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

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

07/21/2026

In my Roth IRA today, I added to my position in CNAV and I started new positions in LLY & TKR.

07/18/2026

Here is the Schwab Weekly Portfolio report. Regular investment account:
APL +5.84%.
GRC +0.30%.
POWL +0.26%.
CIEN -18.73%.
USD -15.16%.
STX -13.48%.
Roth IRA account:
AAPL 5.84%.
NWPX 3.22%.
LION +3.04%.
WDCX -34.5%.
SOXL -29.54%.
SNDK -29.9%.
This report excludes MUU & KORU because these two ETF's did a 20 to 1 stock split.
These are some of the major companies that are reporting next week: GEV, GOOGL, TSLA, RTX, TMUS, INTC & AXP. You can find a list of all the companies that are reporting by going to your Charles Schwab account clicking on Research, then Calendar, and then Earnings.

07/18/2026

Stocks went down again today and ended another volatile week. Because of the continued conflict in the Middle East oil prices rose 4.5% to settle at $82.49 per barrel.
Today in my regular investment account, I added to my positions and FIX & USD.
In my Roth IRA today, I added to my positions in GLW, SMH & USD. I also decided to start a position of XLK in my Roth.

07/16/2026

I know this Tech sell off seems very brutal, especially if you are heavily invested in Tech, which is hard not to be because everything relies on Technology these days. But keep in mind the S&P 500 is only down 1.01% from the all-time high back on June 2. If you follow my posts, you know, I continue to buy Tech as we go down more and more. I may be wrong, but I'm betting my money and my family's money on my belief that Technology is not going away and stock prices will rebound. I wish I could tell you when, but I can't, but I believe they will come back up.
I have been investing, in individual stocks and Exchange Traded Funds (ETF's) for 18 years and the following are the data I watch in order to figure out if we are headed toward another recession:
1. I watch our inflation rate by keeping track of the CPI and the PPI.
2. I watch our unemployment percentage rate according to the monthly jobs report.
3. I watch our price of oil, per 55 gallon barrel.
4. I watch our S&P 500 P/E ratio, to see if it goes above 25.
5. I watch our S&P 500 and the speed of its decline.
6. I also now watch our 10 year bond interest rate, to see if it goes over 5%.
Not one of the above indicators are bad right now! I see no data that make me believe our stock market is headed toward another recession. Yes, we might see a 10% pull back, but those happen from time to time. I am not letting this Tech sell off make me panic and pull my money out of the market. I actually think we might be close to the bottom of this sell off! Remember, we are in earnings season and what better time is there for our market to turn around.
Today in my regular investment account, I added to my positions in SOXY, STX & TSM.
In my Roth IRA today, I added to my positions in AIFD, GLW, MYRG, POW, QTM, SOXL, SOXY & USD.

07/16/2026

Yesterday we learned that our Consumer Price Index (CPI), a broad measure of costs for goods and services across the U.S. economy, was lower than expected. CPI fell a seasonally adjusted 0.4% for the month of June, bringing the annual inflation rate down to 3.5%. Economists surveyed by Dow Jones had been looking for a drop of 0.2% and an inflation rate of 3.8%, following the 4.2% reading in May. This was the biggest decline in over six years.
Today we learned that our Produce Price Index (PPI), which tracks the change in the price of goods and services that producers receive for their goods and services, posted a seasonally adjusted 0.3% decline for the month of June, compared to the Dow Jones estimate to be unchanged. On an annual basis, the index is at a 5.5% inflation rate. Excluding food and energy, core PPI rose 0.2%, against the outlook for a 0.3% increase.
In the last two days in my regular investment account, I added to my position in USD and I started a new position in C.
In my Roth IRA in the last two days, I started a new small speculative position in DECO. I also added to my positions in ASML, CAT, DELL, MUU (whose stock just split), SNDK & USD.

Our markets were down for several reasons today check out, the CNBC app or cnbc.com if you want all the details. The J...
07/14/2026

Our markets were down for several reasons today check out, the CNBC app or cnbc.com if you want all the details.
The June Consumer Price Index (CPI) report is due out tomorrow morning right when earnings season starts. On Wednesday morning the June's Producer Price Index (PPI) report is released. The inflation picture matters a great deal for the Federal Reserve’s interest rate decisions in the coming months.
Attached is a picture of some of the big banks that are reporting their earnings the rest of this week.
Today in my regular investment account, I added to my positions in PSI, SOXY, STX & USD.
In my Roth IRA today, I added to my positions in AGX, MUU, MYRG, POW & QTUM.

07/12/2026

Here are the results of the Schwab Weekly Portfolio report. Regular investment account:
ANET +16.86%.
STX +11.00%.
AVGO +10.96%.
POWL -5.74%.
GRC -5.42%.
ARKK -5.37%.
Roth IRA account:
WDCX +14.48%.
AM DL +14.40%.
USD +10.80%.
SPCF -20.20%.
JEDI -11.0%.
AGX -10.74%.

07/11/2026

The Standard & Poor's 500 index rose 1.2% this week and it is up 11% this year. The Technology led sector gains for the week, rising 3.4%, followed by a 3.2% advance in Energy and a 2.3% increase in Communication Services. Materials fell 2.2%, followed by a 1.9% loss in Healthcare. Consumer Staples dropped 1.3%, and Industrials shed 1.1%.
Here is something for good investors to contemplate over the weekend. Should we react more to the Economic Data that comes out or to how our Federal Reserve reacts to it? The correct answer is probably different for different investors.
Today in my regular investment account, I sold my entire positions of IGM & PPA and I added to my position in CHAT.
In my Roth IRA today, I added to my position in INTC.

07/10/2026

Today in my Roth IRA I started new positions in NWPX & VOLT.

07/08/2026

Well once again, the on again, off again Iranian conflict is back on again. That means oil and interest rates are going up and our stock market is going down.
But don't worry too much though because 2nd Qtr. 26 earning season starts on Tuesday, with the big banks, and typically stocks go up during earning season.
I have realized that there are a lot of investors with cash in their accounts and the cash is not making any interest to speak of. If that is you let me teach you how to put that cash into a money market account so that you can make approximately 3.49% interest and your cash is still liquid. You can also call your broker.
Today in my regular investment account, I added to my position in PWR.
In my Roth IRA today, I added to my positions in MYRG & POW. If you have not looked at the POW, Exchange Traded Fund, I suggest you do. I currently really like the sector that this ETF is in. I also sold a few shares of various other positions to raise more cash.

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