate support: $633* Major support: $560* Dream buy zone: $480–$560* Long-term uptrend intactMeta hasn’t even retested the April lows of $541.This relative strength is extremely bullish.RSI & MACD:* RSI bounced off oversold levels* MACD triggered a fresh buy signalThis is exactly how long-term reversals start.🧠 6. So Is META a Buy Right Now?My conclusion:⭐ Meta is a Buy — with caution and strategy.The stock is transitioning from high-growth tech into a cash-generating giant with massive AI optionality.Best approach:* Start a small position now (not financial advice)* Hold dry powder* DCA into dips at $600 / $580 / $560* If it hits $480, load up (cautiously)For a 3–5 year investment horizon, this setup is excellent.📌 Tickers Mentioned in This Analysis* META – Meta Platforms* AAPL – Apple* GOOGL – Alphabet / Google📢 Final ThoughtsMeta is not the hyped tech stock of the past—it is becoming one of the strongest compounders of the next decade.Innovation scares the market short-term.Innovation builds generational wealth long-term.What do you think? Drop your comments. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

If you think you’ve already missed the AI boom, this post is for you.In today’s breakdown, we’re covering the three pillars of AI investing, how to separate hype from real fundamentals, and the TOP 3 AI stocks positioned for massive upside in 2025–2026 — including one picks & shovels play nobody is talking about.Let’s get into it.🔥 The $15 Trillion AI Opportunity Is Still in Its Early StagesMany traders believe the AI trade is “over” because companies like NVIDIA (NVDA) and Microsoft (MSFT) have already exploded in price.But as you say:“What you’ve seen is the tip of the 15 trillion iceberg.”Retail investors still have a chance to catch the next wave — the suppliers, infrastructure builders, and application leaders powering the entire AI ecosystem.🧠 The 3 Pillars of AI InvestingBefore putting a single dollar into AI, you need the right framework. Your transcript outlines the “Three Pillars of AI,” which is brilliant because it separates hype from real growth.1️⃣ Infrastructure (The AI Roads & Highways)These are companies building:* chips* memory* cooling* data centers* networking systemsThink of NVIDIA & AMD — but the real opportunity is in their suppliers.2️⃣ Application (AI Products Users Actually Touch)AI healthcare tools, consumer chatbots, enterprise AI platforms.High volatility → high reward.3️⃣ Picks & Shovels (The Low-Risk, High-Reward Enablers)Cloud hostingData labelingCybersecurityInfrastructure servicesThis was true during the gold rush — and it’s true now.The ones selling the shovels make the most money.🚀 Top 3 AI Stocks for 2025–2026Based strictly on your transcript, technical data, and revenue projections:1️⃣ Micron (MU) — Infrastructure LeaderThe HBM Memory KingMicron provides high-bandwidth memory (HBM) — essential for next-gen AI accelerators.Why it’s a top pick:* Critical supplier to NVDA, AMD, and major cloud players* Unprecedented demand* CEO expects years of supply constraints* Revenue expected to grow from $54B (2026) → $72B (2029)This gives Micron predictable revenue — extremely rare in AI.Your take:“A double or triple from here wouldn’t be hard.”2️⃣ Palantir (PLTR) — Application LeaderThe AI Operating System for Governments & EnterprisesPalantir’s AIP (Artificial Intelligence Platform) is transforming how companies use data.Why it’s powerful:* Commercial revenue doubling YoY* Deeply embedded into enterprise architecture* Difficult to replace (huge moat)* Actually profitable — rare in speculative techPalantir is not selling “AI hype.”They sell solutions that save companies millions.3️⃣ Arista Networks (ANET) — Picks & Shovels KingThe Ultra-Low-Latency Networking Backbone of AIEvery high-performance AI chip must communicate with every other chip.That requires Arista’s:* high-speed switches* routing systems* networking gearMassive growth projections:* EPS: $2.8 (2025) → $4.97 (2028)* Revenue: $8.89B (2025) → $15.66B (2028)And the big kicker:Arista just signed huge deals with:* Amazon* Meta* MicrosoftThey’re becoming the default AI data center provider.🔥 Bonus Pick: GE Vernova (GEV) — The Energy Behind the AI BoomThis one is brilliant and absolutely underrated.GE Vernova (GEV) builds the gas turbines powering AI datacenters — and demand is booked out until 2029.Why it’s important:* AI requires insane amounts of electricity* There will be a split between “consumer energy” and “AI datacenter energy”* GEV provides the generators for that powerCould it be a 10× in the future?“It was a 5× in a year. Could it be a 10×? I don’t know.”Definitely one to watch.⚠️ The Biggest Red Flag in AI Stocks Right NowA key warning from your transcript:🚨 The Hype-to-Adoption Gap“We are seeing incredible enthusiasm, but not real-world profits yet.”Companies talking about AI but not making money from it = danger.Example:* Adobe (ADBE) → hyped AI, but profits declined → stock fellThe winners right now are:✔ chipmakers✔ memory suppliers✔ networking providers✔ energy infrastructureNot the “AI app” companies with declining margins.🚀 Final Word: The AI Wealth Wave Has Only StartedYour transcript ends perfectly:“Don’t be the person saying ‘I missed it.’ We’re still in it. If you participate, you’re not missing anything.”This is still the early innings.📌 Tick­ers MentionedMU, PLTR, ANET, GEV, NVDA, AMD, MSFT, ADBE This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Welcome back traders and investors to Wealth Dome — where we build and protect wealth.You asked for it, and today we’re unveiling the ultimate recession-proof dividend portfolio, built entirely from healthcare, consumer staples, and utilities — the three sectors with the most stability during economic downturns.This post covers:* The 5 safest dividend stocks* Why they hold up during recessions* Exact portfolio allocation (percentages + share counts)* A complete $10,000 model portfolio* Whether now is the right time to buy each oneLet’s dive in.🛡️ Top 5 Recession-Proof Dividend StocksThese five companies were chosen because they sell products people buy no matter what the economy is doing. They preserve capital, generate stable income, and offer long-term growth.The portfolio allocation is:* 25% Johnson & Johnson (JNJ)* 20% Procter & Gamble (PG)* 20% Walmart (WMT)* 20% NextEra Energy (NEE)* 15% Coca-Cola (KO)Let’s break them down one by one.1️⃣ Johnson & Johnson (JNJ) — 25% AllocationJohnson & Johnson is the ultimate capital-preservation stock.Why?* AAA credit rating (stronger than the U.S. government)* Essential pharmaceuticals* Vital medical devices* People don’t “cut” medications in recessions* 2.52% dividend yield“This company is essentially safer than the U.S. government.”Portfolio math* Allocation: $2,500* Price: $206/share* Shares added: 122️⃣ Procter & Gamble (PG) — 20% AllocationThis stock is recession-proof because it sells things people buy every day:* Pampers* Tide* Charmin* GillettePeople never cut these items from their budget — and PG has raised its dividend 67 years in a row.“This is pure, unadulterated stability.”Portfolio math* Allocation: $2,000* Price: $147/share* Shares: 133️⃣ Walmart (WMT) — 20% AllocationWalmart thrives in recessions. Consumers don’t stop spending — they trade down to cheaper retailers.“Walmart is a counter-cyclical winner.”Why it’s recession-proof* Gains market share when budgets tighten* Offers essentials and groceries* Dividend: 0.9%* Strong cash flowPortfolio math* Allocation: $2,000* Price: $104/share* Shares: 194️⃣ NextEra Energy (NEE) — 20% AllocationStable, regulated utility + massive clean-energy division.Utilities = pure stabilityClean energy = long-term growthDividend: 2.69%“Recessions do not cause power demand to drop — ever.”Portfolio math* Allocation: $2,000* Price: $84/share* Shares: 235️⃣ Coca-Cola (KO) — 15% AllocationCoca-Cola is a global powerhouse with unmatched brand strength.“They invented Santa Claus… and every major investor owns this stock.”Dividend: 2.81%Portfolio math* Allocation: $1,500* Price: $72/share* Shares: 23Final cash left: $53💼 The Final $10,000 Recession-Proof PortfolioTotal used: $9,947Cash remaining: $53📉 Should You Buy These Stocks RIGHT NOW?The transcript includes a full technical breakdown:🚫 Johnson & Johnson → WaitOverbought — better price coming.🟢 Procter & Gamble → Buy NowOne of the best setups on the chart.🟡 Walmart → Buy Partial (½ now, ½ later)Good level now, but better if it drops to the 100-day MA.🟡 NextEra Energy → Small buy, then waitJust had a big run — could cool down further.🔴 Coca-Cola → WaitBetter entry expected around $70.This analysis adds a TON of value to your Substack readers.📌 Tickers MentionedJNJ, PG, WMT, NEE, KO This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Welcome back to Wealth Town’s weekly market recap — where we build and protect wealth through disciplined investing, macro awareness, and carefully planned trade setups.Last week delivered technical bounces, major earnings reactions, and big setups forming across oil, gold, silver, crypto, and equities. Here is everything you need to know before markets open.📊 Major Indices: Technical Bounce Off the 100-Day Moving AverageAll four major indices — S&P 500 (SPX), NASDAQ (QQQ), Dow Jones (DJIA), and Russell 2000 (IWM) — bounced off key support levels:* SPX hit its 100-day moving average and reversed* QQQ held the 100-day like a “hero”* DOW bounced at the 100-day* Russell 2000 tapped the 200-day, then reclaimed the 100-dayHowever, SPX hasn’t even retraced 23% of its recent rally — meaning this pullback could continue.“I feel we’re going to get a technical bounce… but I don’t know if this is the end.”🛢️ Oil (USO): Approaching a Buy ZoneOil continues to sell off — exactly what we’ve been waiting for.* Strong support expected around $55–$57* You believe it’s unlikely to breach $55 in the near term* “This is probably a buying opportunity.”🪙 Gold (GLD) & Silver (SLV): Perfect Strangle SetupGold “held like a hero” at the 20-day moving average and is ideal for short-premium trades:Gold Strangle Levels* Upper: 4020* Lower: 3700I believe gold will stay between these levels for weeks.Silver:* Sitting on the 25-day moving average* Expected range: 44 → 55Both metals = excellent premium selling opportunities.🧱 Copper: Accumulation ZoneCopper is consolidating and preparing for a breakout:“Accumulate for a beautiful swing to the upside.”💵 Dollar Index (DXY): The Best Trade SetupThe dollar is stuck between the 20-day and 50-day MAs — your favorite accumulation zone:* Major buy zone around 99 (25-day MA)* You expect a “next leg up” for the dollarRate cuts remain the key catalyst.⚠️ VIX Cooling Down — But Not FinishedThe VIX dropped from its highs (28 → 23) but all moving averages are pointing up:“Be cautious… I don’t know if this is over.”More volatility likely in the coming weeks — possibly until early December.₿ Bitcoin & Ethereum: Support Holding BeautifullyBitcoin (BTC / IBIT)BTC found support EXACTLY on the level you forecasted (April 2025 lows).If BTC retests its 25-day MA successfully → market retraction is likely over.Ethereum (ETH / ETHE)Still under the Ichimoku cloud.Best strategy:* Wait for a red day* Buy LEAP* Sell premium💼 Earnings Recap: NVDA, TGT, WMT, PANW, HD, BULLNVIDIA (NVDA)* Revenue: $57B (+62% YOY)* Data center: $51B* Stock dumped hard post-earnings* Now sitting just above the 100-day MAMy call:“Great buying opportunity — but if you didn’t buy Friday, WAIT.”Target (TGT)* Good EPS beat* Revenue down* EPS: $1.78 vs $1.85 prior* Comparable sales: –2.7%Guidance: “low single digit decline” — not a disaster.Palo Alto Networks (PANW)* Revenue: +15.7%* Stock dropped –9%* Massive $3.35B acquisition (Chronosphere) raises complexity concernsShort-term: HoldLong-term: Strong buy zoneWalmart (WMT)* EPS beat: $0.77* Revenue beat: +3.18%* Strong, stable, long-term compounderBuy zone:* 100-day MA* Or light adding at 25-day MABULL (Fintech)* Reported positive earnings* Stock is down 90% from highsLong-term speculative:“If you allocate $100–$1,000 and forget it for 5 years, it might 10×.”But Visa (V) & Mastercard (MA) remain unbeatable in the long-term.Home Depot (HD)* EPS miss* Revenue beat* Dividend ex-date: Dec 4This is a slow, defensive, long-term dividend compounder.🗓️ Upcoming Earnings (This Week)transcript_2025-11-24T09_43_36.…Monday:* Zoom (ZM)* TimabticTuesday:* Dick’s Sporting Goods (DKS)* After bell: Dell (DELL), HP (HPQ), Autodesk (ADSK)Wednesday:* Deere (DE)💰 Your Trades This Week (Stocks + Options)You posted:🔹 Total November profit so far:€1,461 net (after tax)🔹 Stock Trades:* PG dividend received* Sold KMI (Kinder Morgan)* Sold 1 share AAPL* Sold physical gold🔹 Options Trades:* OSCR: Rolled calls, profit* NVDA: Multiple call sells, $113 total* TLT: Closed at −$65 loss* NFLX: Calendar spread + covered call profit* IBIT: $86 profit* GDX: −$98 lossWeekly Options Result:+$275 total🎄 Santa Rally Incoming?Your outlook:* Likely more pullback this week/next* But December Santa Rally is still your base case📌 Tickers MentionedNVDA, TGT, WMT, PG, HD, PANW, BULL, KMI, AAPL, OSCR, NFLX, IBIT, GDX, SPX, QQQ, DIA, IWM, GLD, SLV, USO, DXY, VIX, BTC, ETH, DKS, ZM, DELL, HPQ, ADSK, DE This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Good morning, traders and investors — what a brutal sell-off we had yesterday. Stocks tanked hard, volatility exploded, and even NVIDIA’s strong earnings couldn’t hold tech up. Today’s session is shaping up to be a potential turnaround — but signs of risk remain everywhere.Let’s break down the four reasons for the sell-off, the levels that matter, and where the best opportunities might be today.🚨 The 4 Major Reasons for Yesterday’s Market Sell-OffYesterday’s move wasn’t random. According to the transcript, four forces drove the SPX and NASDAQ lower:1️⃣ Tech Bubble Concerns (AI Mania Still a Threat)* Fear & Greed Index at 7 = Extreme Fear* AI bubble reports from Reuters & The Guardian* High valuations + concentrated tech exposure made the market fragile2️⃣ Mixed & Ambiguous Labor Market DataUnclear jobs data → confusion for Fed → uncertainty → sell-off.3️⃣ Volatility Spike (VIX +47%)VIX exploded from its lows to highs — a huge 47% jump.This kind of move is typical in short-term panic periods.4️⃣ Profit Taking at All-Time Highs* NVDA (NVDA) hit all-time highs* AMD (AMD) also at highs* Investors used the rally to lock in profitsAll four forces combined created a perfect storm.📉 Major Indices Breakdown (SPX, NASDAQ, RUSSELL, DOW)S&P 500 (SPX)Sell-off from peak: –3.5%Futures bouncing early but unstable.Key levels:* Above 23% Fibonacci retracement* 200-day MA = 6,280 (possible target)NASDAQ (QQQ / NDX)Peak-to-trough: –4.6%RUSSELL 2000 (IWM)Peak-to-trough: –4.15%Peak-to-trough: –2.4%NASDAQ futures briefly green → turned red → the sell-off may not be over.⚡ VIX Spike: Is the Panic Ending?The VIX ripped +47% yesterday — a massive move.But today, it’s cooling off.This implies a potential relief rally in the next 1–3 sessions.🛢️ Oil (USO)Oil is in a clear downtrend — yesterday’s action wasn’t even a real “sell-off.”Key buy zone:* Below $55 → “That’s a buy.”🪙 Gold (GLD) & Silver (SLV)Both are between the 20-day and 50-day moving averages — which you classify as a strong buy zone.* Gold holding 20-day MA* Silver between moving averages* Copper strong but slowing₿ Bitcoin (BTC / IBIT) & Ethereum (ETH / ETHE)BitcoinYesterday’s sell-off brought BTC into the first resistance level.If it holds → “perfect buying opportunity.”If not → a deeper zone lower is ideal.EthereumTracking Bitcoin closely.Still under the Ichimoku cloud — not yet bullish.Best strategy:Wait for a red day → buy LEAP → sell premium against it.🔥 Stock Market Signals: Walmart & Berkshire HathawayWalmart (WMT)Walmart held up amazingly during the market crash.Best buying zone:* Around $100, near 100-day MA* Ex-dividend December 12 (Friday expiration)Berkshire Hathaway (BRK.B)* Historically resilient* Classic “consolidate → break ATH → consolidate → break ATH” pattern* Better than bondsYou’re waiting for a pullback to buy again.🎄 Santa Rally Incoming?Your base case:* The sell-off is temporary* Rate cuts are coming* Even if cuts don’t happen → already priced in* Expect a Santa Claus rallytranscript_2025-11-21T10_57_42.…Backup scenario:* If not December → a rally in late January.📌 Mentioned Stocks & TickersCompanyTickerNVIDIANVDAAMDAMDEli LillyLLYWalmartWMTBerkshire HathawayBRK.BSPXSPYNASDAQQQQRussell 2000IWMDow JonesDIAGLDGLDSLVSLVUS Oil FundUSOBitcoin ETFIBITEthereum ETFETHE This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Top 5 Fintech Stocks Set to Outperform Over the Next 12–36 MonthsMELI • NU • SQ (Block) • PYPL • AFRMWelcome back to Wealth Dome, where I build and protect wealth.Today’s breakdown is all about Fintech — one of the fastest-growing sectors in the world.I’ll walk you through:* My Top 5 Fintech Stocks* A complete $5,000 portfolio allocation* Fundamentals + technicals* Growth forecasts, risks, and ideal buy zones* My personal weightings for each positionThis is not financial advice, just how I would structure a high-conviction fintech portfolio with a 12–36 month outlook.Let’s dive in.⭐ 1. MercadoLibre (MELI) — Core Position, 40% Target WeightMercadoLibre remains my #1 fintech pick, combining:* 40–50% YoY fintech revenue growth* MercadoPago processing billions monthly* Growing credit portfolio with improving margins* 50%+ gross margins in e-commerce* One of the strongest ecosystem moats in Latin AmericaThink of MELI as:Amazon + PayPal + Shopify in a $600B emerging market.Technical Outlook* Consolidating after a pullback* Uptrend intact on 5-year chart* Ideal for long-term DCA* Strong EPS growth: $41 (2025) → $125 (2028)Risks* FX volatility* Competition: NU Bank, Shopee* ValuationMy Allocation:✔ 1 share✔ $2,058 → 41% of portfolio⭐ 2. NU Holdings (NU) — 25% Target WeightThe fastest-growing neobank in the world.Fundamentals* 100M+ customers* ROE above 30%* Extremely low cost-to-serve* Massive scale potentialEPS forecast2025 → $0.602026 → $0.842027 → $1.092028 → $1.62Buy Zones* Best levels: $11–$13* Current price: $15.30 (still strong long-term value)Risks* Credit defaults* Valuation* Regulatory uncertaintyMy Allocation:✔ 65 shares✔ $1,000 → 20% (after correcting earlier)⭐ 3. Block (SQ) — 20% Target WeightBlock is a full fintech ecosystem:* Cash App: huge user engagement* Square: expanding merchant solutions* Crypto integration* Consistent gross profit growthTechnical Setup* Oversold: RSI ~23* Strong long-term support in the $50–$40 range* High volatility = high opportunityRisks* Execution risk* PayPal & Apple Pay competition* Volatility is massiveMy Allocation:✔ 17 shares✔ $979 → 20%⭐ 4. PayPal (PYPL) — 15% Target WeightPayPal is no longer a hyper-growth stock — but it’s a value fintech play.Strengths* Strong cash flow* Cost optimization* High global adoption* Dividend yield: 0.92%Technical View* Near long-term lows* Almost oversold* Great risk/reward for long-term value investorsRisks* Losing users to Apple Pay & Block* Margin compression* CEO executionMy Allocation:✔ 12 shares✔ $750 → 15%⭐ 5. Affirm (AFRM) — 10% Target WeightThe purest BNPL (Buy Now Pay Later) stock in the U.S.Strengths* Amazon + Shopify partnerships* Growing GMV* Expanding merchant network* Improving marginsTechnical View* Beautiful bullish trend* Bouncing off 50-day MA* Strong multi-year growth runwayRisks* Very high volatility* Credit risk* Competition from Apple’s BNPL productMy Allocation:✔ 3 shares✔ $197 → 10%📊 Final Portfolio SummaryThis is an aggressive fintech portfolio, optimized for growth in a 1–3 year window. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Good morning traders and investors!In today’s Before the Bell breakdown, we’re seeing a surprising bounce across major indices, fresh opportunities in gold and oil, a strong Bitcoin recovery, and two cybersecurity stocks showing great setups heading into earnings.Let’s jump into the charts, the market mood, and the trade opportunities from today’s session.transcript_2025-11-20T13_37_44.…📈 Market Overview: SPY, QQQ and the Bounce BackThe market is showing a strong pre-market bounce, with SPY recovering from 662 to 678 on futures.* Price is opening above the 50-day moving average,* MACD still gives a sell signal,* RSI is attempting a reversal.transcript_2025-11-20T13_37_44.…NASDAQ (QQQ) is also opening in the green, up 10 points, reclaiming its 50-day moving average.transcript_2025-11-20T13_37_44.…🟡 Gold (GLD & GDX): A Potential Entry PointGold sold off but is holding the 20-day moving average, showing solid support.transcript_2025-11-20T13_37_44.…GDX Options Setup (Gold Miners ETF)You mentioned a strong setup:* Sell $67–$76 puts* Yield: $72–$100* Risking ~$670transcript_2025-11-20T13_37_44.…This is >10% monthly return — fantastic risk/reward if support holds at $73–74 on GDX.Gold LEAP Setup* Buy January 2027 LEAP* Sell monthly calls outside 1SD* Return: $70–$80 per monthtranscript_2025-11-20T13_37_44.…🥈 Silver (SLV): Good Chart, Weak Options PremiumSilver is pulling back but has strong support below.However:* Selling the $43 put yields only ~$30 while risking $410* Gold trade is superiortranscript_2025-11-20T13_37_44.…🛢️ Oil (USO, XLE): Resistance OverheadUSO is bouncing into resistance at the 20-day MA.Pre-market: Jump from 70 → 71.54.transcript_2025-11-20T13_37_44.…However:* Heavy overhead resistance* Better trade: LEAP + Covered Calls* Requires ~$2,372 buying powertranscript_2025-11-20T13_37_44.…XLE offers nothing attractive at the moment — poor premiums.transcript_2025-11-20T13_37_44.…₿ Bitcoin (IBIT) and Ethereum (ETHE): Strong Overnight JumpBitcoin ETF (IBIT):* Huge bounce (~4% post-bell + pre-market)* You already hold a LEAP (Jan 2027 $400)* Selling calls brings in $61–71, risk-free against your long calltranscript_2025-11-20T13_37_44.…Ethereum ETF (ETHE):* Up nearly 4%* But price sits under the Ichimoku cloud* Better to wait for a red day, then buy LEAP + sell callstranscript_2025-11-20T13_37_44.…💼 NVIDIA (NVDA): Quick Earnings RecapNVDA earnings → Beat on revenue, guidance strong, bulls are back.But: You wouldn’t buy here — wait for pullback.transcript_2025-11-20T13_37_44.…🛡️ Cybersecurity Stocks: PANW & CRWDPalo Alto Networks (PANW)* Major pullback* Bouncing into 200-day MA* A buyable nibble zonetranscript_2025-11-20T13_37_44.…Great put-selling setups:* $175 strike → ~$200 premium* $170 strike → ~$127 premium* ~10% monthly return potentialtranscript_2025-11-20T13_37_44.…CrowdStrike (CRWD)* Your favorite cybersecurity stock* If CRWD ever hits the 200-day MA → back up the trucktranscript_2025-11-20T13_37_44.…📊 Today’s Earnings CalendarBefore the bell:* Walmart (WMT)* Zim (ZIM)After the bell:* Intuit (INTU)* Gap (GPS)* Bath & Body Works (BBWI)transcript_2025-11-20T13_37_44.…📌 Mentioned Stocks & Ticker SymbolsTickerCompanySPYS&P 500 ETFQQQNASDAQ 100 ETFGLDGold ETFGDXGold Miners ETFSLVSilver ETFUSOOil ETFXLEEnergy ETFIBITBitcoin ETFETHEEthereum ETFNVDANVIDIAPANWPalo Alto NetworksCRWDCrowdStrikeWMTWalmartZIMZIM Integrated ShippingINTUIntuitGPSGapBBWIBath & Body Works This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Good morning traders and investors!Welcome to another Before the Bell edition of WealthTown, where we build and protect wealth through disciplined analysis and well-timed opportunities.Today is a major market event day — NVIDIA earnings day. This is the kind of session where the entire stock market may move sharply in one direction depending not only on NVIDIA’s results, but more importantly, on their forward guidance.If you’re a trader, today is one of those days where doing nothing may be the smartest trade.🔥 Market Sentiment: Extreme Fear Levels* The Fear & Greed Index sits at 12 — Extreme Fear* Futures pointing slightly higher pre-market* Despite the futures bounce, fear still dominates as traders wait for NVDAExtreme fear often creates opportunity — but it also increases volatility. Expect sharp intraday moves.📉 Major Indices OverviewS&P 500 (SPX / SPY)* Closed at 4,670* Still in an uptrend but lost the 50-day moving average* RSI trending downward → caution warranted* SPY slightly green pre-market but lacks convictionNASDAQ (NDX / QQQ)* Closed negative but futures point higher* Entire tech sector is waiting for NVIDIA earnings (NVDA)Dow Jones (DJIA / DIA)* Closed down yesterday* Slight uptick pre-market but nothing meaningful ahead of NVDARussell 2000 (RUT / IWM)* Bounced into the 100-day moving average* Below that level = room for more downside* A deeper sell-off would not be surprising⚠️ Volatility & DollarVIX* Drifting lower pre-market* But likely to spike on NVDA earnings volatilityDXY – Dollar Index* Climbing again* A rising dollar → bearish pressure on equities🛢️ Oil Trade Idea (USO / XLE)Oil is down big today, which creates a possible long-term entry setup.Trade Setup Example (USO):* LEAP: $51 strike – Jan 15, 2027* Approx. cost: $25.90* Sell monthly calls 1 SD OTM on green days* Avoid selling puts at risky levels (e.g., $56 strike)Patience = key. Wait for a green day before selling premium.🪙 Gold & Silver (GLD / SLV)Gold (GLD)* Strong upward move* Target to take profit: around 380* If price pulls back to the 200-day MA, consider new LEAPSSilver (SLV)* Silver is having a major breakout day* Strong bullish momentum across commodities including copper💱 Currencies* EUR/USD dropping as the dollar strengthens* USD/JPY moving up* Dollar strength continues to pressure risk assets₿ Bitcoin (BTC)* Still selling off* RSI at 29, but likely not the bottom* More downside possible — caution advised🎬 Featured Trade: Netflix (NFLX)Netflix appears to have found its bottom at the 200-day moving average.If you’re long-term bullish:NFLX LEAP Idea:* Jan 15, 2027 expiration* Approx. cost: $42–$43* Sell monthly calls against it* Great for long-term share accumulation🚨 Closing ThoughtsToday’s market is all about NVIDIA (NVDA).Massive volatility is expected — the first 15 minutes after the bell may determine market sentiment for the entire week.Stay safe. Stay patient. Let the market come to you.More videos and trade breakdowns coming later today — including the Top 5 Fintech Stocks Under $5,000 portfolio.🔗 Mentioned Stocks & Ticker Symbols* NVIDIA — NVDA* Netflix — NFLX* Eli Lilly — LLY* GLD — GLD* Silver ETF — SLV* US Oil Fund — USO* Energy Select Sector — XLE* SPY — SPY* QQQ — QQQ* DIA — DIA* IWM — IWM* Bitcoin — BTC This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Eli Lilly (LLY): Is the $1,000 Stock Still a Buy — or a Breakdown Waiting to Happen?Forget Big Tech for a moment.There’s a pharmaceutical titan sprinting toward a potential $1 trillion valuation, reshaping healthcare — and possibly your portfolio.We’re talking about Eli Lilly (LLY).The stock surged above $1,000 per share, driven by blockbuster obesity and diabetes drugs, massive revenue beats, and a pipeline that could redefine modern medicine. But with the stock looking extremely expensive…Is LLY still a buy? Or does a major pullback make more sense?Let’s break it down.💊 Eli Lilly’s Explosive Growth: The Fundamentals🚀 Revenue Growth: +54% YoYQ3 revenue hit $17.6B, fueled by two mega-drugs:1️⃣ Mounjaro (Tirzepatide)* Type 2 diabetes treatment* $6.5B in Q3 sales (+100% YoY)* One of the fastest-growing drugs in pharma history2️⃣ Zepbound* Obesity / weight-loss drug* Approved for chronic weight management* Part of the fastest-expanding drug category in the worldThe obesity drug market could reach $80B by 2030 — and Lilly is dominating.EPS Blowout* Q3 EPS: $7.20* Analyst estimate: $5.89Lilly is printing money.Raised Guidance2025 revenue guidance: $63B–$63.5BManagement only guided one year out — but confidence is sky-high.🔬 The Real Long-Term Engine: The PipelineLLY is not a one-drug pony.Upcoming catalysts include:🟦 Orforglipron (Oral GLP-1)* Oral weight-loss pill* Eliminates injection barrier* Regulatory submissions planned for late 2025🧠 Donanemab (Alzheimer’s Treatment)* Full FDA approval* Huge unmet medical need* Prestige + long-term revenue potential* Adoption may be slow due to safety monitoring — but impact is enormousThis pipeline justifies Lilly’s premium valuation better than any other pharma giant.📉 The Bear Case: The Price Is… HighAt $1,000–$1,025, LLY is:* Overbought on the daily RSI (83+)* Approaching overbought on the weekly RSI (70)* Trading well above long-term moving averages* Roughly at intrinsic value based on some DCF modelsEven bulls admit:“LLY needs a pullback.”📈 Technical AnalysisTrend: Strongly bullishShort-term:* Pullback likely* Support near $900–$930* Ideal dip-buy zoneMedium-term:* Reasonable range: $1,000–$1,200Long-term:If pipeline delivers and Novo Nordisk doesn’t catch up:LLY could hit $1,500+.Analysts already project a high-end 12-month target of $1,500.Downside risk:If market corrects sharply →LLY could revisit $700s (unlikely without macro shock).🧠 Investor ConclusionEli Lilly is:✔ Fundamentally elite✔ Dominating the fastest-growing pharma segment✔ Backed by a pipeline that supports long-term growth✘ Very expensive in the short term✘ Technically overbought✘ Prime for a pullback before new highsShort-term: Expect volatility & potential pullbackLong-term: One of the strongest healthcare names on the planet This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Hello traders and investors — welcome back to Wealth Dome, where I build and protect wealth.Today’s breakdown focuses on the top five stocks positioned to outperform over the next 1–3 years, not because of hype, but because fundamentals + technicals + catalysts all align right now.Let’s dive right in.⭐ 1. Meta Platforms (META)📈 AI-driven ads • WhatsApp monetization • Global platform dominanceAfter running from $300 to nearly $800, Meta pulled back to the $600 zone — not due to weak performance, but due to rising CapEx for AI infrastructure.Earnings Snapshot* EPS beat* Revenue strong double-digit growth* AI-optimized advertising pushing ROAS higher* WhatsApp business expansion underwayMark Zuckerberg said:“We are building for the next decade of AI.“Short-term margin pressure, long-term dominance.Technical Breakdown* RSI oversold (daily)* MACD oversold, trying to trigger a buy* Below major MAs → near-term resistance* Weekly chart still bullish above 100-dayCatalysts* WhatsApp business monetization* AI ad performance expansion* Reality Labs optional upsideRisks* High CapEx* Regulatory pressure (especially EU)* TikTok + YouTube competitionOutlook* Short-term: Neutral → bullish* Long-term: Very bullish⭐ 2. Amazon (AMZN)📈 AWS acceleration + Ads > YouTube + peak automation cycleAmazon’s earnings remain some of the strongest in mega-cap tech.Earnings Snapshot* EPS beat* Margin expansion improving* AWS revenue re-accelerating* Ads growing faster than YouTubeCEO comment:“The largest AWS infrastructure upgrade cycle ever.”Technical Breakdown* Stock pulled to 20-day MA* All MAs aligned bullish: 20 > 50 > 100 > 200* RSI ~50* MACD sell signal but stabilizingCatalysts* AWS hitting +20% growth again* Advertising becoming a mega-engine* Robotics lowering fulfillment cost* Healthcare + logistics expansionRisks* Cloud competition (Azure, Google Cloud)* Antitrust pressure* Retail softening in recessionOutlook* Strong long-term compounder* Ideal 1–3 year hold⭐ 3. MercadoLibre (MELI)📈 Amazon + PayPal + Shopify of Latin AmericaOne of the strongest digital growth stories on the planet.Earnings Snapshot* 30–40% revenue growth* Fintech margins rapidly improving* Massive multi-year runwayTechnical Breakdown* RSI: 36 (oversold territory)* MACD Sell* Sitting near long-term weekly supports* Historically bounces from 200-day MACatalysts* Fintech becoming the primary revenue engine* E-commerce adoption accelerating across LATAM* Logistics moat extremely strongRisks* FX volatility* Political instability* Amazon competitionOutlook* Premium valuation, but justified* My top non-US long-term pick⭐ 4. Brookfield Corporation (BN)📈 Global alternative asset management giantBrookfield is a global compounder controlling:* Infrastructure* Real estate* Renewables* Private credit* Private equityEarnings Snapshot* Fee-related earnings growing* AUM ~ $900B* Strong global capital recycling* Completed acquisition of Oaktree stake (Howard Marks legacy)Technical Breakdown* Between 100-day and 200-day MA* RSI ~40 (mildly oversold)* Attractive long-term entry zone approachingCatalysts* Global infrastructure spending* Private credit overtaking banks* Renewables accelerating worldwideRisks* Real estate drag* Multi-business complexity* Macro sensitivityOutlook* One of the best long-term compounders globally* I prefer BN over many ETFs⭐ 5. Netflix (NFLX)📉 Big drop → Huge opportunity?Netflix just had a 10:1 stock split, bringing the share price from ~$1,112 → ~$111.Earnings Snapshot* Beat all revenue + engagement metrics* Paid sharing strong* Ad tier scaling fastYet… stock dropped ~14%.Technical Breakdown* Below 200-day MA* RSI ~43* MACD Buy still holding* Split + earnings weighed on sentimentCatalysts* Ad tier becomes massive* Gaming strengthens engagement* AI lowers production costsRisks* High content costs* Amazon & Disney competition* Ad monetization volatilityOutlook* Short-term weak* Long-term very bullish💡 Final ThoughtsThese five stocks — META, AMZN, MELI, BN, NFLX — combine:* Strong fundamentals* Clear catalysts* Reasonable technical entry zones* Multi-year growth potentialI’ll follow up with a full video on how I would allocate $10,000 across these five stocks.Thanks for reading — I’m Norbert B.M.I build and protect wealth. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

How I Would Invest $10,000 Into 5 Stocks Today (12–36 Month Outlook)Welcome back to Wealth Dome, where I build and protect wealth.In the previous breakdown, I shared the five top stocks I believe will outperform over the next 12–36 months:⭐ Meta (META)⭐ Amazon (AMZN)⭐ MercadoLibre (MELI)⭐ Brookfield Corporation (BN)⭐ Netflix (NFLX)Today, I’ll show exactly how I would allocate $10,000 across these 5 stocks — using fundamentals, technical entries, and long-term conviction.🔥 Portfolio Allocation SummaryStockAllocationAmountRationaleMeta (META)25%~$2,500Oversold RSI + long-term AI ad growthAmazon (AMZN)25%~$2,350AWS acceleration + ads scaling + roboticsMercadoLibre (MELI)20%~$2,053LATAM fintech + e-commerce rocketshipBrookfield Corp (BN)15%~$1,461Global infrastructure + private creditNetflix (NFLX)15%~$1,670Post-split opportunity + fast-growing ad tierTotal invested: $9,957.74Cash remaining: $42.26⭐ Meta (META) — 25% AllocationCurrent price: $609Bought: 4 sharesWhy Meta here?* Oversold on RSI* MACD near buy trigger* Strong fundamental drivers* WhatsApp monetization + AI ad performance risingIf Meta dips further into its support zone, it becomes an even better buy.Long-term outlook: Very bullish.⭐ Amazon (AMZN) — 25% AllocationCurrent price: $235Bought: 10 sharesWhy Amazon?* AWS re-accelerating* Advertising growing faster than YouTube* Logistics & robots cutting costs* 20/50/100/200-day MAs perfectly bullishIf AMZN pulls back to its 200-day MA (~$180 area), it becomes a strong add.Long-term outlook: Excellent compounder.⭐ MercadoLibre (MELI) — 20% AllocationCurrent price: $2,053Bought: 1 shareMELI is expensive — but for good reason.Why MELI?* 30–40% revenue growth* Fintech segment exploding* Massive LATAM adoption runway* Strong long-term support zoneLong-term outlook: Top international pick.⭐ Brookfield Corporation (BN) — 15% AllocationCurrent price: $44.28Bought: 33 sharesWhy BN?* Exposure to infrastructure, renewables, private credit, real estate* Oaktree integration* Near long-term supportBN is like buying the world’s infrastructure growth engine.Long-term outlook: Strong and diversified.⭐ Netflix (NFLX) — 15% AllocationCurrent price: $111 (post split)Bought: 15 sharesWhy NFLX?* Split → psychological entry price advantage* Strong earnings* Paid sharing success* Ad tier growth accelerating* RSI 43 — attractive levelNFLX is perfect for a long-term 1–3 year horizon.📊 Final Portfolio Overview* $9,957 invested* $42 remaining cash* 5 carefully selected stocks spanning:* Tech* Consumer services* Communication services* Fintech* Global infrastructureA simple portfolio — yet diversified enough to weather most conditions.But remember:If a recession hits, everything drops. Diversification reduces risk — not eliminates it.🧠 Final ThoughtsThis is not financial advice — just how I would deploy $10,000 today based on valuation, technicals, and conviction.I’m Norbert B.M.I build and protect wealth.See you in the next breakdown. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

NVIDIA (NVDA) Pre-Earnings Breakdown | 5 Days Before Earnings: Buy the Dip or Big Risk Ahead?Good morning traders and investors — I’m Norbert B.M., and welcome to Wealth Dome, where I build and protect wealth.With 5 days to go until NVIDIA reports earnings on November 19th, the stock has started pulling back. The question now is simple:Is this a dip worth buying, or is the risk too high heading into earnings?Let’s break down NVIDIA’s fundamentals, technical setup, and option strategies before the big day.⚙️ Why NVIDIA Matters Right NowNVIDIA dominates AI accelerators, data center GPUs, gaming GPUs, autonomous vehicles, robotics, and more.The company sits at the center of the global AI boom — and investors treat it as the “heartbeat” of the entire AI cycle.CEO Jensen Huang (not Jason Wong) has led NVIDIA for decades and transformed it into a $4.5+ trillion giant, with analysts asking whether NVDA can hit $5 trillion by year-end.📊 NVIDIA Last Earnings HighlightsMetricValueRevenue$46BGross Profit$33BOperating Income$28BPre-Tax Income$31BNet Income$26BAdjusted EBITDA75%EPS (diluted)$0.67YoY Net Income Growth+168%📌 Segment Growth* Data Center: $26B (+16% QoQ)* Gaming: $2.9BThese numbers are insane — yet the market reaction last quarter was muted.Why?* Margin compression* Expectations already sky-high📈 NVIDIA Growth Expectations (Annual)YearRevenue Outlook2024: 2.94 → 2.95T2025: Expected 4.55T2026: Expected 6.74T2027: Expected 8.73T2028: Expected 8.01T2026–2027 are the critical years.If NVIDIA fails to “pull another rabbit out of the hat,” growth may taper.🧩 CEO Commentary (Jensen Huang)“Demand remains strong. Anticipation for Blackwell is incredible.Global data centers are in full throttle to modernize with accelerated computing and AI.”Translation: NVIDIA’s future growth relies on Blackwell AI chips becoming a global standard.⚠️ Risks & Pressure Points* China export restrictions* High expectations baked into the stock* Margin compression risk* Valuation stretched heading into earnings📉 Technical Analysis (5 Days Before Earnings)* MACD: Sell signal with growing red bars* RSI: 46 — slightly oversold, but not extreme* Price Action: Bounced off 50-day moving average* Still above: 100-day & 200-day — strong long-term uptrend* Ichimoku: Bullish — price above cloud, Tenkan > KijunSupport Zones* Primary: $170 (just under 100-day MA)* Secondary: $150–$130* Deep Value Zone: $115–$90Sub-$150 would be a massive buying opportunity.💰 Option Strategy (from your transcript)For Nov 21 expiration:* Sell $170 Put → ~ $190–$200 premium* If NVDA stays above $170: keep full premium* If NVDA drops below: you buy NVDA at $170Safer alternative:* Sell $167.50 Put for ~$150 premiumExpected earnings move ~ ±$15🧠 Investor Takeaways* NVIDIA is still riding the AI boom* Growth is exceptional* Expectations are dangerously high* The pullback may be buyable — but not without risk“If you’re holding for 2027–2028, current levels are fine.But a deeper pullback would be an even better gift.”📊 Mentioned StocksNVDA, AAPL, GOOGL, MSFT, QQQ, SPX🔗 Relevant Links* NVIDIA Investor Relations* Wealth Dome YouTube💡 Final ThoughtsNVIDIA’s upcoming earnings are one of the biggest catalysts of the year.The potential upside is massive — but so is the volatility risk.“If NVDA dips, I’m buying. If it pops, I’m holding.”— Norbert B.M., Wealth Dome This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Good morning traders and investors — I’m Norbert B.M., and welcome back to Wealth Dome, where I build and protect wealth.Advanced Micro Devices (AMD) just posted its strongest quarter in company history, with $7.7 billion in revenue, a 32% year-over-year increase, and rising demand for AI data center chips.But despite record growth, margins collapsed, triggering volatility across semiconductor stocks.So, is AMD a buy, sell, or hold? Let’s break it down 👇⚙️ AMD Earnings Highlights (Q2 2025)🧩 What’s Behind the Margin Decline?“The fundamentals are solid — the drop is largely due to accounting and export-related headwinds.”💾 Data Center SegmentSegmentQ2 2025YoY ChangeRevenue$3.2B+14%Operating Margin5%+ improvementOperating Income−$155M↓ from −$743M YoYThe data center division continues to show strength, though profitability remains under pressure.🧮 Financial Outlook (Q3 2025 Guidance)* Revenue: $8.7B ± $300M* Gross Margin: 54%* Operating Expenses: $2.55B* Effective Tax Rate: 13%“If AMD delivers on this guidance, they’re on track for one of their most profitable years ever.”🔮 Long-Term Growth ForecastGrowth expectations are extremely bullish, especially from 2026 onward.But the key question: has the stock already priced it in?⚠️ Risks & Challenges* Margin compression from export restrictions* Execution risk for MI350/MI450 accelerators* Potential China export delays* Rising competition from NVIDIA (NVDA)“AMD’s success depends on flawless execution in a tightening global environment.”🧭 Technical Analysis* RSI: 61 — neutral* MACD: Attempting bullish crossover* Ichimoku Cloud: Price above cloud (bullish trend)* Key Support Levels: 240 → 215 → 190 → 165* Resistance: 300 (psychological + Fibonacci 125% extension)“A correction to the $215–$235 zone could create the next big entry point.”🧠 Trader’s View* Short-Term: Volatile; expect consolidation* Swing Traders: Target $215–$235 for re-entry* Long-Term Investors: Still strong — execution and timing matter💬 CEO Commentary (Lisa Su)“We are well positioned to deliver significant growth in the second half of the year, driven by the ramp of our MI350 accelerators and Ryzen processor sales.”Translation: AMD is betting hard on its next-gen AI chips — execution is everything.📈 Analyst UpgradesFollowing AMD’s growth projection of 35% compounded annual revenue growth, several analysts upgraded the stock with price targets ranging $285–$320, citing long-term AI momentum.📊 Mentioned StocksAMD, NVDA, TSMC, SPX, QQQ, MSFT, GOOGL, META🔗 Relevant Links* AMD Investor Relations* Wealth Dome YouTube Channel* Lisa Su’s Growth Forecast Article (LA Times)💡 Final ThoughtsAMD remains a top-tier AI and semiconductor growth stock, but after a major rally, risk/reward looks balanced in the short term.“The fundamentals are strong — but the price may already reflect 2026.”Patience and timing are key for the next leg up. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Good morning traders and investors — I’m Norbert B.M., and welcome to Wealth Dome, where we build and protect wealth.Today we’re taking a deep dive into Rocket Lab (RKLB) — the small-cap space company that’s quietly becoming one of the most consistent performers in aerospace.Rocket Lab just reported record-breaking quarterly revenue, up 48% year-over-year to $155 million, while also securing new defense-grade contracts and expanding into satellite and payload systems.Let’s unpack the results and see whether this recent dip is a buy-the-dip opportunity or a warning sign.🚀 Rocket Lab (RKLB) Q3 2025 Earnings HighlightsMetricResultYoY ChangeRevenue$155M+48%Gross Margin (GAAP)37%Record HighEPS (GAAP)−$0.03Improved from −$0.09Launch Contracts70 Dedicated LaunchesRecord HighLiquidity$1.0B+After New Financing“We once again delivered record revenue with progress across our major space system programs. Our backlog is strong, and we’re poised to deliver long-term growth.”— Peter Beck, CEO, Rocket Lab🛰️ Company OverviewRocket Lab is a full-stack space company — designing, manufacturing, and launching rockets, as well as satellites and defense-grade payload systems.* Launch Systems: Electron (operational), Neutron (in development)* Space Systems: Satellite design, integration & defense tech* Government Partnerships: U.S. Department of Defense, NASA“Rocket Lab isn’t just a launch company anymore — it’s becoming a full-scale defense and space infrastructure player.”💡 Financial Outlook (Q4 2025 Guidance)* Revenue: $170–$180M* Gross Margin: 37–39%* Adjusted EBITDA: −$23M to −$29M* Profitability Goal: 2026 (cash flow neutral by year-end)Rocket Lab continues to narrow its losses each quarter — a critical milestone for long-term investors betting on the commercialization of low-Earth orbit operations.📈 Stock Performance* YTD: +101%* 1-Year: +250%* Current Price: ~$51* Support Zone: $49–$50 (100-day MA)* Resistance Zone: $58–$60 (50-day MA)The stock remains above its 100-day moving average, but the RSI at 38.8 shows it’s nearing oversold territory, creating an interesting setup for swing traders.“If RKLB dips under $50, that’s where nibbling starts. Patience pays in volatile growth sectors.”🔍 Technical Breakdown* Ichimoku Cloud: Inside (neutral, turning red soon)* MACD: Bearish crossover forming — short-term weakness likely* RSI: 38.8 (mildly oversold)* Trend: Holding the long-term uptrend but needs momentum confirmationBuy Zone: $47–$50 rangeStrong Buy Zone: $40–$45 (if market correction deepens)⚖️ Pros vs Cons✅ Strengths* 48% revenue growth* Record contract backlog* Expanding into defense and payload systems* Over $1B liquidity⚠️ Weaknesses* Still unprofitable* Heavy CapEx requirements* Market sensitivity to growth stocks* High competition (SpaceX, Blue Origin, Amazon’s Kuiper)“Strong fundamentals, but execution and patience are key — this is still a long-term play.”🧭 Trader’s Take* Short-Term: Neutral to slightly bullish; expect volatility* Mid-Term: Accumulate between $40–$50* Long-Term: Strong growth potential once Neutron rocket launches“You can’t invest in SpaceX — but you can own Rocket Lab.”📊 Mentioned StocksRKLB, SPCE, AMZN, TSLA, SPX, QQQ🔗 Relevant Links* Rocket Lab Investor Relations* Wealth Dome YouTube Channel* NASA Partnership Overview💡 Final ThoughtsRocket Lab continues to deliver — not just rockets, but consistent execution.For investors who believe in the commercial space race, RKLB remains one of the few accessible, credible plays.“Growth is real, profitability is coming — but as with space, timing is everything.” This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Good morning traders and investors — I’m Norbert B.M., and welcome back to Wealth Dome, where we build and protect wealth.Today we’re breaking down one of the most surprising stories in the AI and infrastructure world — Iris Energy (IREN).Formerly a Bitcoin mining company, Iris has transformed into a full-fledged AI data center operator, powered by renewable energy and secured by a $9.7 billion multi-year deal with Microsoft (MSFT).The result? A stock that’s up nearly 480% year-to-date.But is this sustainable — or is IREN getting ahead of itself?Let’s dive in 👇⚙️ From Bitcoin to AI Cloud: The PivotOriginally focused on crypto mining, Iris Energy now uses its vertically integrated power infrastructure to host large-scale GPU clusters in renewable-rich regions.This transition has shifted IREN from volatile mining profits to high-margin, recurring cloud revenue.“It’s not a crypto story anymore — it’s an AI infrastructure story.”💰 The $9.7B Microsoft PartnershipThis is the crown jewel of Iris’s business pivot.* Contract Size: $9.7B over five years* Partner: Microsoft (MSFT)* Purpose: Deliver and operate NVIDIA GB300 GPU clusters for AI and data workloads* Revenue Backlog Visibility: Extremely high — rare for a company of this size“AI startups dream of this kind of guaranteed revenue stream.”This deal effectively transforms Iris Energy into a miniature AI cloud provider with a powerful client base and long-term cash visibility.📊 Financial Snapshot (Q1 2026 Guidance)MetricValueChange (YoY)Revenue$240M+335%Net Income$384MHuge turnaroundNet Margin160%ExceptionalFree Float Shares254M—Long-Term Debt$60MManageablePE Ratio31Reasonable for growthP/S Ratio32High but justified by backlogThis is massive growth, but remember — markets move on expectations, not just results.📉 Valuation vs PeersCompanyPE5-Year AvgCommentIris Energy (IREN)31−2.7From loss to profitBitmain−35696Volatile mining modelApplied Digital (APLD)−44−124UnprofitableMarathon Digital (MARA)65200+Still speculativeIREN clearly leads its group — but the valuation premium reflects that.“Investors are paying for the AI narrative — not the current numbers.”⚠️ Execution Risks* Speed of buildout: Any delay in data center expansion could hurt sentiment.* Power access: Large-scale GPU clusters require reliable, renewable energy.* Supply constraints: NVIDIA GPU shortages could slow deployment.* Overvaluation: Traditional DCF puts IREN closer to $25/share, far below its current $69/share.“The story is strong — but the stock price may be sprinting ahead of reality.”📈 Technical Analysis* Daily Chart: Above 50-day MA, pierced 20-day recently — short-term correction likely.* Weekly RSI: 83 (massively overbought)* MACD: Bearish divergence — potential correction setup.* Support Levels: $60 → $50 → $35 major long-term zone* Resistance: $70–$75 range“The chart suggests a healthy correction is coming. Long-term bulls should wait for re-entry near $35–$45.”🧭 Trading Viewpoint* For Swing Traders: Avoid chasing — wait for RSI reset below 50.* For Long-Term Investors: Hold small position; scale in during 20–30% dips.* For Risk-Takers: Watch $21–$25 as the deep value accumulation zone.“If IREN revisits the $20s — that’s where smart money steps in again.”💬 Personal Take“I hold a small position in IREN, but I’m waiting for a deeper correction before adding. Growth stories like this often retrace hard before the next run.”📊 Mentioned StocksIREN, MSFT, NVDA, BITF, APLD, MARA, BTCUSD🔗 Relevant Links* Iris Energy Investor Relations* Microsoft IR* Wealth Dome YouTube Channel💡 Final ThoughtsIris Energy has done what few crypto miners could — reinvent themselves into AI infrastructure providers.The fundamentals are improving, but valuation risk remains high.“Be patient. AI and energy convergence is real — but let the market give you a discount.” This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Meta (META) Stock Crash: Buy, Hold, or Sell? | 26% Oversold RSI & AI Growth BreakdownGood morning traders and investors — I’m Norbert B.M., and welcome back to Wealth Dome, where I build and protect wealth.After a strong year of performance, Meta Platforms (META) stock has pulled back sharply post-earnings — down over 20% from recent highs.So the question is:“Is this a buying opportunity, a warning signal, or just a healthy correction?”Let’s break it all down 👇💡 What Hit META Stock?Two major things:* Infrastructure spending surge — heavy Reality Labs CapEx.* $50.9 billion tax charge, which distorted reported net income.Despite these one-time factors, Meta’s core business remains a cash-printing machine — but the stock market has shifted its narrative from undervalued tech to AI growth story under scrutiny.📊 Meta Q3 2025 Earnings OverviewMetricQ3 2025YoY ChangeRevenue$51.24B+26%Net Income$2.7B↓83% (due to tax charge)Adjusted Net Income$18.6B+19% (excluding tax)Free Cash Flow$10.6B+28%EPS (diluted)$7.25+6.2%Key takeaway:“The fundamentals are still strong — it’s the accounting that spooked investors.”🧮 Valuation vs PeersCompanyPE Ratio5-Year AvgCommentMeta (META)25.521.9Slightly above avgAlphabet (GOOGL)33.921More expensiveMastercard (MA)37.749ExpensiveNetflix (NFLX)5549OvervaluedAlibaba (BABA)2022Cheap alternativeMeta’s forward PE sits just above its historical average — not cheap, but still fair compared to peers, especially given AI-driven ad revenue acceleration.🤖 Growth Drivers* AI-Enhanced Ad Targeting – boosting impressions & price per ad.* Reels Monetization – closing the gap with TikTok.* Threads Growth – slow but steady user base expansion.* Reality Labs (VR/AR) – CapEx-heavy but strategic for future platforms.“Meta is not a social media company — it’s an ad company with AI scalability.”📈 Ad Performance by Region (YoY Change)RegionAd ImpressionsAvg. Price per AdU.S. & Canada↓1%Slight declineEurope+9%Up from 6%Asia-Pacific+23%Strongest regionRest of World+20%Strong reboundThe most important metric: Meta’s pricing power remains intact.“When a company can raise ad prices — that’s real strength.”⚙️ Technical Analysis: Oversold Setup* RSI: 26.3 (massively oversold)* MACD: Bearish crossover, but flattening* Ichimoku Cloud: Below cloud (short-term bearish)* Support: $500–$570 zone* Resistance: $650–$680 zone“A bounce toward the 200-day moving average is likely — the 500–570 zone could be a generational buy area.”🧭 Buy, Hold, or Sell?* Long-Term Investors: Hold and consider adding gradually near support.* Swing Traders: Watch for RSI recovery and confirmation near 570.* Short-Term Outlook: Oversold bounce likely, but volatility remains high.“If you already own META, hold tight. If you’re looking to add, scale in between $500–$570.”📊 Mentioned StocksMETA, GOOGL, MA, NFLX, BABA, KO, SPX, NDX🔗 Relevant Links* Meta Investor Relations* Wealth Dome YouTube Channel* Meta Q3 2025 Report💬 Final ThoughtsMeta remains one of the most profitable AI-powered ad businesses in the world.Short-term pain from tax and CapEx spending is overshadowing a structurally strong cash engine.“This is not a broken company — it’s a misunderstood one. Great companies go on sale only a few times per decade.” This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Growth is King, Profit is the Crown | Weekly Market Recap (Nov 8, 2025)Good morning traders and investors — I’m Norbert B.M., and welcome to the Weekend Edition of Wealth Dome, where I build and protect wealth.This first week of November sent a powerful message:“Growth is king, but profitability is the crown.”Earnings season continued at full steam with high-profile reports from AMD, Super Micro Computer, Palantir, Uber, Airbnb, Shopify, Spotify, Hims & Hers, Novo Nordisk, Celsius, and Elf Beauty — painting a picture of a market divided between AI-driven growth and profit-driven fundamentals.📈 Market Overview* S&P 500: +0.13% (still strong, 17% YTD)* NASDAQ: −0.25% (but up 21.5% YTD)* Dow Jones: +0.06% (up 12% YTD)* Russell 2000: −1.3% (lagging small caps)10-Year Treasury Yield: 4.09% (up from 3.9%)VIX: 22.7 — volatility creeping back inWTI Crude Oil: ~$59–60, hovering under pressureGold: Testing $4,000 resistance — potential for range-bound tradesBitcoin: ~$102,000, consolidating for a possible Santa Claus rally“The message is clear: AI spending drives growth, but the market is rewarding companies that deliver both expansion and profitability.”💾 Earnings Breakdown⚙️ Semiconductors & AI InfrastructureAMD (AMD)* Revenue: $9.2B (+36% YoY)* EPS: $1.20 (beat)* Data Center Growth: +36%* PC Segment: +46% rebound“AI story validated — buy for the long term.”Super Micro Computer (SMCI)* Revenue: $2.33B (miss)* EPS: Missed expectations* Stock down 27% in 5 days due to delivery delays on AI orders.“Short-term pain, long-term potential. Buy cautiously under $40.”Palantir (PLTR)* Revenue: $1.8B (+63%)* EPS: $0.20 (beat)“Commercial growth is booming, but valuation remains stretched. Hold for now.”🚗 Digital Commerce & PlatformsUber (UBER)* Gross Bookings: $49.7B* Free Cash Flow: $2.2B* EBITDA: $2.3B (beat)“Strong across delivery and mobility — a long-term buy under $45.”Airbnb (ABNB)* Revenue Beat, EPS Miss“Found footing near $117. Quality compounder but rich valuation. Wait for deeper pullback.”Shopify (SHOP)* Revenue: $2.84B (beat)“Momentum into the holiday season — near-term buy if technicals hold above Ichimoku cloud.”Spotify (SPOT)* Revenue & Subscriber Beat“Margins improving, but chart still weak — cautious add only if it holds above 200-day MA.”💊 Health & Consumer StaplesHims & Hers (HIMS)* Revenue: $599M (+49% YoY)“Growth story strong, but profitability unclear. Wait for margin stabilization.”Novo Nordisk (NVO)* Revenue Beat, EPS Beat* Weight-loss drugs fueling long-term potential.“Buy long-term; great dividend and growth catalyst in 2026.”Celsius (CELH)* Revenue: +97% YoY* Margins expanding“Oversold but fundamentally strong. Buy opportunity under $60.”Elf Beauty (ELF)* Revenue Beat, EPS Beat“Digital-first strategy winning — Buy. Best-in-class consumer growth stock.”💬 Investor Takeaways* AI CapEx boom continues: AMD, SMCI, and PLTR are leading.* Consumer resilience in ELF and CELH contrasts with weak staples.* Profitability matters more than ever — the market is rewarding cash flow.“Use weakness in quality names as an opportunity to accumulate for 2026.”📅 Next Week’s Earnings to Watch* Disney (DIS)* Cisco (CSCO)* Brookfield (BN)* Paramount (PARA)* Bitmain, Hive, and Oklo (speculative plays)💸 My Weekly Trades & Portfolio UpdateDateTickerResult (€)TypeNov 3NLY+€39DividendNov 4CPB+€33.75DividendNov 4RACE+€124Sold positionNov 4MELI+€793Sold positionNov 4FHN+€68Small tradeNov 4AMZN+€270Pre-earnings saleNov 4AXON+€134Closed position💰 Weekly Profit: €1,268📊 November Goal: €500/week — on track!📊 Mentioned StocksAMD, SMCI, PLTR, UBER, ABNB, SHOP, SPOT, HIMS, NVO, CELH, ELF, AMZN, AXON, MELI, RACE, FHN, NLY, CPB, DIS, CSCO, BN, PARA🔗 Relevant Links* Wealth Dome YouTube Channel* AMD Investor Relations* Palantir Investor Relations* Uber Investor Relations* Elf Beauty Investor Relations* Celsius Investor Relations🧠 Final ThoughtsThe first week of November set the tone — AI innovation meets disciplined profitability.Investors who can balance growth with patience will outperform over the next cycle.“Be the investor who waits for great companies to fall into your buy zone — and never stop protecting your wealth.” This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

ELF Beauty (ELF) Stock Tanks After Earnings | Rising Debt, Margin Pressure & Hidden OpportunitiesGood morning traders and investors — I’m Norbert B.M. and this is Wealth Dome, where we build and protect wealth.Today’s focus is on ELF Beauty (ELF), the mass-market cosmetics brand that just reported its 27th consecutive quarter of growth — an incredible streak. But while sales rose again, the stock dropped sharply after hours.Let’s break down what happened, why the market reacted this way, and what’s next for this fast-growing beauty brand.💄 Company OverviewELF Beauty is a clean, vegan, cruelty-free beauty company selling products under several brands:* e.l.f. Cosmetics* Well People* Keys Soulcare* Naturium* Good ChemistryThe company’s focus is affordable luxury — high-quality cosmetics at drugstore prices, sold through Target, Sephora, and e-commerce platforms.But while sales are booming, costs and debt are rising faster than expected.📊 Q2 2025 Earnings Highlights* Net Sales: $343M (+14% YoY, up from $301M)* Gross Margin: 69% (−165 bps YoY)* GAAP Net Income: $3M or $0.05/share* Adjusted EPS: $0.60/share* Adjusted EBITDA: $66M (~19% margin)* Cash: $194M* Long-Term Debt: $831M (up sharply)* FY2026 Sales Outlook: $1.50–$1.57B (+18–20% YoY)📉 Stock ReactionAfter the earnings call, ELF stock plunged:* Closed at $118 pre-market* Dropped to $82 after hours* Rebounded slightly to $92/shareThe selloff came mainly due to rising debt levels and declining margins, despite strong revenue growth.“High growth with high debt is a dangerous combination in a high-rate environment.”⚖️ Fundamentals: The Good, The Bad, The Beautiful✅ Positives:* Strong revenue growth (+14% YoY)* 27 consecutive quarters of growth* Expanding brand presence in U.S., Canada, and U.K.* Omnichannel strategy (Target, Sephora, DTC)⚠️ Negatives:* Margins under pressure (SG&A up to 67% of net sales)* Heavy long-term debt ($831M)* Higher risk if economic slowdown hits* Rising competition from cheaper beauty brands📈 Technical Analysis: ELF at a Crossroads* Previous Close: $118* After-Hours: $92* Support: $73–$80 (potential buy zone)* Resistance: $100–$105* Trend: Broke below 200-day MA — technical damage confirmedThe stock is in the Ichimoku cloud on weekly charts, meaning uncertain momentum.If ELF drops below $80, I’d look for selling puts near $70 — a strategy that allows potential entry at a much lower cost basis.“If assigned, I’d own ELF at a discount. If not, I’d collect premium income while waiting.”💬 CEO Commentary – Tarang Amin“Our results reflect consistency and category-leading growth over 27 quarters, with record-breaking launches at Sephora North America.”Translation: management remains bullish, but margins and debt must be managed carefully to sustain this growth story.📊 Geographic ExpansionRegion2021 Market Share2025 Market ShareU.S.13%45%Canada8%26%U.K.6%19%ELF continues to take share from legacy players like L’Oréal (OR.PA) and Estée Lauder (EL).🧭 Trader Takeaways* 📈 Growth is strong, but debt is rising faster than earnings.* 💰 Watch margins — they tell the real story.* 🧱 Consider options strategies (selling puts) for lower entry risk.* 🕵️‍♂️ Key catalyst: product launches and debt reduction in 2026.“Growth alone isn’t everything — margin control and debt management are what make growth sustainable.”📌 Mentioned StocksELF, EL, OR.PA, TGT, WMT, AMZN🔗 Relevant Links* Wealth Dome YouTube Channel* ELF Press Release Q2 2025🧠 Final ThoughtsELF Beauty is still one of the best-performing retail growth stories — but the rising debt and falling margins are warning signs.This could be a great long-term brand if management reins in leverage. For now, watch for price stabilization before jumping in.“Beautiful brands can become ugly stocks — until they fix their balance sheet.” This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Duolingo (DUOL) Earnings Crash Explained | 41% Growth, 50M Daily Users & Stock Selloff BreakdownGood morning traders and investors — I’m Norbert B.M., and welcome back to Wealth Dome, where we build and protect wealth.Today’s spotlight is on Duolingo (DUOL) — the world’s most popular language-learning app, now expanding into math, chess, and AI-powered education.The company smashed its Q3 2025 earnings report — revenue up 41%, daily active users up 36%, and profits soaring nearly 300 million.So why did the stock collapse right after? Let’s break it down 👇📊 Duolingo Q3 2025 Earnings Highlights* Revenue: $271M (+41% YoY)* Bookings: $281.9M (+33% YoY)* Net Income: $292M (+massive YoY jump)* Adjusted EBITDA: $80M (+29%)* Daily Active Users: 50M (+36%)* Monthly Active Users: 135M (+20%)* Paid Subscribers: 11.5M (+34%)* Subscriber Penetration: 9%Incredible growth. Yet the stock dropped more than 25% in a single day.💬 Management Commentary“We passed a major milestone — more than 50 million people now use Duolingo every day.”“We are prioritizing user growth over monetization. AI will fundamentally change how we teach.”CEO Luis von Ahn emphasized long-term vision over short-term profits — mirroring Amazon’s playbook in its early days.That’s great for growth. But Wall Street wants profits now.🧮 Financial Reality CheckWhile revenue is soaring, Duolingo is reinvesting heavily in user acquisition and AI development:* Higher SG&A Costs: Eating into margins* Shift Toward Free Users: Slower near-term monetization* AI Expansion: Heavy R&D expenseThis is what caused the selloff — not bad fundamentals, but a shift in focus.“When growth companies pivot toward investment mode, short-term traders panic — long-term investors celebrate.”🧠 The Bigger Picture: AI in EducationDuolingo isn’t just a language app anymore.The company’s AI-driven platform now teaches math, music, and chess — using adaptive learning and gamification.Their mission:“To develop the best education in the world and make it universally available.”That’s an ambitious (and expensive) goal — but potentially revolutionary.🧩 Stock Performance* 1 Day: −25%* 5 Days: −27%* 1 Month: −40%* 6 Months: −61%* YTD: −40%* All-Time (since IPO 2021): −37%From $520 highs to $192/share, DUOL is now trading below its IPO range — with RSI near 19 (oversold).Technical Setup:* RSI: Oversold (* MACD: Bearish crossover* Support: $175–$185* Resistance: $210–$220* Pattern: Gap fill possible toward $220“Oversold doesn’t mean reversal — but it means opportunity for patient traders.”⚙️ Option Strategy ExampleIf you believe in the long-term story:* Sell December 150 Put: Collect ~$305 premium* Or create Synthetic Stock: Buy Jan 2027 85 Call / Sell Dec 24 130 Call→ Approx. cost: $8,500 vs. $19,000 for 100 sharesGoal: Leverage upside with controlled downside risk.📌 Mentioned StocksDUOL, AMZN, AAPL, GOOGL, SPX🔗 Relevant Links* Duolingo Investor Relations* Wealth Dome YouTube Channel* Duolingo Q3 2025 Shareholder Letter🧠 Final ThoughtsDuolingo’s growth story is far from over — it’s just entering its next phase.Yes, short-term volatility hurts. But for long-term investors, this could be a rare opportunity to buy a premium education tech brand at a discount.“AI, education, and community-driven learning — Duolingo is building the future of learning, one lesson at a time.”🎥 YouTube SetupHigh CTR Title:🔥 Duolingo (DUOL) Earnings SHOCK! | 41% Growth, 50M Users & Massive Stock CrashDescription (SEO Optimized):Duolingo (DUOL) just reported incredible Q3 2025 results:* 41% revenue growth* 50M daily users* Profits up 300%So why did the stock crash over 25%? In this video, I break down the financials, CEO comments, and technical analysis to reveal what’s next for DUOL.📊 Mentioned: DUOL, AMZN, AAPL, GOOGL, SPX💡 For educational purposes only — not financial advice.🔔 Subscribe to Wealth Dome for weekly earnings breakdowns & portfolio insights.#stocks #investing #duolingo #earnings #ai #wealthdome This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Microsoft, Google, Apple & Amazon Earnings Ignite AI Boom | Weekly RecapGood morning traders and investors — this is Norbert B.M. from Wealth Dome, where we build and protect wealth.This week marked another milestone for the markets: U.S. equities neared record highs as mega-cap earnings and AI optimism powered investor sentiment. The S&P 500 (SPX), NASDAQ (IXIC), and Dow Jones (DJI) stayed strong, while fund inflows cooled slightly as investors awaited key macro data.Let’s break it all down 👇📈 Market Overview* S&P 500: 6,840 – near record highs* NASDAQ: 25,858 – slightly red, but futures green* Dow Jones: Green close* Oil (CL=F): Closed higher* Gold (XAUUSD): Under pressure from strong USD* Silver (XAGUSD): Range-bound, short-term opportunities* Copper (HG=F): Testing the 20-day MA; potential short setup* EUR/USD: Weakening* USD/JPY: Dollar strengthening against the Yen* Bitcoin (BTC-USD): Sideways; possible correction ahead💻 Tech Titans: The Magnificent Seven Earnings🟦 Microsoft (MSFT)* Revenue: $78B (+18% YoY)* EPS: $3.72* Azure Growth: +40%* Outlook: AI & cloud expansion with CapEx guidance up to $48B“Management calls it a ‘planet-scale AI factory’ — Microsoft is still the leader.”⚙️ Key Watch: Pullback to 450–400 zone = ideal buy zone.🔴 Alphabet (GOOGL)* Revenue: $102B (+16% YoY)* EPS: $2.87* Cloud Revenue: $15.2B (+34%)* CapEx: Raised to $91–93B for AI infrastructure“Disciplined cost control + AI integration = strong management confidence.”⚙️ Key Watch: YouTube Shorts monetization and AI ad integration.🟠 Amazon (AMZN)* Revenue: $150B* EPS: $1.95* AWS Growth: +20% YoY* Net Income: $9.5B (boosted by Anthropic investment)“AWS growth must continue to outpace Google Cloud and Azure — that’s key.”⚙️ CapEx: $125B planned for 2025 — heavy AI data center investment.🟣 Meta (META)* Revenue: $51B* EPS: $1.05 (due to $15B non-cash tax charge)* CapEx: $117–118B* AI Spend: Massive but uncertain ROI“Meta’s problem? No device. No ecosystem. Llama is lame.”⚙️ Watch: Ad demand, Reality Labs results, and AI Glass rollout.🍏 Apple (AAPL)* Revenue: $102B (+8% YoY)* EPS: $1.85* Services: Record high* iPhone: Record revenue, weak China sales“Love the products, not the stock right now. Waiting for innovation to kick in.”⚙️ Watch: Service growth, iPhone Pro mix, AI features in 2025 models.☕ Starbucks (SBUX)* Revenue: $9.6B (+5% YoY)* EPS: $0.52 (missed)“Turnaround underway — but remember Munger: most turnarounds don’t turn.”🌯 Chipotle (CMG)* Revenue: $3B (+7.5% YoY)* EPS: $0.29* Margins: 24.5%“Oversold but risky — I’d wait for a confirmed bottom.”🌎 MercadoLibre (MELI)* Revenue: $7.4B (+39% YoY)* EPS: $8.32 (miss)“Latin America’s Amazon — solid long-term compounder.”💊 Eli Lilly (LLY)* Revenue: $17.6B (+54% YoY)* EPS: $7.02* Mounjaro Sales: $6.5B“Weight-loss pipeline fueling monster growth — waiting for a pullback to add.”🛢️ ExxonMobil (XOM) & Chevron (CVX)* Exxon: EPS $1.88, Revenue $7.5B* Chevron: EPS $3.60, Record production“Strong cash flow, buybacks, and 3–4% dividends — energy giants remain disciplined.”💳 Visa (V) | MasterCard (MA) | PayPal (PYPL) | SoFi (SOFI)* Visa/MasterCard: Consumer spending solid; cross-border growth steady* PayPal: AI partnerships with OpenAI & Google* SoFi: Profitability milestone; re-entering crypto remittances“Fintechs are adapting fast — SoFi’s growth is worth watching.”🩺 UnitedHealth (UNH)* Revenue: $113B (+12% YoY)* EPS: $2.92* Medicare Advantage Growth: +625K members“Margins under pressure but long-term story intact.”💼 My Weekly Trades SummaryDateTickerResult (€)NotesOct 28ADBE+15.92Small profitOct 28WBD+31.2Trading takeover rumorsOct 29UNH+330.9Sold positionOct 29WU+218Strong reboundOct 29META+49.4Pre-earnings sellOct 30AXON+103Partial profitOct 30MSFT+19Scalped post-earningsOct 30AVGO+192Trimmed positionOct 30MELI+149Took gainsOct 30AAPL+248Reduced 1 shareOct 30AMZN+70.7Partial sale📊 October Final Result: +€721 net⚙️ Options Recap* AMD (AMD): +$48* NVDA (NVDA): +$26* SBUX (SBUX): +$35* U.S. Oil (CL=F): +$13* OSCR: +$11* AMZN (AMZN): +$250* Losing Trades: SHOP (−$273), IWM (−$40), 3M (−$108), NG (−$200)“Cut losers early, let winners run — my options philosophy in one sentence.”📊 Mentioned StocksSPX, IXIC, DJI, EURUSD, USDJPY, BTCUSD, MSFT, GOOGL, AMZN, META, AAPL, SBUX, CMG, MELI, LLY, XOM, CVX, V, MA, PYPL, SOFI, UNH, ADBE, WBD, WU, AXON, IBKR, AVGO, MMM, OSCR, AMD, NVDA, CL=F🔗 Relevant Links* Wealth Dome YouTube Channel* Microsoft IR* Alphabet IR* Amazon IR* Apple IR* Meta IR* Eli Lilly IR* Visa IR* ExxonMobil IR* Chevron IR💬 Final ThoughtsThe AI megatrend continues to define this market. Tech is leading, but diversification remains key as small caps and commodities lag.“Stay patient, stay strategic — and always protect your wealth.” This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

📊 Market Recap* S&P 500 (SPX): Closed the week positive, extending its climb from April lows to fresh all-time highs.* Nasdaq (IXIC): +0.44%, tech strength intact.* Dow Jones (DJI): Also ended in the green.* 10Y Treasury Yield (TNX): Slight uptick near 4.2%.* Crude Oil (Brent): Choppy; I remain short.* Gold & Silver: Both moved higher — silver even parabolic.* Copper: Watching for a bounce if the 20-day holds.* Bitcoin (BTC): Sitting at a pivot; risk of pullback if the 200-day breaks.🏦 Inflation & Fed WatchThe PCE index for August rose 2.7% YoY, with core PCE at 2.9% YoY — still above the Fed’s target.* This keeps Treasury yields elevated and tempers hopes for aggressive rate cuts.* Watch yields closely: they remain a key drag on risk appetite.🔗 Federal Reserve Data💻 Nvidia, OpenAI & Intel Buzz* Nvidia (NVDA) shocked markets with a $100B investment in OpenAI to expand computing infrastructure.* Intel (INTC) ripped higher again after last week’s $5B stake from Nvidia.* Reports surfaced of possible partnerships with Apple (AAPL) and Taiwan Semiconductor (TSM).* Speculation around M&A and government backing fueled strong flows into Intel shares.🔗 Nvidia (NVDA) | Intel (INTC) | Apple (AAPL) | TSMC (TSM)📱 Oracle & TikTokOracle (ORCL) remains in the spotlight as it explores acquiring TikTok’s US operations.* If successful, Oracle could become a hybrid cloud + social media powerhouse.* Regulatory risks remain high, especially beyond the Trump administration.🔗 Oracle (ORCL)🎮 Big Movers & Earnings* Electronic Arts (EA): +15% after WSJ reported a $50B LBO bid backed by Saudi PIF & Silver Lake.* Costco (COST): Dropped after earnings miss, but looks like a strong long-term buy opportunity.* ASML (ASML): Still elevated; waiting for a pullback before re-entering.🔗 Electronic Arts (EA) | Costco (COST) | ASML (ASML)💼 Trades of the Week* Intel (INTC): Sold full position on Sep 26 → €920 gross / $791 net profit. Out for now, watching RSI (80+) for a pullback before re-entry.* Apple (AAPL): Partial sale on Sep 26 → €350 gross / $301 net profit. Still bullish long-term given Apple’s ecosystem.Weekly profit: $1,092September total so far: $2,874YTD profit: $70,421📌 Key Takeaways* AI is still king: Nvidia, Intel, and OpenAI dominate headlines.* Intel momentum > Nvidia momentum: telling you where speculative money is flowing.* Earnings mixed: Costco down, EA soared, ASML extended.* Macro backdrop: Inflation sticky, yields rising.* Strategy: Take profits, reduce risk, protect wealth. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

📊 Market Recap* S&P 500 (SPX): Closed at 6,664 (+0.49%), a new all-time high.* Nasdaq (IXIC): +0.7% on the week, led by tech.* Russell 2000 (RUT): Small caps joined the rally with record highs.* 10Y Treasury Yield (TNX): Rose to ~4.14%.* Crude Oil (Brent): Fell despite Fed easing.🏦 Federal Reserve Cuts RatesThe Federal Reserve lowered rates by 25 basis points to a target range of 4.00–4.25%.* Chair Powell stressed this was a risk management move due to labor market softness.* One dissenter, Gov. Stephen Miran, argued for a larger 50 bp cut.🔗 Read the Fed statement💻 Nvidia–Intel Shock DealIn a surprise move, Nvidia (NVDA) invested $5 billion into Intel (INTC).* Intel shares rallied over 30% in a single day, the biggest jump since 1987.* The US government is also a stakeholder, deepening Intel’s strategic importance.🔗 Nvidia (NVDA) | Intel (INTC)📱 Oracle & TikTok TalksThe US government and China reopened talks over TikTok, with Oracle (ORCL) emerging as a potential buyer.* If Oracle secures a large stake, it could transform into a major social media player.* The stock is consolidating near highs, forming what looks like a bullish flag.🔗 Oracle (ORCL)🚀 IPO HighlightsIt was a busy IPO week with $2.7B raised across multiple listings:* StubHub (STUB): Opened at $26, peaked at $28, then collapsed to $18.51.* WaterBridge Infrastructure (WBI): Jumped 50% on debut.* Pattern Group (PTRN): +12% first week.* Microcaps Chow Holdings (CHOW) and PLTS Energy (PLTS) also surged.⚠️ Pro tip: Don’t chase IPOs. Wait for earnings and signs of sustainable growth.📌 Trades of the WeekHere’s what we traded between Sep 15–19:* Bitfarms (BITF): Small gain on Sept 15.* Realty Income (O): Dividend received (€24.5).* ASML (ASML): Sold full position, locking in €1,038 profit; watching for a pullback to re-enter.* McDonald’s (MCD): Dividend received (€19.56).* Warrior Met Coal (HCC): Closed trade with a small profit (€38).Weekly net profit: ~$983September total so far: ~$1,781 (with one week left).🔗 ASML Holding (ASML) | McDonald’s (MCD) | Realty Income (O) | Bitfarms (BITF) | Warrior Met Coal (HCC)🔑 Key Takeaways* Fed is easing but long yields are rising → watch growth vs. defensives.* Semiconductors surged on Nvidia–Intel news.* IPOs returned with volatility, a sign of risk appetite.* Trades booked solid gains, led by ASML sale.💬 What do you think about Nvidia’s stake in Intel? Will it pay off long-term? Share your thoughts in the comments 👇 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

This week’s market recap covers:* Oracle (ORCL) & Adobe (ADBE) earnings results.* Market outlook ahead of the Fed’s rate cut decision.* Tesla (TSLA) surging +7.36%.* My weekly trades, including Alibaba (BABA), Broadcom (AVGO), NVIDIA (NVDA), Paramount (PSKY), and more.📊 Mentioned Stocks: ORCL, ADBE, TSLA, AVGO, BABA, PSKY, NVDA, MU, OPEN, INOD, MTPLF, PNG, PCFP, TLT💡 None of this is financial advice. Please do your own research.✅ Subscribe for more weekly breakdowns and earnings analysis!#investing #stocks #oracle #adobe #tesla #trading This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Welcome back to Wealth Dome — where we grow and protect our wealth!This week was full of drama on Wall Street: court rulings, AI stock turbulence, record highs, and even the U.S. government stepping into Intel (INTC) with a 10% stake.🔥 Market Highlights* Tariff Ruling: U.S. appeals court struck down most of Trump’s tariffs → easing inflation fears.* S&P 500 Record High: Closed at 6504, despite weakness on Friday.* GDP Surprise: U.S. Q2 GDP at 3.3% vs. forecast 3.1%.* Fed Rate Cut Odds: 85% probability of 25 bps cut in September fueling optimism.* Small Caps Lagging: Divergence as mega-cap tech leads.💡 Key Earnings Recap* Alibaba (BABA): Beat EPS, missed revenue, unveiled AI chip → stock jumped +13%.* Nvidia (NVDA): EPS +54%, revenue +56% → but stock dropped on AI chip competition fears.* Autodesk (ADSK): Beat across the board; retraced gains.* CrowdStrike (CRWD): Strong earnings + acquisition → but heavy pullback.* Dell (DELL): Earnings beat, but stock broke below 100-day MA → possible cooling period.* Eli Lilly (LLY): +6% on positive pill trial, but downtrend intact.📰 Intel Shock* U.S. government acquires 10% stake in Intel (INTC) under CHIPS Act funding.* Passive stake, no board seat, but raises concerns about international sales.* Intel remains -60% from all-time highs → turnaround hopes but uphill battle.📈 My Trades (Aug 25–29)* SoFi (SOFI): Quick trade, +€17.50. Watching pullback zones for re-entry.* Ferrari (RACE): Range-bound, small gain +€15.10.* Rheinmetall (RHM.DE): Defense play, +€55.50, but cautious outlook.* Alphabet (GOOGL): Sold entire position in two tranches. +€421.91 net. Will re-enter lower.* Visa (V): +€47.72 after tax.* Constellation Software (W9C.TO): +€810 small gain.* CrowdStrike (CRWD): +€72.24. Sold shares post-earnings pullback.Weekly Profit: +€160 (~$187)August Total: €985 ($1,090) — short of my €2,000 monthly target, but solid discipline shown.📌 Lessons Learned* Stick to Strategy: Taking profits early saved me from reversals.* Don’t Chase AI Hype: Nvidia & CrowdStrike show the risk of overbought momentum.* Cash is King: September’s packed with ISM, jobs, CPI, PPI, and Fed — dry powder is essential.📅 Important Events Next Week* Sept 3 (Tue): ISM Manufacturing PMI* Sept 5 (Thu): Jobless Claims, ISM Services PMI* Sept 6 (Fri): Non-Farm Payrolls & Unemployment Rate* Following weeks: CPI, PPI, Retail Sales, Fed FOMC Meetings → high volatility expected.🔗 Relevant Mentions* Alibaba Earnings (BABA)* Nvidia Investor Relations (NVDA)* Autodesk IR (ADSK)* CrowdStrike Reports (CRWD)* Intel CHIPS Act News (INTC)* Wealth Dome Substack Archive⏱️ Timestamps* 00:00 – Weekly intro & market drama* 00:29 – Tariff ruling shakes markets* 00:43 – Alibaba earnings & AI chip boom (BABA)* 01:12 – U.S. market surge (S&P 500 hits 6504)* 01:53 – GDP + jobs data beat* 02:43 – Nasdaq weakness, RSI divergence* 03:12 – Fed rate cut odds 85%* 03:53 – Nvidia earnings breakdown (NVDA)* 05:32 – Autodesk earnings pop (ADSK)* 07:12 – CrowdStrike analysis (CRWD)* 08:57 – Dell earnings impact (DELL)* 09:53 – Eli Lilly weight loss drug trial (LLY)* 12:02 – Intel 10% U.S. stake explained (INTC)* 14:35 – Market rotation, Caterpillar/Deere weakness* 15:58 – Next week’s key events (PMI, NFP)* 16:55 – Announcement: new investing basics series* 17:56 – Weekly trades recap (SOFI, RACE, RHM.DE, GOOGL, V, W9C.TO, CRWD)* 26:35 – Alphabet (GOOGL) sell explained & re-entry zones* 27:01 – Wrap-up & closing thoughts This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

📊 Weekly Market Recap & Trades (Aug 18–22, 2025)Welcome back traders and investors! Here’s a breakdown of my trades, dividends, and lessons from last week — a volatile one with Jerome Powell hinting at possible rate cuts in September.⏱ Timestamps (mm:ss)* 00:00 – Intro & Powell’s rate hint* 00:37 – Novo Nordisk dividend* 01:34 – Amazon cautious sell* 02:10 – MercadoLibre trade* 02:37 – Opendoor revenge trade* 03:08 – Exiting Palo Alto Networks pre-Jackson Hole* 03:48 – Airbnb trim* 04:16 – Eli Lilly profit booked* 04:36 – Small honorable mentions (PLTR, CSCO, Gold)* 04:54 – Weekly net €567 ($616)* 05:05 – Powell Jackson Hole impact* 05:13 – Closing thoughts💵 Dividends* Novo Nordisk (NVO) – Received a dividend payout on Aug 19th: 65.47€ gross → 56.21€ net after tax.📈 Trades Breakdown✅ Profitable Moves* Amazon (AMZN) – Sold part of my position cautiously, +67.6€ (≈58.04$). Still bullish for 2026–27.* MercadoLibre (MELI) – In-and-out trade, +56.7€ gross → 48.68€ net.* Opendoor Technologies (OPEN) – Revenge trade, small +52.6€ gain.* Palo Alto Networks (PANW) – Fully sold position pre-Jackson Hole to avoid downside. Locked ~80€ profit.* Airbnb (ABNB) – Exited before weekend risk, +29.2€.* Eli Lilly (LLY) – One of my favorites, but trimmed with a strong +300.29€ gain.❌ Missed / Smaller Gains* Opendoor (OPEN) – Missed the bigger rally after selling.* Airbnb (ABNB) – Will likely reenter if rates are cut (bullish for demand).🎗 Honorable Mentions (Small * Palantir (PLTR)* Cisco Systems (CSCO)* Physical Gold (XAU/USD)Total from these small trades: ~20€.📊 Weekly Profit Summary* Net Profit: €567 (~$616)* Achieved and exceeded weekly income target!📰 Market Context* Jerome Powell at Jackson Hole hinted at flexible rate policy → Markets reacted positively.* Expectation: potential rate cuts = bullish for growth stocks like AMZN, ABNB, MELI.🧠 Lessons Learned* Trim winners, but don’t sell too early (Opendoor rally reminder).* Avoid weekend risk during macro events.* Diversify trades across tech, healthcare, and consumer. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

The week of August 11–15, 2025 delivered fresh all-time highs for the S&P 500, Nasdaq, and Dow Jones — despite hot inflation data. Strong consumer spending, hopes for a September Fed rate cut, and key corporate earnings moved the markets. In this recap, I’ll break down the top stock market events, major earnings (AMC, Cisco, Applied Materials, Amazon, Ford, CoreWeave, UnitedHealth, Intel, Nike, Costco, Apple, Procter & Gamble, Realty Income, Mercado Libre), plus share my own trades and dividend income from the week.📊 Market Action* S&P 500 (SPX), Nasdaq (IXIC), and Dow Jones (DJI) hit new record highs before Friday’s slight pullback.* Small caps surged to six-month peaks.* Nearly $9 billion flowed into U.S. equity funds, led by technology stocks.👉 Related: What drove the S&P 500 higher this week?🛍 Consumer Spending & Retail* July retail sales rose +0.5%, showing consumer resilience.* Winners included Costco (COST), Netflix (NFLX), and Spotify (SPOT).* Analysts eye Nike (NKE) as a 2025 turnaround play with leadership changes and tariff benefits.🌍 Global & Macro* U.S.–China tariff truce supported optimism.* Trump announced new tariffs on semiconductors and steel, boosting Intel (INTC) nearly 9%.* In Europe:* Shein sales surged +33% in the UK, surpassing Boohoo and Asos.* Associated British Foods (ASBFY) acquired Hovis, creating the UK’s largest bread brand.💡 Company Spotlights* Amazon (AMZN): Expanded grocery delivery to 33,000+ locations.* CoreWeave (CRWE): Stock sank post-IPO on heavier losses.* Applied Materials (AMAT): Beat earnings but gave cautious guidance, pressuring chipmakers.* Ford (F): Unveiled new EV platform, calling it a modern “Model T moment.”🧾 Earnings Recap* AMC Entertainment (AMC): $1.4B revenue, breakeven EPS — better than expected.* Cisco (CSCO): EPS $0.99 vs. $0.97 est, $14.7B revenue, $2B in AI infrastructure orders.* Applied Materials (AMAT): Revenue +1.1% surprise, EPS +5.2% surprise, but cautious outlook.👉 Related: Full U.S. Earnings Calendar💼 My Trades & Dividends (Aug 11–15)* Sold small positions in:* Mercado Libre (MELI): +$23* Apple (AAPL): +$115* Costco (COST): +$14* Dividends received:* Apple (AAPL): $11* Costco (COST): $6* Realty Income (O): $23* Procter & Gamble (PG): $66* Weekly Net Profit: $247* August Month-to-Date: $985🔮 Looking AheadNext week brings key U.S. economic data:* Tuesday: Building permits, housing starts* Wednesday: FOMC minutes* Thursday: Existing home sales* Friday: Fed Chair Powell’s speech at Jackson HoleClosing:This was a cautious but profitable week, with more gains expected if the Fed signals a September cut. Stay subscribed to Wealth Dome — where we build and protect wealth. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Hello Wealth DOME readers,This week was packed with market-moving news—from Donald Trump’s new tariffs on Switzerland, Canada, and India, to Apple’s $100 billion U.S. manufacturing pledge, and a string of major earnings reports from some of the market’s biggest names. Here’s your breakdown.🌍 Tariffs & Trade Tensions* 39% tariffs on Switzerland targeting luxury goods, chocolate, and gold exports* Tariffs on Canada & India increased, with India now facing 50% tariffs on oil* Global trade war fears rise, with potential ripple effects in the gold market📉 U.S. Labor Market* Jobs report showed a slowdown in growth* Speculation increases that the Federal Reserve could cut rates* Bond yields fell on weaker employment data🍏 Apple’s $100 Billion U.S. Investment ($AAPL)* Tim Cook announces additional $100B investment in U.S. manufacturing* Brings total planned U.S. investments to $600B* Apple stock jumped for three consecutive days, closing at $230 on Friday💼 Earnings Highlights* Eli Lilly ($LLY) – Revenue +38% YoY to $15.56B, EPS $6.31; stock fell 13.7% on sentiment concerns despite strong results.* * Hims & Hers ($HIMS) – Revenue +73% to $544.8M; stock up 2% on strong subscriber growth.* * Uber ($UBER) – Revenue +17% to $12.7B; announced $20B buyback; stock volatile.* * Shopify ($SHOP) – Revenue +31% to $2.68B; stock jumped 20%.* * Airbnb ($ABNB) – Revenue +13% to $3.1B; announced $6B buyback but stock fell on cautious guidance.* * Palantir ($PLTR) – Revenue +48% to $1B; U.S. commercial revenue +93%.* * AMD ($AMD) – Revenue +32% to $7.7B; strength in data center & gaming segments.* * Super Micro Computer ($SMCI) – Revenue +19% but missed forecasts; stock hit 200-day MA.* * McDonald’s ($MCD) – Revenue +5% to $6.84B; dividend ex-date Sept 2.* * Disney ($DIS) – Revenue +2% to $23.7B; strong theme parks & streaming, but potential correction ahead.* 📈 My Weekly Trades (Week 32)* Sold: $PLTR, $RHM, gold (PPFP), $MELI, $COST, $AMZN, $TSLA, $AAPL* Best Trade: $AAPL (+€332)* Weekly Total: +$489 (target was $500)🔮 Next Week’s Preview* Tuesday: Inflation data* Thursday: PPI report* Friday: Retail sales & Michigan Consumer Sentiment⚠️ Expect volatility—consider defensive plays.🔗 Relevant Links* Apple Investor Relations* Eli Lilly Investor Relations* Shopify IR* Airbnb IR* Palantir IRSEO Tags: tariffs, US labor market, Apple $100B investment, Eli Lilly earnings, HIMS growth, UBER buyback, SHOP stock rally, ABNB cautious guidance, PLTR revenue growth, AMD semiconductor growth, SMCI correction, MCD dividend date, DIS earnings. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Hey Wealth Dome readers,Eli Lilly (LLY) just dropped a bombshell—both good and bad. The Q2 2025 earnings were stellar on paper, yet the market punished the stock with a 14% post-earnings sell-off. Let's dive into the key metrics, chart analysis, sentiment, and my short-, medium-, and long-term price predictions.🧾 Earnings Highlights – Q2 2025* Revenue: $15.6 billion (+38% YoY)* Non-GAAP EPS: $6.31 (+61% YoY)* Full-year guidance: $60B–$62BStar products Mounjaro and Zepbound continue to drive growth, but the market reaction tells a different story...❌ Why Did Eli Lilly (LLY) Stock Crash?The sell-off was triggered by disappointment in the oral version of its GLP-1 weight loss drug, Orforglipron, which showed only 11.5% placebo-adjusted weight loss, lagging behind Novo Nordisk’s (NVO) injectable alternatives (14–15%).Investor sentiment tanked due to:* Weaker-than-expected weight-loss results* Concerns over long-term efficacy* Skittishness from a previously overbought chart📉 Chart & Technical AnalysisCurrent Price: ~$633RSI: 25 (deeply oversold)Major Moving Averages: Below 20-, 50-, 100-, and 200-day MAsKey Resistance Levels:* $680–$700 (23.6% Fibonacci)* $750 (38.2% Fibonacci)* $800 (50% Fibonacci)If these levels break, we could see LLY either bounce or enter a multi-year correction.📈 Price Predictions (Not Financial Advice)Short-Term (1–4 weeks): Rebound to $680–$700Medium-Term (1–3 months): Range-bound between $650–$760Long-Term: Only bullish if $800 level is retested and held. Be cautious if 200-day MA breaks on the 5Y chart.⚠️ Final ThoughtsWhile earnings are strong, sentiment rules the short-term game. Orforglipron’s underwhelming results have spooked investors, despite LLY’s solid fundamentals.Personally, I’m not bullish on the stock, but I’ll share any trades I make in the Weekend Edition. Stay cautious out there.—Noble B.M.I protect wealth. This is Wealth Town.🔗 Mentioned Links* Eli Lilly (LLY) IR Page* Mounjaro Drug Info* Zepbound Drug Info* Orforglipron Overview This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Welcome to this detailed AMD (NASDAQ: AMD) earnings report analysis and stock price prediction. This report covers the recent earnings release, key financial figures, chart analysis, and forecasts for short, medium, and long-term stock movements.AMD just dropped its Q2 2025 earnings! 🚀 In this detailed analysis, we cover AMD’s financials, key growth drivers like AI, and potential impact from China export restrictions. Plus, we dive into a detailed technical analysis to forecast AMD’s stock price in the short, medium, and long term.📈 AMD Earnings Highlights* Revenue: $7.7 billion (+32% YoY)* GAAP Net Income: $872 million* Non-GAAP Net Income: $781 million* Diluted Earnings Per Share (EPS):* Q2 2024: $0.16* Q2 2025: $0.54 (significant growth)📌 Revenue Breakdown* Gaming & Client Segments: Up 69% YoY, 23% QoQ* Data Center Segment: Growing, yet impacted by export restrictions🔍 Key Stock Drivers* AI and Data Center Expansion: Growth driven by AI infrastructure (MI350 & MI355X processors)* China Export Restrictions: Exports of the Instinct MI308 to China remain uncertain, impacting guidance and stock sentiment* Potential Catalyst: A favorable U.S.-China trade deal could significantly boost AMD📊 Technical Chart Analysis* Current pullback landed on Fibonacci retracement level of 23.6%* Key Moving Averages:* 20-day: Resistance* 50-day: Critical resistance around $140* 100-day recently crossed above the 200-day moving average (bullish indicator)🎯 Short-Term Outlook (1-4 weeks)* Likely pullback to support zones around $123-$138🚦 Medium-Term Outlook (1-3 months)* Stabilization and potential recovery* Target range: $160-$180 (approaching previous all-time highs)🌟 Long-Term Outlook (6-12 months)* Potential new all-time highs* Price targets: $210-$260 range This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Welcome to your weekly market wrap-up! We cover the most significant market-moving news, detailed trade reviews, and key lessons learned.🔥 Market Highlights* Trump Tariffs: New tariffs of 15% on Europe, significant tariffs on Switzerland, and massive 50% tariffs on copper triggered market volatility.* Market Reaction: Broad declines in various sectors, except for health and technology.* Copper's Big Move: Copper prices dropped significantly following the tariff announcement. My copper short (ETF: XMWF) ended with an $88 gain but could've yielded over $3,000 had I held longer.📈 My Trades This WeekDateTickerCompany / ETF NameProfit/LossJuly 28XLVHealth Sector ETF+$61.75July 28HCCWarrior Met Coal-€132.2July 29XLEEnergy Sector ETF+€10July 29MPMP MaterialsSmall profitJuly 29MCDMcDonald's+€7.2July 29TXNTexas Instruments+€17.19July 29RCLRoyal Caribbean Cruises+€9.7July 29LLYEli Lilly+€6.8July 29TXNTexas Instruments (second trade)+€67.03July 30XOMExxon Mobil+€5.6July 29XMWFCopper Short ETF+$88.59July 29Tax RefundTax adjustment from previous losses+€32.48🗓 Trades and Income (August 1)DateTickerCompanyDetailsIncomeAug 1NLYAnnaly Capital ManagementDividend+€46.60Aug 1FIGFigma IPOSold position+€178Aug 1COSTCostco Wholesale CorpSold position+€35.5Aug 1PMPhilip MorrisSold position+€20.2Aug 1DELLDell TechnologiesDividend+€7.9Aug 1Cash InterestCash holdingsInterest payment+€13.5🧠 Lessons Learned* Position Sizing: Avoid oversized positions causing emotional trading and early exits.* Trust Your Thesis: Stick to your research; early exits can significantly impact returns, as seen in the copper trade.* Stop Loss Importance: Tight stop losses can limit losses but can also prematurely exit profitable trades (example: Warrior Met Coal).📌 Stocks & ETFs Mentioned* Health Sector ETF: XLV* Energy Sector ETF: XLE* Copper Short ETF: XMWF (WisdomTree)* Warrior Met Coal: HCC* MP Materials: MP* McDonald's: MCD* Texas Instruments: TXN* Royal Caribbean Cruises: RCL* Eli Lilly: LLY* Exxon Mobil: XOM* Annaly Capital Management: NLY* Figma IPO: FIG* Costco Wholesale Corp: COST* Philip Morris: PM* Dell Technologies: DELL This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

📌 Weekly Highlights* 🇺🇸 Trade Tensions: New U.S. tariffs spark global reactions* 📊 Earnings Kickoff: Q2 reports begin strong* 🏠 Economic Data: Inflation, housing, sentiment updates* 🏦 Fed Focus: Market eyes policy signals* 🤖 Sector Strength: Tech & crypto remain resilient🚨 Event 1 – Trade TensionsWhat Happened* July 14: 30% tariffs on EU & Mexico imports* 50% copper tariff extended earlierMarket Impact* 📉 Monday dip across sectors* ⚙️ Agriculture & manufacturing exposed* 📈 Recovery later in week as focus shifted💹 Event 2 – Earnings Season BeginsKey Results* Fastenal, JPMorgan: Beat expectations* Netflix: Beat but fell on inflated expectations* Schwab & Chevron: Strong results + acquisitionsMarket Impact* Major driver of gains* S&P 500 & Nasdaq hit record highs* Q2 earnings growth revised from 4% → 10%📈 Event 3 – Economic DataWhat Happened* CPI in line with forecasts* Housing starts rebound* Consumer sentiment up to 61.8* Inflation expectations down to 4.4%Market Impact* 📊 Stability in inflation calms Fed fears* 🏠 Positive housing data lifts confidence* 💼 “Risk-on” mood builds end-of-week momentum💰 Event 4 – Fed Policy WatchOngoing Trends* Rate cut hopes remain* Tariff-related inflation seen as temporaryMarket Impact* 🎯 Uncertainty keeps yields range-bound (4%–4.5%)* 🧩 Anticipated easing supports equities🤖 Sector Spotlight – Tech & CryptoHighlights* Nasdaq & Bitcoin hit highs* Nvidia dips slightly post-$4T* Palantir & Autodesk jumpMarket Impact* 🚀 AI and crypto momentum drives investor interest* 💡 Key contributors to market strength📊 Overall Performance* 📈 S&P & Nasdaq: New highs* ⚖️ Dow: Slight dip despite intraday volatility* 🧭 Main drivers: Earnings & economic resilience offset tariffsThis week’s markets were a rollercoaster driven by new tariff announcements, corporate earnings, and evolving monetary policy signals. Let’s dive into what happened, how major indices reacted, and how I traded it — including updates on copper, AMD, NVIDIA, and more.🔥 Key Market Drivers🇺🇸 Trump Announces New Tariffs* 30% tariffs announced on imports from EU and Mexico* Follows earlier 50% copper tariffs* Impact: Initially sent markets lower, copper soared* Personal Trade: I’m shorting copper — but trend remains dangerously bullish short-term📉 Market Reaction & RecoveryDespite the tariff shock:* Dow, S&P 500, NASDAQ opened lower but rebounded midweek* NASDAQ hit all-time highs, optimism fueled by earnings💼 Q2 Earnings Season Kicks Off🟢 Strong Performers:* Fastenal (FAST): Beat expectations* JPMorgan Chase (JPM): Strong numbers, flat stock reaction* Netflix (NFLX): Beat on earnings, but declined due to high expectations* Charles Schwab (SCHW): Stock rallied on positive results* Chevron (CVX): Gained on acquisition but later turned down🔎 Energy Sector Overview:* Exxon fell -3.48%* Sector dragged down by majors despite green performance elsewhere📈 Technical Outlook* S&P 500 reached new all-time highs midweek, but closed red on Friday* Watching 20-day MA for short-term support* If that breaks, 50-day MA is key dip-buy zone🧾 Economic Data HighlightsIndicatorReport DateResult🧮 CPI (Inflation)TuesdayIn line with expectations🏠 Housing StartsFridayRebounded in June🎓 Michigan SentimentFridayConfidence rising, inflation expectations down to 4.4%🏦 Monetary Policy:* Fed expected to cut rates twice by year-end* Powell under pressure from Trump* Inflation vs growth remains a tightrope walk💻 Tech & Crypto Overview* NASDAQ hits new highs 📈* Bitcoin holds strong* Breakout started July 10th* Short-term pullback possible to 20-day MA* Target: $150K by 2026 (long-term)💼 My Weekly Trades✅ Profitable Trades:StockNet ProfitNotesAutodesk$91Closed early; could have earned moreNVIDIA$16Exited too earlyAMDLarge UnrealizedWatching for pullback to reenter❌ Loss Trades:StockNet LossNotesLockheed MartinSmallAvoided bigger lossExxon-$114Exited on sell signalXLF (Financial ETF)MinorWaiting for dip to re-enter📈 Total July Profit (So Far): €277.94 = $322 USD🧠 Final ThoughtsDespite geopolitical noise, markets remain bullish on strong earnings and muted inflation data. I’m closely watching copper and AMD for new entries, and I expect volatility to remain high into August.📝 Conclusion* 🔀 Mixed signals: Trade worries vs. strong fundamentals* 📢 Earnings as key catalyst* 🛣️ Outlook: Eyes on future earnings, Fed, and trade updates This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Ever wish you could own a piece of the entire stock market without buying thousands of individual stocks? ETFs (Exchange-Traded Funds) make that possible.In this blog post, I’ll break down everything you need to know about ETFs — what they are, how they work, the pros and cons, and how to choose your first one. This is your complete beginner guide to ETFs in 2025.🧺 What Is an ETF?An ETF (Exchange-Traded Fund) is like a basket holding different types of investments such as:* 📈 Stocks from various companies, industries, or countries* 💵 Bonds (corporate or government)* 🛢️ Commodities like oil, gold, or even agricultural goods* 🌍 Currencies or Real Estate assetsYou can buy and sell ETF shares just like stocks, but each share gives you exposure to everything inside the basket.🔄 ETF vs Mutual FundFeatureETFMutual Fund🕒 TradingAll day (like a stock)Once daily (after market closes)💵 PricingMarket-drivenEnd-of-day NAV💰 FeesLow (TER)Often higher💳 MinimumsOften $1 or less (fractional)Sometimes $1,000+🔁 ManagementPassive (mostly)Often actively managed💸 Tax EfficiencyHighLower✅ Benefits of ETFs for Beginners* 🚀 Instant diversification — one ETF = exposure to many assets* 💲 Low costs — trade once, pay minimal TER (Total Expense Ratio)* 🧠 Simplicity — one ETF can track entire markets (e.g. S&P 500)* 🏦 Access — invest globally or sector-specific from one account📈 Types of ETFs🌐 1. Broad Market ETFs* e.g., S&P 500 ETFs or World ETFs* Exposure to top U.S. companies or global markets💵 2. Bond ETFs* Stability & potential income* e.g., government bonds, corporate high-yield bonds🏥 3. Sector/Industry ETFs* Focused exposure (tech, healthcare, renewables, etc.)* Higher potential returns & risk💰 4. Dividend ETFs* Invest in dividend-paying companies* Great for income investors⚠️ What to Avoid* ❌ Leveraged ETFs* ❌ Inverse ETFs* ❌ Complex commodity fundsThese are high-risk and not beginner-friendly.⚖️ Risks of ETFs* 📉 Market Risk — ETF will drop if the overall market drops* ❗ Tracking Error — minimal in broad ETFs, but exists* 💧 Liquidity Risk — smaller ETFs can be hard to trade* 🧨 Concentration Risk — sector-specific ETFs can crash on bad news🛠️ How to Start Investing in ETFs* ✅ Open a brokerage account* Look for: no minimums, zero-commission ETF trading, good research tools* Example brokers: Fidelity, Vanguard, Schwab, E*TRADE (U.S.)* 🎯 Define your goal* Retirement? Down payment? Long-term savings?* Choose ETF based on time horizon & risk tolerance* 🔍 Pick your ETF* Look for low TER (e.g., 0.07%)* Choose broadly diversified ETFs (S&P 500, Total World Market)* Avoid complex or niche ETFs🧠 Suggested ETFs to Research* SPY / VOO – S&P 500* VT – Total World Stock Market* BND – U.S. Bond Market* VYM / SCHD – Dividend-focused ETFs This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

📰 Top News from the Week✅ Strong U.S. Jobs Data* 147,000 jobs added in June* Unemployment rate dropped due to a decline in labor force participation* Average hourly earnings increased slower than in May* Market reaction: Mixed early, then turned bullish midweek; slight red close Friday📊 Inflation Surprises* China CPI: +0.1% — a sign of weak inflation and potential stalled recovery* Eurozone CPI: Climbed to the ECB’s 2% target* Retail Sales in Eurozone: Cooled to 1.8% in May* Potential pause in ECB rate cuts🛠️ Tariff Talk & Copper Market AnalysisDonald Trump floated 200–300% tariffs, including:* 50% tariff on copper — a huge signal for the commodity space📈 Copper Market Overview:* At all-time highs* Strong bullish uptrend since early 2024* Copper demand expected to rise due to AI infrastructure, electric cables, and energy needs🤔 Should you short copper now? I say: not yet — the trend is your friend.📅 Key Economic Events (Next Week Preview)* Monday: Core Inflation (YoY, MoM)* Wednesday: PPI report* Thursday: U.S. Retail Sales* Friday: Building Permits, Housing Starts, Michigan Consumer Sentiment⚠️ Risky week ahead — cautious trading advised.💼 My Trades This Week🟢 Sold Positions:TickerProfit (in $)NotesEli Lilly$7.49Closed at minor gainRheinmetall (RHM)$35Locked in profitTesla (TSLA)-$25 & -$56, +$9.5First losses, slight reboundS&P 500 ETFSmall swingBought & sold same weekVisa (V)$118Fully exitedAmazon (AMZN)$8.89Small gainCircle$117Sold MondayMat Co/Warrior Met Coal$44.34Planning re-entry on other portfolio📈 Weekly profit goal: €250✅ Achieved: €287🎯 Monthly goal: €1,000📈 My Weekly Investing StrategyI aim to hit consistent targets through:* Small, low-risk swing trades* Using macro events + charts* Weekly trade reviews to refine strategy🧠 Final ThoughtsThis week was volatile yet rewarding. Between strong jobs data, uncertain inflation, and copper hype, the market remains unpredictable. But with discipline, small trades, and clear goals, you can stay ahead. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

In this blog post, I’m breaking down the latest market news, geopolitical shifts, economic data, and my updated portfolio strategy including high-conviction stocks like Visa, Apple, AMD, Mastercard, and more. Plus, I’ll share key earnings takeaways and how I’m trading oil and bonds right now.📰 Market RecapThe S&P 500, Nasdaq, and Dow Jones all hit new all-time highs as geopolitical tensions eased and trade optimism resurged. Major catalysts include:* Ceasefire between Iran & Israel* Reports of potential trade deals with China and India* Dovish Fed comments and high expectations of rate cuts* Explosive performance in AI and tech sectors (e.g. Nvidia, Oracle)📊 Index Weekly Performance:* S&P 500: +3.4%* Nasdaq: +4.25%* Dow Jones: +3.8%🛢️ Oil Trade BreakdownTensions in the Middle East initially drove oil prices higher, but once de-escalation occurred, WTI crude dropped 13% to ~$65/barrel.💼 My Trade:* Bought a short on WTI on Monday (sold shortly after)* Target buy range: $55–$60/barrel* Preferred oil stock: Exxon Mobil (XOM) – decent dividend but still waiting for better technicals💰 Economic Data & Fed Outlook* Core PCE inflation rose slightly* Consumer inflation expectations dropped* Durable goods orders surged (especially aircraft)* Fed rate cut probability: 92% chance by September📉 Rate cuts would boost borrowing and market momentum.📊 Earnings & Stock Picks✅ Nike (NKE)* Popped +20% on solid earnings* MACD shows buy signal, RSI overbought* Exiting this small position in my portfolio🆕 Circle IPO* Small starter position: 0.85% of my portfolio* Down ~18%* Watching for a potential re-entry after summer correction💳 Mastercard (MA) & Visa (V)* Re-entered Visa after its June breakout* Bought 7 shares of MA at $468* Bullish on both companies for the long term📈 Portfolio HighlightsStockPosition %NotesLong-Term Bonds12%Waiting for rate cuts; yield ~4.31%Apple (AAPL)11.5%Expecting late-year rallyAMD9.3%Down currently, strong long-term playASML–Monopoly in lithography chipsGoogle (GOOG)–Bullish on AI + Gemini rolloutNovo Nordisk–Still holding; litigation ongoingUnitedHealth–Down but potential 30%+ annual returnBerkshire Hathaway–Long-term conviction buy🧪 Watchlist* Intel – Potential acquisition target* Realty Income (O) – Oversold, watching for bounce* Truist Financial (TFC) – Will exit on RSI overbought This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

In this tutorial, we’ll build a full-featured Recipe App using React, Tailwind CSS, and Vite. This project is perfect for React beginners who want to learn how to manage state, use components, handle modals, and filter dynamic data.🚀 What You’ll Build* React app powered by Vite* Styled with Tailwind CSS* Data fetched from a local recipe "database"* Features:* Search bar* Filter by categories* View recipe details in a modal* Responsive layout🧰 Tech Stack* React 19* Tailwind CSS 4.1+* Vite* React Icons (optional)🛠️ Step 1: Set Up with Vitenpm create vite@latest tasty-recipes cd tasty-recipes npm install npm run dev Choose React with JavaScript (no TypeScript).🎨 Step 2: Install Tailwind CSSFollow the Tailwind + Vite installation guide:npm install -D tailwindcss postcss autoprefixer npx tailwindcss init -p Update your tailwind.config.js:content: ["./index.html", "./src/**/*.{js,jsx}"], Update src/index.css:@tailwind base; @tailwind components; @tailwind utilities; 🧼 Step 3: Clean Up Vite TemplateDelete unnecessary files:* src/assets folder* App.css* Boilerplate JSX in App.jsx🧩 Step 4: Create ComponentsHeader.jsxconst Header = () => ( Tasty Recipes {["Home", "Recipes", "About", "Contact"].map((item, i) => ( {item} ))} ); 🧾 Step 5: Add a Local Recipe DatabaseCreate src/db.js:const recipes = [ { title: "Spaghetti Carbonara", category: "Pasta", image: "https://www.themealdb.com/images/media/meals/llcbn01574260722.jpg", ingredients: ["Spaghetti", "Eggs", "Parmesan", "Pancetta", "Pepper"], description: "A creamy, savory classic Roman pasta dish.", instructions: "Boil pasta, cook pancetta, mix eggs & cheese, combine everything." }, // Add more recipes... ]; export default recipes; 🧠 Step 6: Main App State LogicIn App.jsx:import { useState, useEffect } from 'react'; import recipes from './db'; import Header from './Header'; function App() { const [filteredRecipes, setFilteredRecipes] = useState([]); const [selectedRecipe, setSelectedRecipe] = useState(null); useEffect(() => { setFilteredRecipes(recipes); }, []); const handleRecipeClick = (recipe) => setSelectedRecipe(recipe); const closeModal = () => setSelectedRecipe(null); return ( {filteredRecipes.length > 0 ? ( filteredRecipes.map((recipe, i) => ( handleRecipeClick(recipe)} /> )) ) : ( No recipes found. )} {selectedRecipe && } ); } 🍽️ Step 7: RecipeCard Componentconst RecipeCard = ({ recipe, onClick }) => ( {recipe.title} {recipe.description} ); 🔍 Step 8: RecipeModal Componentconst RecipeModal = ({ recipe, onClose }) => ( e.stopPropagation()} className="bg-white rounded-lg shadow-lg p-6 max-w-xl w-full relative"> × {recipe.title} {recipe.description} Ingredients: {recipe.ingredients.map((item, i) => ( {item} ))} ); 📁 Folder Structuresrc/ ├── App.jsx ├── Header.jsx ├── RecipeCard.jsx ├── RecipeModal.jsx ├── db.js ├── index.css ├── main.jsx ------------------------------------------------------------------------------------------------- 👉 Full Source Code: https://github.com/NorbertBM/learn-web-development-for-beginners-.git ------------------------------------------------------------------------------------------------- #React #TailwindCSS #Vite #RecipeApp #FrontendProject #React2025 This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

🔥 Weekly Market Recap: Crash or Rebound?The stock market saw a significant downturn over the past month, with the Fear & Greed Index hitting 16—indicating extreme fear. However, Friday brought a strong rebound, leading to the key question:👉 Is this the bottom, or are we in for more downside?📉 Market Overview* S&P 500 RSI: Rebounded from oversold (27) to neutral (35).* MACD Indicator: Starting to trigger a buy signal—buyers could be stepping in.* Geopolitical Risks: Trade wars & interest rate uncertainty continue to weigh on sentiment.* Fear & Greed Index: Sitting at 21 (Extreme Fear)—markets may be overreacting.📊 Portfolio Adjustments: What I Bought & Sold📌 Increased Holdings* ASML (ASML): Holding 6.77% of my portfolio—best in class chipmaker.* Alphabet (GOOGL): Increased position to 5.82%—huge AI potential.* Procter & Gamble (PG): Added more, now at 4.64%—defensive play.* GE Vernova (GEV): AI-related energy infrastructure—up 3.58%.📌 Sold/Reduced Positions* Broadcom (AVGO): Took profits before expected pullback.* UnitedHealth (UNH): Holding 2.87%, looking to trim soon.* Caterpillar (CAT): Not a long-term hold—watching for next move.* Nvidia (NVDA): Will reduce to 1%—waiting for better valuation.📌 Added New Trades* Kinder Morgan (KMI): Pipeline play—watching geopolitical shifts.* Diamondback Energy (FANG): Temporary energy trade.* Palantir (PLTR): High-growth AI stock—watching for major pullback.⚠ Risk Assessment & Market OutlookKey events next week:* Monday: Retail Sales* Tuesday: Building Permits & Housing Starts* Wednesday: FOMC Rate Decision & Powell Speech 🚨* Thursday: Existing Home Sales🔹 Risk Level: 45% (Medium-High) – More volatility ahead, but a relief rally possible.🎯 Key Timestamps & Topics Covered00:00 - Market sell-off: Extreme fear hits investors00:34 - S&P 500 Analysis: Oversold or another leg down?01:46 - Fear & Greed Index: Panic levels signal buying opportunity?03:03 - Economic risks ahead: What could trigger more downside?05:54 - Why I increased my Alphabet (GOOGL) holdings07:26 - Defensive moves: Added Procter & Gamble (PG)09:01 - Key earnings next week: Will Powell crash the market?10:32 - New trades: Kinder Morgan (KMI) & Diamondback Energy (FANG)12:24 - My cash position strategy & why I’m raising it14:09 - Market sentiment: The Trump wildcard & political risks15:00 - Final thoughts: Should you buy or wait for more downside?📢 Final Thoughts: Buy the Dip or Stay Cautious?Markets are showing signs of a bounce, but risks remain elevated heading into next week. My strategy:✅ Stay cautious but look for selective buying opportunities✅ Hold cash & take profits where necessary✅ Watch the FOMC meeting closely for Powell’s next move💬 Are you buying the dip or waiting for lower prices? Drop a comment below!🚀 Subscribe for weekly market insights & portfolio updates! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

📌 Description:Markets saw another volatile week with minor corrections, a potential rebound, and critical risk indicators flashing warnings. In this episode, I analyze my latest trades, earnings reports, and why I believe 2022 could repeat itself in the coming months.🔹 S&P 500 moving averages: Bullish or Bearish?🔹 Risk assessment: Is this a dip to buy or a major warning sign?🔹 Why I’m reducing exposure & what I’m selling next week!🔹 Key earnings to watch: Oracle, Adobe & more!📢 Subscribe for real-time market updates & portfolio insights!#StockMarket #Investing #RiskManagement🔥 Weekly Market Recap: Are We Headed for a 2022 Repeat?The past week was a rollercoaster ride, with the market trying to rebound after a correction. But is this a real recovery or just a trap? Let's analyze the S&P 500's technical levels, my latest portfolio moves, and what I expect for next week.📉 Market Overview* The S&P 500 dropped below the 200-day moving average, triggering a technical sell-off before bouncing back.* 50-day & 100-day moving averages are close to crossing—historically a sign of caution.* Market sentiment remains weak, as investors fear rate cuts may take longer than expected.* Geopolitical risks (tariffs, Ukraine war, inflation concerns) continue to weigh on markets.🔹 Key Question: Are we headed for a new all-time high, or is a bigger correction coming?📊 Portfolio Adjustments: What I Bought & Sold📌 Sold Positions* Adobe (ADBE): Weak outlook, exited before earnings.* Broadcom (AVGO): Taking profits, reducing exposure.* Procter & Gamble (PG): Trimmed position to lock in gains.📌 New Buys* TLT (Long-Term Treasuries): Preparing for a potential interest rate cut in late 2024.* Oracle (ORCL): Entered ahead of earnings—AI cloud growth remains strong.* Palantir (PLTR): Took advantage of recent pullback, holding long-term.* Berkshire Hathaway (BRK.B): Safer bet as market volatility increases.⚠ Risk Assessment & Market Outlook* Major earnings next week: Oracle, Adobe, and Dick’s Sporting Goods.* Buybacks season starting: Will this support the market?* Unemployment rising: Potential impact on consumer spending & earnings.🔹 Risk Level: HIGH (60%) – Prepare for more downside before a true recovery.🎯 Key Timestamps & Topics Covered00:00 - Introduction: Why this market is so unpredictable00:34 - S&P 500 Analysis: Moving averages & technical breakdown01:46 - Sentiment Check: Are we in a short-term oversold condition?03:03 - Will the market hit a new all-time high in 2024?04:42 - Risky stocks that could get washed out in a downturn05:54 - Personal investing mistake: The greed trap that cost me -80%07:26 - Risk management tips: When to take profits & cut losers09:01 - Buybacks explained: Why companies don’t buy at low prices10:32 - My portfolio updates: What I bought & sold11:45 - Earnings to watch next week: Oracle, Adobe, and more12:24 - Why TLT (long-term bonds) could be my next big move13:18 - Geopolitical impact: Tariffs, Ukraine & European markets14:09 - Market outlook: How I’m preparing for a 2022 repeat15:00 - Final thoughts: Should you buy this dip or sell the rally?📢 Final Thoughts: Should You Buy or Reduce Risk?Markets are showing warning signs, and I plan to reduce risk on any rebound next week. If the 2022 pattern repeats, we could see a much deeper pullback before a real recovery.💬 What’s your strategy? Are you buying the dip or selling into strength? Drop a comment below!🚀 Subscribe for weekly updates & portfolio insights! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Discover key market trends, stock movements, and economic data from last week, including Nvidia earnings, geopolitical risks, and major trades. Find out what’s next for the market!YouTube Market Overview: February 24 - 28Last week was full of uncertainty, with major corrections shaking the market, only to be followed by a late-week recovery. The S&P 500 barely held above its 50-day moving average, while economic data, geopolitical tensions, and earnings reports heavily influenced investor sentiment.Key economic indicators included:* Durable Goods: 3.1% (higher than expected)* GDP Growth: 2.3% (down from 3.1%)* Core PCE: 0.3% (as expected)* Personal Income: 0.9% (higher than expected)* Personal Spending: -0.2% (lower than expected)Major Stock Movers: AI Stocks & Nvidia EarningsNvidia’s earnings report was highly anticipated. Despite exceeding expectations, the stock saw immediate post-earnings volatility, reflecting high investor expectations and market uncertainty.Nvidia (NVDA)* Earnings Beat: EPS and revenue exceeded estimates* Stock Movement: Initially dropped post-earnings before recovering slightly* Current Price: $NVDA Yahoo Finance ChartOther AI-related stocks saw declines early in the week, followed by rebounds on Friday.Geopolitical Impact: Trump & ZelenskyTrump’s latest tariff announcements on Canada, Mexico, and China added to the market's volatility. Additionally, a televised exchange between Trump and Zelensky rattled investor confidence.Market Sentiment: Increasing geopolitical risk, adding to economic concerns.Trades & Portfolio AdjustmentsHere’s what I bought, sold, and adjusted in my portfolio:Closed Positions* Chipotle (CMG): Closed due to concerns over consumer spending slowdown* HP (HPQ): Exited after lackluster earnings and weak growth outlook* Broadcom (AVGO): Closed position as stock showed sideways movement* Walmart (WMT): Sold after weak forward guidance* JPMorgan Chase (JPM): Trimmed due to overvaluation concernsReduced Positions* Eli Lilly (LLY): Reduced to 1.63% of my portfolio due to high valuations* Procter & Gamble (PG): Trimmed to 3.8% after strong rally* AbbVie (ABBV): Reduced as RSI hit overbought territoryAdded Positions* Hims & Hers Health (HIMS): Increased to 5.66% despite current losses (-11.29%)* GE Vernova (GEV): Energy infrastructure play with AI power demand* Brookfield Corporation (BN): Long-term investment with strong fundamentals* Palantir (PLTR): Added after major pullback, waiting for breakout* Rocket Lab (RKLB): Invested post-correction, strong earnings beat* Realty Income (O): REIT yielding 5.54%, added for defensive exposureNew Positions* Nvidia (NVDA): Initiated position, looking for long-term hold* Berkshire Hathaway (BRK.B): Small position, waiting for better entry* PepsiCo (PEP): Added ahead of dividend X-date* Merkle Group: Insurance & reinsurance holding, similar to Berkshire Hathaway* Diamondback Energy (FANG): Entered energy sector with a small stake* Caterpillar (CAT): Infrastructure play as a long-term bet* MicroStrategy (MSTR): Bitcoin exposure play, short-term trade* Kinder Morgan (KMI): Added gas transport company for AI-driven energy demandRisk Assessment for Next WeekKey upcoming economic events:* ISM Manufacturing PMI* ISM Services PMI* Non-Farm Payrolls & Unemployment RateRisk Factors:* MACD Indicator: Still showing sell signals → Medium Risk* RSI: Sitting at 44, moving up → Medium Risk* Geopolitical Events: Trump & Zelensky tensions → High Risk* Seasonality: March historically strong → Low Risk* Corporate Buybacks: Nvidia buybacks could provide support → Low RiskOverall Market Risk: 50% (Neutral)Final Thoughts & Market OutlookI remain cautiously optimistic but fully invested. The next week is a coin flip, so I’ll be watching economic data closely. If volatility spikes, I’ll consider locking in some gains and raising cash levels.Stay safe, manage risk, and trade smart!Legal Disclaimer The content on this YouTube channel is for informational and educational purposes only. I am not a financial advisor, and nothing in my videos should be considered financial, investment, tax, or legal advice. All opinions expressed are solely my own and should not be taken as specific recommendations for buying, selling, or holding any securities, cryptocurrencies, or other financial instruments. Investing involves risk, and you should always conduct your own research and consult with a qualified financial professional before making any investment decisions. While I strive to provide accurate and up-to-date information, I cannot guarantee that all information presented is complete, accurate, or current. Market conditions and regulations change frequently, and past performance is not indicative of future results. This channel may include affiliate links or sponsored content, which may provide compensation to support the channel at no additional cost to you. Any such partnerships do not influence my opinions or recommendations. By watching my videos, you agree that I am not responsible for any financial losses or decisions you make based on the information provided. Always do your due diligence and make informed choices. For legal compliance, this disclaimer applies to viewers in the United States, the European Union, and any other applicable jurisdictions.📢 Like & Subscribe to Wealththarm for more insights! 📊 Follow me for daily stock market updates, portfolio reviews, and in-depth trade breakdowns.📌 Subscribe for next week’s risk assessment & earnings previews! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

The stock market faced a volatile week, with the S&P 500 experiencing a sharp pullback. We started strong, rallying early in the week, but a disappointing economic outlook and weaker-than-expected earnings guidance from major companies led to a sell-off on Thursday and Friday.00:00 - Start 01:29 - Why did the market crash last week 02:45 - Why did Walmart Stock Crash 03:12 - Why did UnitedHealth Stock Crash 04:40 - My trades 05:08 - Tesla (TSLA) stock analysis. buy or sell 05:45 - Rheinmetall AG (RHM) stock analysis. buy or sell 07:54 - How much cash do I hold in my portfolio 08:43 - Eli Lilly (LLY) stock analysis. buy or sell 09:22 - AbbVie (ABBV) stock analysis. buy or sell 10:46 - Brookfield Corp (BN) stock analysis. buy or sell 11:48 - Procter & Gamble (PG) stock analysis. buy or sell 14:34 - S&P500 ETF (SPDR) stock analysis. buy or sell 16:19 - AMD (AMD) stock analysis. buy or sell 17:43 - Chipotle (CMG) stock analysis. buy or sell 18:59 - GE Verona (GEV) stock analysis. buy or sell 19:56 - Alphabet Inc (GOOGL) stock analysis. buy or sell 21:16 - Hims & Hers Health (HIMS) stock analysis. buy or sell 24:04 - Axon (AXON) stock analysis. buy or sell 26:16 - Constellation Brands (STZ) stock analysis. buy or sell 28:27 - Walmart (WMT) stock analysis. buy or sell 29:52 - Berkshire Hathaway (BRK.B) stock analysis. buy or sell 32:50 - Constellation Software (CSU) stock analysis. buy or sell 34:08 - Rocket Lab (RKLB) stock analysis. buy or sell 35:38 - PepsiCo (PEP) stock analysis. buy or sell 37:46 - Should you invest in the stock market next week 39:34 - Should you sell S&P500 ETF 40:25 - How much risk is in the stock market 41:46 - Witch companies report earnings next week Key Market Events:* Disappointing Economic Data: Weaker business activity readings signaled slowing consumer demand.* Walmart’s Guidance Miss: The retail giant dropped -2.5% after issuing weaker-than-expected earnings guidance.* UnitedHealth (UNH) Drops Hard: Investigations into their Medicare billing practices led to a steep decline.* Tech Sector Sell-Off: Nvidia (NVDA), Amazon (AMZN), and Tesla (TSLA) saw significant pullbacks.My Portfolio AdjustmentsTrades I MadeTesla (TSLA) - Quick Swing TradeBought at a dip, sold quickly for a profit. Tesla remains unpredictable, but I capitalized on oversold conditions, executing two trades between February 18-19. Profit: €500Rheinmetall (RHM) - A Costly MistakeTook a position in Rheinmetall, Germany’s largest ammunition producer, after speculation about increased EU defense spending. The stock quickly pulled back, and I cut my losses. Loss: €100Stocks I ReducedEli Lilly (LLY) & AbbVie (ABBV)Both stocks were overbought, and I trimmed my positions. These remain solid pharmaceutical stocks, but I’m waiting for a deeper pullback to add again.Procter & Gamble (PG)Reduced to 5.24% of my portfolio. PG remains a strong dividend player, but I’ll consider adding back if it pulls back further.Brookfield (BAM)Waiting for a larger dip before re-adding. Currently holds 1.04% of my portfolio.Stocks I BoughtHims & Hers (HIMS) - Small Speculative PositionThe FDA lifted its compounded weight-loss drug restrictions, causing a sell-off in HIMS. I took a small 0.93% portfolio position, expecting a rebound.Axon Enterprises (AXON) - First EntryAxon produces security cameras, tasers, and AI-driven public safety software. After a major pullback, I opened a 3.56% position.Constellation Brands (STZ) - Berkshire Hathaway’s PickAfter Warren Buffett’s firm added STZ, I followed suit. Great alcohol brands like Corona & Modelo make it recession-resistant.Walmart (WMT) - After the Sell-OffI took advantage of Walmart’s post-earnings drop and added a 1.21% stake.JPMorgan Chase (JPM) - Short-Term TradeJPM dipped, so I bought in. I may not hold for long, but it’s a solid financial play.Berkshire Hathaway (BRK.B) - Swapped for S&P 500 ETFInstead of holding an S&P 500 ETF, I chose to own Berkshire Hathaway directly.Rocket Lab (RKLB) - Long-Term Growth BetExpecting this company to become the “UPS of space” as the industry grows.Pepsi (PEP) - Buying at Pandemic LevelsAdded to Pepsi, which is now trading at its pre-pandemic valuation.Risk Assessment for Next Week* MACD Sell Signal Triggered: Indicates caution.* RSI at 45: We could still see more downside.* Major Earnings Coming Up: Nvidia, Home Depot, Realty Income, and Rocket Lab are reporting. Their guidance will be critical.* Stock Buybacks Are Coming: Could support market strength through March.* Economic Reports (Feb 26 - Mar 2):* Durable Goods (Tuesday)* GDP Growth Rate (Thursday)* Core PCE & Personal Income (Friday)👉 Risk level: 60% (Medium-High). Markets are shaky, but buybacks could push us higher into Q2.Final ThoughtsMarkets pulled back hard, but I see buying opportunities emerging. The next week will be crucial, with earnings and economic data driving sentiment. If earnings come in strong, we may see another leg up.💡 What’s your strategy? Are you buying, holding, or waiting for more pullbacks? Let me know in the comments! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Intel's stock surged over 10% in a day, Hims & Hers skyrocketed 27%, and CVS finally made a comeback! In this week’s market recap, I break down key earnings, portfolio updates, and my 40% risk assessment for the coming week. Should you buy, hold, or sell these stocks? Let’s dive in!🔹 Intel’s big move—can it sustain the rally?🔹 Hims & Hers explodes after Super Bowl ad—overhyped or a buy?🔹 CVS rebounds—strong earnings or just temporary momentum?🔹 Portfolio updates: Why I sold Nvidia, Oracle, and Palo Alto Networks!Don’t forget to like, comment, and subscribe for more in-depth stock market insights!#StockMarketUpdate #Investing #IntelStock💰 Weekly Market Recap & Portfolio Update (Feb 10 - Feb 14, 2025)February brought volatility, breakouts, and key earnings that shook the market. I’ll go over the biggest stock moves, portfolio changes, and a risk assessment to help navigate the upcoming week.Next weeks earnings🔥 1. Intel (INTC) — Government Support Sparks 10% Surge!📉 Ticker: INTC💰 Current Price: ~$44.50📈 Weekly Gain: +10.2%Intel had a monster week, rallying over 10% in a single day, fueled by:✅ US Government backing domestic semiconductor manufacturing✅ Rumors of a joint venture with TSMC✅ Intel’s turnaround efforts gaining tractionDespite the surge, Intel still faces massive competition from NVIDIA (NVDA) and AMD (AMD). I’m still holding my shares but watching carefully—this could be a short-term hype rally.🚀 2. Hims & Hers (HIMS) — Super Bowl Ad Sends Stock Up 27%!📉 Ticker: HIMS💰 Current Price: ~$18.25📈 Weekly Gain: +27%Hims & Hers stock exploded this week, following a massive Super Bowl ad campaign that put them on the radar of new investors.📌 Why the rally?✅ Subscription-based revenue growth (steady recurring income)✅ Massive marketing boost from the Super Bowl✅ Analyst upgrades & bullish sentiment⚠ BUT... is it overvalued?While the stock is on fire, the RSI is flashing overbought signals, so I sold my position for a quick trade. If it pulls back, I might re-enter.💊 3. CVS Health (CVS) — Finally a Breakout!📉 Ticker: CVS💰 Current Price: ~$73.40📈 Weekly Gain: +5%After two years of pain, CVS finally broke out, thanks to:✔ Strong Q4 earnings & raised 2025 guidance✔ Solid 4.2% revenue growth YoY✔ Improving fundamentals & dividend stability (4% yield)I’m long on CVS, and my entry at $60 is finally in the green. Still a great long-term buy for dividend investors.📉 Portfolio Adjustments — What I Bought & Sold This Week🔴 Sold Positions* Nvidia (NVDA) ❌ — Took a loss, expecting a pullback post-earnings* Oracle (ORCL) ❌ — Sold ahead of earnings uncertainty* Palo Alto Networks (PANW) ❌ — Overextended, locking in profits* Target (TGT) ❌ — Weak outlook, time to move on🟢 Added to Positions* Procter & Gamble (PG) ✅ — Defensive play, now 6.48% of portfolio* Google (GOOGL) ✅ — Increased holdings to 5.06%* Novo Nordisk (NVO) ✅ — Strong growth story, now 3.94% of portfolio* Brookfield (BAM) ✅ — Waiting on earnings before adding more🚀 New Positions* Tesla (TSLA) ✅ — Short-term trade, looking to exit on a rally* Realty Income (O) ✅ — 5.7% dividend, monthly payer, solid REIT⚠ Market Risk Assessment — Should You Be Cautious?📅 Key Economic Events Next Week:* Wednesday: Fed Meeting Minutes (FOMC)* Friday: Existing Home Sales Report📉 S&P 500 RSI: 57 (Moderate risk)📊 MACD: Buy signal triggered🔄 Stock Buybacks Open: Positive for market stability💡 Risk Level: 40% (Medium-Low) → The market remains range-bound, waiting for a catalyst.🔥 Final Thoughts: Should You Buy Intel, CVS, or Hims & Hers?📌 Intel (INTC) — HOLD (Watching for a pullback)📌 Hims & Hers (HIMS) — SELL (Overbought, looking for re-entry)📌 CVS Health (CVS) — BUY (Solid earnings & long-term value)💬 What’s your market outlook? Drop a comment below!🚀 Subscribe for weekly stock market insights! Stay safe and trade smart! This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

This week’s stock market review covers major earnings from Google, Amazon, and Palantir, alongside key trades and portfolio adjustments. Find out why I trimmed Oracle, added Nvidia, and exited Adobe while assessing market risks for the upcoming week.#StockMarketUpdate #EarningsSeason #PortfolioStrategyThe first full week of February brought intense market volatility, earnings surprises, and shifting economic sentiment. In this post, I’ll break down key earnings reports, my portfolio changes, and a risk assessment for the upcoming week.1. US Stock Market Slumps Amid Inflation and Tariff Fears:Wall Street experienced a downturn this week, as worries about persistent inflation and potential new tariffs resurfaced. The S&P 500 fell by 0.9%, erasing earlier gains and marking one of the worst drops for the index in the young year. The Dow Jones Industrial Average also sank by 1%, while the Nasdaq composite led the losses with a 1.4% decline, dragged down by a sharp fall in Amazon's stock despite exceeding earnings expectations.2. Mixed Global Market Performance:While US markets struggled, Asian shares saw gains, with Japan's exports hitting a record high. However, the country continued to grapple with a trade deficit. European markets traded mixed, reflecting a cautious sentiment amid global uncertainties.3. Fed's Interest Rate Outlook Remains Uncertain:The Federal Reserve's stance on interest rate cuts remained a key point of discussion. The Fed began cutting rates in September 2024 to ease economic pressures. However, it indicated a potential slowdown in the pace of cuts for 2025. This was due to concerns about stubbornly high inflation. This divergence in expectations between the Fed and some Wall Street traders contributed to market volatility.4. Amazon's Stock Falls Despite Earnings Beat:Despite reporting better-than-expected earnings for the last quarter of 2024, Amazon's stock fell by 4.1%. Investors focused on the company's revenue forecast. It fell short of analysts' expectations. This highlights the importance of forward-looking guidance in market valuations.5. Homebuilders Take a Hit:Homebuilder stocks experienced significant losses, with D.R. Horton and Lennar sinking by 5% and 4.2%, respectively. The prospect of fewer interest rate cuts by the Fed raised concerns about potentially higher mortgage rates. This change is impacting the housing market outlook.6. Expedia Group Soars on Strong Travel Demand:In contrast to the overall market trend, Expedia Group's stock leaped by 17.3% after reporting strong profits for the last quarter of 2024. The company cited robust travel demand. It announced the reinstatement of its dividend for investors. This signals confidence in the travel industry's recovery.1. Key Earnings Reports & Market TrendsPalantir (PLTR)* Earnings: Strong beat on revenue & profitability.* Stock Movement: Up 40% this week.* Outlook: While fundamentals are improving, valuation remains stretched (100x+ future sales).Google (GOOGL)* Earnings: Good revenue growth, strong cloud business.* Stock Reaction: Dropped 6.7% despite solid earnings.* Key Issue: High valuation and lack of a "wow factor" in the report.Amazon (AMZN)* Earnings: Beat expectations, but stock still fell ~3.5%.* Key Reason: Investors wanted stronger guidance.Other Earnings Highlights:* AMD: Disappointing performance, impacting my portfolio negatively.* Disney & PayPal: Weak reports, both stocks fell.* Expedia Group: Surged 17% post-earnings, but too risky for entry.* UPS & Hershey’s: Poor performance led to quick trades.2. Portfolio AdjustmentsExited Positions* Adobe (ADBE): Lack of innovation, competitive pressure from Canva.* Palantir (PLTR): Trimmed after a 40% rally, still holding 2.43%.* Oracle (ORCL): Reduced to 0.72%, awaiting TikTok-related news.Added to Positions* Nvidia (NVDA): Increased to 4.46% on pullback. Considering selling at a limit order.* Google (GOOGL): Now 4.15%, but currently down 6.7%.Cash Holdings:* 8.95% of my portfolio, aiming for 15-20% by April to hedge against risk.3. Risk Assessment for Next Week (Feb 10 - Feb 16, 2025)Economic Events:* Monday: No major events (potentially stable trading).* Tuesday: Fed Chair Powell testimony.* Wednesday: Inflation Report (Core CPI).* Thursday: Producer Price Index (PPI).* Friday: Retail Sales Report.Market Sentiment & Indicators:* S&P 500 RSI: 50.54 (Neutral, room for movement).* MACD: Signaling a bearish trend—potential further downside.* Earnings Impact: Remaining reports include McDonald’s, Coca-Cola, CVS, Cisco, Robinhood, Deere, Honda, and Sony.Overall Market Risk: Medium-High* Earnings season buyback window opens, potentially stabilizing markets.* Inflation & Fed updates could trigger volatility.* Watching Brookfield closely for investment opportunities.Final ThoughtsMarkets remain volatile, with uncertainty around interest rates and tech stock valuations. While Nvidia and Google remain key holdings, I’m cautious about risk and raising cash levels.What’s your strategy for February? Let me know in the comments!Legal Disclaimer The content on this YouTube channel is for informational and educational purposes only. I am not a financial advisor, and nothing in my videos should be considered financial, investment, tax, or legal advice. All opinions expressed are solely my own and should not be taken as specific recommendations for buying, selling, or holding any securities, cryptocurrencies, or other financial instruments. Investing involves risk, and you should always conduct your own research and consult with a qualified financial professional before making any investment decisions. While I strive to provide accurate and up-to-date information, I cannot guarantee that all information presented is complete, accurate, or current. Market conditions and regulations change frequently, and past performance is not indicative of future results. This channel may include affiliate links or sponsored content, which may provide compensation to support the channel at no additional cost to you. Any such partnerships do not influence my opinions or recommendations. By watching my videos, you agree that I am not responsible for any financial losses or decisions you make based on the information provided. Always do your due diligence and make informed choices. For legal compliance, this disclaimer applies to viewers in the United States, the European Union, and any other applicable jurisdictions. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

This week’s market recap covers earnings reports from Tesla, Meta, Microsoft, and ASML, alongside my latest portfolio moves. Discover why I exited Visa, adjusted positions in AMD, NVIDIA, and Procter & Gamble, and my outlook for February. Full Analysis: https://menyhartmedia.com/2025/02/01/market-recap-portfolio-update-tesla-meta-microsoft-earnings-key-trades/ Time stamps:00:00 - Start 00:40 - Major Company earnings Report Analysis 01:22 - ASML Earnings analysis 01:45 - Microsoft earnings report analysis 02:25 - DeepSeek debunked 03:24 - Why is Tesla stock up 04:16 - Meta Earnings analysis 04:56 - Witch companies report earnings next week 05:52 - How did my portfolio performed this week 06:16 - Stocks that I sold this week 06:50 - Should you buy or sell Visa (V) Stock analysis 08:16 - Should you Buy or Sell Apple (AAPL) 10:03 - AbbVee Stock analysis Should You Buy or Sell ABBV 10:48 - Should you Buy or Sell Eli Lilly 11:20 - ASML, AMD, PG, GEV, NVDA, PLTR Stock analysis 12:56 - Should you Buy or DCA in to a S&P500 ETF 13:28 - Constellation Energy Stock Analysis, Buy or Sell 13:53 - Broadcom Stock Analysis, Buy or Sell AVGO 14:20 - Was I write or wrong with my market forecast 14:58 - Stock market forecast for the next week 17:10 - Why did the market sell of last week #deepseek #portfolioanalysisRisk Assessment & Outlook for FebruaryKey Economic Events Next Week:* Monday: ISM Manufacturing PMI* Tuesday: JOLTS Job Openings Report* Wednesday: ISM Services PMI* Friday: Non-Farm Payrolls & Unemployment DataMarket Sentiment:* S&P 500 RSI: 54 (Medium risk)* MACD: Bearish cross—caution warranted.* Buyback Window: Opens post-earnings, could stabilize markets.Overall Risk Level: High—Market correction possible, but February may see support from stock buybacks.Legal DisclaimerThe content on this YouTube channel is for informational and educational purposes only. I am not a financial advisor, and nothing in my videos should be considered financial, investment, tax, or legal advice.All opinions expressed are solely my own and should not be taken as specific recommendations for buying, selling, or holding any securities, cryptocurrencies, or other financial instruments. Investing involves risk, and you should always conduct your own research and consult with a qualified financial professional before making any investment decisions.While I strive to provide accurate and up-to-date information, I cannot guarantee that all information presented is complete, accurate, or current. Market conditions and regulations change frequently, and past performance is not indicative of future results.This channel may include affiliate links or sponsored content, which may provide compensation to support the channel at no additional cost to you. Any such partnerships do not influence my opinions or recommendations.By watching my videos, you agree that I am not responsible for any financial losses or decisions you make based on the information provided. Always do your due diligence and make informed choices.For legal compliance, this disclaimer applies to viewers in the United States, the European Union, and any other applicable jurisdictions. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Discover the latest updates to my portfolio, including new positions in Palantir and Palo Alto Networks, and insights into Oracle’s recent performance. Get an in-depth analysis of the economic events affecting the market and strategies to navigate risks for the upcoming week.Subjects discussed:* Weekly stock market analysis with portfolio updates and risk assessment.* The impact of Trump’s Stargate AI project on Oracle and other tech stocks.* Why I added Palantir and Palo Alto Networks to my portfolio.* Procter & Gamble: A stable pick for defensive investors in 2025.* Navigating market risks ahead of the Federal Reserve’s rate decision.* How economic events like GDP and durable goods orders shape the market.* Analysis of Oracle’s performance amid TikTok ban speculation.* High-growth potential in Palantir and Palo Alto Networks stocks.* Defensive strategies for managing portfolio risk in volatile markets.Weekly review of portfolio performance, trades, and key market indicators.Time stamps: 00:00 - Start 00:24 - My prediction results for the stock market 01:05 - Trump Stargate Project, Oracle, OpenAI, SoftBank 03:04 - How will the $500Bil. invested in the Stargate program04:14 - Witch companies could profit from the Stargate project 05:30 - About DeepSeek 06:04 - My Portfolio performance and Cash hold 06:39 - Witch stocks did I buy 10:03 - Should you invest in the stock market, Risk Analysis 10:32 - Top upcoming economic events 11:08 - How high is the risk in the stock market This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

🚨 Is Procter & Gamble (P&G) Worth Your Investment? 🚨 Discover the untold story behind one of the world’s most iconic companies! P&G has 67 consecutive years of dividend growth. It boasts household brands like Tide, Pampers, and Gillette. P&G seems like a no-brainer for any portfolio. But is it really the best defensive stock in 2025, or is its high valuation a red flag? 🤔 Full Analysis: https://menyhartmedia.com/2025/01/18/is-procter-amp-gamble-the-best-defensive-stock-dividend-king-or-overpriced-gamble/ 00:00 - Start 00:22 - What is Procter & Gamble 01:47 - What is my position in PG 02:34 - #1 - Positive Aspects for PG 03:00 - #2 - Positive Aspects for PG 03:41 - #3 - Positive Aspects for PG 04:16 - #4 - Positive Aspects for PG 04:51 - #5 - Positive Aspects for PG 05:26 - #1 - Negative Aspects for PG 06:11 - #2 - Negative Aspects 06:47 - #3 - Negative Aspects 07:35 - #4 - Negative Aspects 08:13 - PG Financial analysis 09:21 - Should you Buy Hold or Sale Procter & Gamble (P&G) #DividendStocks #ProcterAndGamble #StockMarketAnalysis This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe

Prologis (PLD), a leading owner and operator of logistics real estate, released its Q4 2025 earnings. The report reveals the continued strength of the industrial real estate sector. Full report: https://menyhartmedia.com/2025/01/21/prologis-q4-2025-earnings-benefiting-from-strong-logistics-demand/ 00:00 - Start 00:30 - Prologis earnings key highlights 01:35 - Prologis key market drivers02:00 - Prologis key strength and future outlook #prologisearnings #prologisstock This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit norbertbm.substack.com/subscribe