I've got to make it work. See if I can somehow manage costs with investments. I've been cutting costs since 2011, living in an efficiency for 6 years for example, which wasn't too bad. But I think small spaces have an affect that somehow causes grief in life. I've seen digital nomads track spending and earnings and seems more fun if blogged.
Now, using these reports, I clearly see, that my total Debt, is matching the amount of my unrealized gains. While relocating to England, my costs are peaking again.
total Debt == 19,864.05
total unrealized Gains == 19,245.00
Stock picks - I'm trying to buy more of these but they keep rising far above these prices, as of late January 2026.
WPM 145
NEM 120
RIO 90
ASA 65
PAAS 55
KGC 33
DRD 30
AG 22
CDE 21
USAU 16
UUUU 19
UEC 15
NXE 12
DNN 3.80
TPL 338 - this is my most hopeful and speculative stock for big gains
NVDA 185
HOOD 96
PL 26
WULF 13
MARA 9
Happy investing. What do you think about these picks?
I will see if I can continue this each month. How do you look at your finances? How often?
META
market cap Jan 27, 2026 == 1.693T, before earnings.
evening just after earnings == 1.686T.
A full complete 2 days after earnings release = 1.808T
gross/op/profit margin
46.91, 31.97, 26.92 == hours before earnings Jan 28
47.33, 32.38, 27.04 == a full 48 hours after earnings
source == https://stockanalysis.com/stocks/aapl/statistics
I'd like to get an idea of how much Op/Profit Margin are updated based on earnings. I believe it actually is an estimate, until the ANNUAL Net income report comes. Generally, I'd like to know how often the big stocks can report actual Operating and Profit Margins. They seem to change based on earnings, just a bit. What do you think?
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February 2026
total unrealized Gains == 23344 - 3083 == 20261
total Debt == 20,273.12
KGC 32
CDE 21
UUUU buy at 19
TPL buy at 489
NVDA 170
Bitcoin halving April xx, 2028. ~$xxxxx.xx will Bitcoin make another grand 16 month surge 2025, 120,000.00
Confusions:
MSFT Jan 28 after market close == earnings report beat Revenue and EPS, but stock dips down in price.
NVDA Feb 25 after market close == earnings report beat Revenue and EPS, but stock dips down in price.
Reflection: One difficulty, despite, details with these investing numbers, sales of stocks, limit orders buying into a stock, some sales. One difficulty, is knowing some kind of "rate" of gains from investing. And how does this rate exceed spending. These monthly reports do help, because I've been doing them for 2 years. The difficulty is to know, is this month really good or really bad. For example, TPL has shot up, but overall, my MSFT, AAPL, and GOOG all went down from what they were in Late January. I do know that I've managed to grow the savings I have since 2019. despite some really bad stock choices, I remember 2020/2021 buy some really strange stocks. Maybe there is a way I can snapshot money numbers better. But at same time, I think this I've gotten as detailed as I can get. I think I need to just memorize these numbers more, in my own head. This must be the main "trick" to investing. The next trick, is to not read news articles, perhaps. Only reading earnings releases. And never buy recommendations from peripheral "strategy" websites. Because, good lucky or not, other peoples' picks are diluting your own strategy effectiveness. Which constantly needs to change. And changing your favorite external platform, is not effective. And those strategists who say invest in Gold, but don't actually say what ticker symbol, is frustrating. Sometimes, it needs to change by getting simpler. Sometimes it needs to change by being smarter. The past month, I'm not familiar with a bunch of new stocks. they've all grown, but my holdings in them are somewhat small. I suppose I need a 6month or 12 month report as well. And this is why I think I want to invest in a house. Unless I really know my career. Currently, I don't really think I have any real career skills. Also, I don't think I have the confidence/stake in the game/camaraderie in getting/being effective in a city/retail/public life stable job. If I have stability in a property, a stable location, where My costs are really stable for years and years, I can better assess my investing income stability.
The reason for this 1: If I want to buy a property, I think I will just go with what ever property appears when stocks spike up. Maximize cash by selling "highest" point for me in 2026. Which may not be till the holiday season of 2026/Jan2027. For some reason, I'm very leery of buying a property the traditional slow way working with agents and being funneled into a typical buyer route. I'm an outsider, anywhere in England is good for me I think. I'm single man, any neighbor is ok with me.
The reason for this 2: It appears I should have just bought a house in late January when my savings were 8000 higher than they are now.
The reason for this 3: I have a bit more wisdom, but at age 48, and all the strangeness of life, and my life path, especially the past 6 years, I'm really wondering what is my wisdom. Seems to be engulfed and have dozens of life paths waiting to engulf me even more. Maybe I just need to fire more and less aiming.
The reason for this 4: I dislike rent.
Mike's investing and accounting principles, queue the Sad but True Metallica Song.
1. Must memorize your favorite stocks.
2. Must have ALL debts with expiry/due dates written out by hand each month
3. Almost zero reading news articles that come out every day.
4. No externally "found/recommended" picks, unless the person specifically mentions the ticker symbol in real conversation, or real message. Or, it's ok, if you've gotten used to their rhythm of "picks."
5. Every year or once definitely every 5 years, sell 80% and cash out during any peak. And definitely 50%. Particularly in Dec or January. Especially when 3 years of peaks occur in a row. Especially when a war continues for 6+ months. Timing the market is the only tool an individual has, but sometimes a big reset (sell, wait 1 month or 6 months, buy again) using 3 or 4 peaks, as the indicator, in a row, timing may be useful
Analogies: Good digital painters can make great art in any digital tool.
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March 2026
Events
I bought a few more NVDA using limit orders and 1 or 3 quantity. I bought these during some of low days of March 20-30, 2026.
Many stocks went down for USA/Iran war, but MSFT and AAPL usually take a dip in February.
I applied for UK National Insurance, 4 weeks to get approved
Started exploring UK Banks, Atom has no physical stores.
Updated laptop with more microSD card space
Went on 5 viewings and found one I want to pursue.
Planned some Lloyd Alexander books to read
Exercised at gym about 10 times
Bought nutrition supplements and got rid of a 4 week long mucus cold.
Tried a new restaurant Pho which was very spicy, but hydrating I think.
Postponed paying for a rental by using AirBnb for another month.
New AppleID account to get UK based grocery store apps to work on eSIM USA iPhone
Still need to explore mortgages and get an Agreement in Principle.
March 31, 2026. Total unrealized Gains == 17505 - 4905 == 12600
total Debt == 21858.38
__________________________________________
April 2026
Events
Met some friends.
Entered my money transactions to USA 2025 taxes website, using TaxSlayer.com, free.
Started a more reliable rental in England, not using AirBnb
AAPL and GOOG stock price goes higher, but jumps even higher after earnings
Cooked beef bean chili
Started PrePly Chinese lessons 2x week and Discord groups
Meetup.com language exchanges
Went to new gym about 7 times, likely standardize Sun, Tues, Wed.
Went on 2 UK property viewings, and 4 just view the outside.
1 UK property Leasehold has an offer and I cannot buy it, but can still be in line.
Read 2 leasehold books and started 1 audible free trial book
Joined a Wise Owl UK property web portal and added PropertySolvers Linkedin
Made a template, questionnaire for UK property viewings, "what does your property do" Wise Owl UK Property - I look at my box diagram of House systems and ask for input - It seems better to elicit and remember feedback - https://jrfunkmobmusiccollab.wordpress.com/wp-content/uploads/2025/03/self-improve-03-strategy-housesystem.jpg
Planned shoe buying on Nike.com shoes to use giftcard.
Read more of my coaching and life improvement quotes file.
Drawing 9 sketches with color in Krita digital painting. Painter Essentials 8 is worst scam, SEO, worst videos, worst online help and worst keyboard shortcuts, worst user interface.
Tracking the same stocks to buy WPM, UUUU, NXE, NVDA, PL, OKLO.
Tracking some new stocks NTR, ICL related to phosphates, food/chemical hunch
Tracking more nuclear LTBR, BWXT, RYCEY. GEV, NNE, NKLR.
Tracking ASX and UMC as these are the current most % gains, though small positions.
Planned an ORCL, BX stock trading strategy to apply for 3 months. Bought, and sell Oracle at peak, then trade that same money into BX.
Very sad with real life out there, coincidences, the things, when out and about, that indicate real life gangs, real life lies, and digital life. Avoid, more like ignore, gangs more than ever. At least this Friday morning was very sad for some reason.
Started editing more of Symphony 1 part 2 and adding more ideas. Part 1 is on Youtube.
April 30, 2026. Total unrealized Gains == 34504 - 3578 == 30926
total Debt == 28488.78
Events
For some reason in 2025, I compared DELL with WMT because they had similar prices around 115.00 And decided to stay with WMT. I had only 1 Dell quantity, but many WMT. This was mistake. DELL, INTC and USA chip makers are booming.
Still tracking ORCL gains to then trade the same money into BX. but because ORCL spiked up around May 29, it hit my limit orders of 208 and 219, so I sold my position. I thought it would spike before earnings, June10 and it spiked up to 225, so it met my plans. This is an experiment to see if I can turn 2600 into 4000 by August. This is in a separate account where trades are not taxed, called an IRA, individual retirement account. But I accidentally sold First-in-first-out, so technically I still have that 2600 same position in ORCL. The 2600 I sold was ORCL I bought almost 5 years ago. I generally think ORCL is a company that only pays it employees, not investors, but just a hunch, until possibly recently. I like Databases, they are always the kings in any software meeting room, In my opinion, but ORCL is not a money maker like other stocks in software server spaces and they have a lot of debt. I think they will have a few more dip downs to encourage buying, raising money for ORCL.
I switched my OnePay credit card rounds up from UMC to NXE stock.
I haven't bought new shoes yet, because my Nike.com gift card only works in USA, so I might consider Asics and/or Nike.
Started walking around to see properties from the outside.
went to gym 12 times
went to TaiChi FalunGong 4 times
I painted using Krita and HUION tablet about 20 times
For some reason, the same day I opened my paper mail to get my Driver license, two different bus trips, two different bus drivers called me back saying my bus tap payment card didn't read, even though the tapper was green and I had been using the bus for 3 months without a bus driver calling about the tapper, after I had already started walking to a seat. Very strange coincidence.
I completed 8 Simplified Chinese lessons
I cleaned the kitchen and oven
I studied software chip making companies with Gemini and made these groupings
I'm a bit concerned about physical AI making stocks go even higher. I'm concerned because it is like buying DELL, INTC, and MU at a peak. And I bought metals at their peaks (late January), or just before peaking in middle of January and those gains have reduced.
I'm considering grouping a bulk money, in and out of trades, more, instead of buying and holding for a year. Currently I just sell a few and buy 1 or 2 or something else.
META - I thought it would keep climbing into 1000 and then split, but it's stayed at 600 for past year.
GOOG, AAPL, TSLA, seem better than MSFT, META.
Nuclear might be farther off than I speculate
I made 2 new Balance Transfers BT to some existing credit cards that had 0 interest promotions.
I've started to contemplate being halfway through 2026
MyPayr.co.uk seems successful for paying rent to earn AA airline miles or delay cash flow 30 days. It does not charge "cash advance" fees and it's very fast within a day the payment arrives. It's great. First test payment of 50.00 GBP is a "purchase" on my MASTERCARD statement. Waiting for next statement to confirm the larger amount. And just switch to MyPayr to a VISA for June.
I bought Twinings tea
I cooked hamburgers served with Branston Piccalilli for a relish-like topping. It appears it's not fermented, which I try and get some fermented foods in.
I bought Kefir for health and smoked salmon
I started using Revolut, but it appears, to get 3% interest, I have to move the money to a "savings" type of Revolut account.
I have started studying for a UK driver license, theory test.
Stock picks - I have low limit orders for these
Software server utility
CEG
Software chip making - I need to buy at least one
INTC
AVGO
DY
MU
TSM
SSNLF
TSLA
Nuclear
NEE
UUUU
NXE
Bitcoin related
WULF
Other, mining, land
HOOD
FSM
TPL - it went high then went down, I may buy 1 or 2 more
FABC
KOPN
PL - a stock that keeps growing steadily, even though it has negative operating margins, per StockAnalysis.com.
May 31, 2026. Total unrealized Gains == 42800 - 2233 == 40567
total Debt == 28480
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This month was about saving and not going out much
I spent a lot of time identifying my stocks into these categories: the Hyperscalers, software chip makers, Internet cabling/optical, Nuclear related to data centers, physical Ai/driving/warehouse, edge computing leaders, model evaluation and software monitoring/digital twin stocks, utility grid/land and metals related to data centers and then bitcoin data centers, and quantum computing. Using Google Gemeni Ai.
StockAnalysis.com, Statistics
StockAnalysis.com, click Financials, Balance sheet
For example, ORCL is still in debt.
For example, INTC is still in debt.
For example, MU just got out of debt in 2026, after 5 years in debt.
I'm trying to make more profits
I sold about 5 METAs in ROTH/IRA accounts. I thought META was going to split in 2025/2026. I thought META was going to be the ultimate entrepreneur tool, meetup.com-like, travel assistance/validation, photo storage company.
I bought great shoes, Nike Vomero 18, really happy with them
I saw 2 property viewings with an agent, one had consistent damp through one side both floors.
I saw a property get auctions for perhaps 62000, 3 bdrm end terrace freehold in NE6 Newcastle.
I tried buying FSM for a quick gain, failed.
I went to gym per plan, 13 times, 11 hours total. I started walking to gym.
I stretched a lot and can now touch just past my toes.
I used Meetup.com a lot for fun, networking and language.
I started an animated gif Xara project using my 100 days gesture drawing challenge.
Plans
Buy TSLA 370 and sell at 430 before next TSLA earnings July 22? then buy Micron MU, MRVL, TPL at 840, 220 and 370 sometimes before Aug 15.
I may have just missed Tesla on June 29 decline in price to buy opportunity, because my limit order was 340, but I got the lucky idea right.
Keep watching ORCL for July 10 ex-dividend price decline opportunity to buy.
I'm watching BX still, but I generally don't like banks. I consider them a bank. MPLX might be a better dividend.
I still think, a lot of people selling Metals, gold, the past few months, made the price go higher and even higher in Jan-Feb 2026 because of some hunch. Like if there is popular trend in the market somehow, for a short period, the market likes to punish sellers who sell on hype or some swarm of sells complete. But I think this swarm for selling Metal was bigger than I thought. I expected Metals to stay high, because of all the precious metals used in chips, satellites, batteries, and utility generation coatings. But that theory only made sense till April. Metals seem to be really correcting in slow price declines to encourage more buying. Or the price run-up was caused by something else. Can a price run up be caused by hype? However, I think metals will not decline further from after July. Because that price surge must have had a reason, to show stock investors that Metals can get "back" to that high.
Try to buy and sell with the same 4000 dollars in IRA account.
Try to buy DDOG on some crazy time if price sinks to 190.00
Keep using StockAnalysis.com to grade stocks by Gross/Operating/Profit Margins.
For example MU has 72, 65 and 55 margins. For every 1 spent, MU makes 0.55 cents.
June 30, 2026. Total unrealized Gains == 35031 - 3871 == 31160
total Debt == 23131
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July 2026
Credit rant: Credit cards and the website need the plain language and better labeling. every card should clearly says it's name. And names should not be vague like "unlimited cash rewards VISA signature." Unlimited cash rewards just creates anxiety and is a property of the cc. And what is Signature have to do with anything? The name should be better and really tie into these mechanisms: https://www.citizensadvice.org.uk/about-us/information/staircase/ like a credit card should be part of a little 'family' connected to 2 or 4 other cards. one is the ground card. 2nd card is your first balance transfer card with 0%, waiting to capture any debt you desire to manage for a year. The 2nd step is the 2nd card. 3rd step is some international card with all kinds of rental car insurance and 0 foreign fees. And each of these card families exist. And the properties of a card on the website are always there, foreign fees. Opened date, APR, credit limit. 0% promotion expiry. And no "cashback" rewards webpages with tons of thumbnails for stores I never use. And no more separating into months. just one 1 year of spend, payment dates, monthly payback dates. billing cycle date, I get it, but the Card-Family should only specify statement closing dates that map to longer term things. Like the whole point of a 3 Card-family-step is to finish it well. Dates along the way help, but really, the card website should always map to some 1 or 3 year plan, how much runway each card has, or how full a card is. And then all the card data could be connected, like exporting bookmarks of a browser, to some income strategy, to stocks. And there needs to be simpler website "claims", to use Quidco, Rakuten, Lolli iHerb, (After purchase, who remember before?) when making online orders, because I forgot 3 times to use Quidco,rakuten and Lolli this month, missed 5% cashback. Maybe the names should be BofA VISA year 2026-2027 $8000 limit, daily spender, 16 monther-minimum payments till July 01, 2027 finish-line pay off. That automatically links to Rakuten, Quidco, Lolli. Barclays year 2026-2027 10000 limit rental payments to MyPayr BA air miles that has NO finish line pay off monthly. Lloyds ISA long term 2030 grow ISA from 6000 to 10000 by 2030 finish-line with auto-limit orders. Literally a giant long name. One-time-big-tax-payment Nationwide credit card finish line 2027. Walmart's OnePay is pretty much acting like a real tool, instead of a bunch of website widget that just have 50 links little section of the website. Literally, credit websites have 500 links on every section of page. Maybe one website block should be, all the card properties with several one-liners in a list. And get duplicate "points" to also be in plain cash or cents units. It's very hard to find on a website if a card has 0% foreign fees. "foreign fee" search, "We couldn't find anything related to your search." And I've never ever used the word "Concierge" regarding Card benefits. And every credit card website is entirely different. And "statement closing dates" sometimes change. March it'll be the 18th. April the 17th, then 2 months in a row it'll be the 16th. IF I'm trying to pay off IRS.gov spread around, relying on the 16th closing date per "most recent statement", I risk the change of putting 2 1000 irs.gov payments on the same cycle month. Credit cards are tools, not bank accounts or website game clicking on thumbnails of beaches. But credit cards have gotten better with these Payment plan features and website reliability. End Credit Card rant. Every Credit card should have a website section, that outputs a little JSON file, showing all properties in a txt copy paste format. Then I can manage tools, credit-cards-tools, like the Voltron of credit cards. scroll them all in one text file. This should also save session duration, throughput, server time and call center time.
I exercised my financial muscle, like Rich Dad & Poor Dad mentions.
But is categorizing data center stocks and speculating more of the same
picks exercising financial muscle? I think so, if the goal is income. Or
is learning how to make choices that lead to assets, networks and
people skills. Learning to speak better, learning to think better. Or simple math intuition: scope stock picks to about 60, put all 60 into a Yahoo portfolio for qty 1 and put July 29 2025 in the name of yahoo portfolio. Then, pick a top 3, and pick another top 7 stocks. Set limits orders to buy low, or buy in chunks and cycle in and out. Then, also, keep looking at the magnificent 7. And each month pick a butterfly or 'trade' plan. Butterfly means, pick 4 stocks, your 2 most important favorites. Check stockAnalysis.com for gross/operating/profit margins must be above 9%, or can be explained why they are not making profit. And buy as much as you can in stock1, and set an expected price target, to sell, then trade and use those same funds to buy stock2, the right wing of butterfly. And stock3 and stock4 are the smaller left and right butterfly wings, for what you "should have done" picks, or 3rd and 4th guess, or your long and steady repeat buys. The mind and thoughts are most important, according to
Rich Dad.
Butterfly example 1
INTC - buy it sometime at low in July at 98 and sell it at high in July, at 108. INTC is the big left wing, starting point. It's also forcing you to, can you buy and sell within a month. Then 'trade' into ORCL buy buying ORCL at anytime in the future. But if you picked ORCL as your stock2, there's probably a reason and is good to buy within this near timeframe, just like INTC, but ORCL within the next 8 weeks or right after selling INTC. Then let butterfly fly long term, based on the right wing.
MPLX and AMZN are the stock3 and stock4, small left right butterfly wings. Either decide to buy ORCL, or buy the ongoing harvesting strategy of AMZN if it's at a low for the year. You might put AMZN on all of your butterflies at stock4, for the year, or each month when you make a new butterfly. MPLX is stable 'guess', for good dividend, in case you just have no 'sense' for AMZN, ORCL or INTC working out this month. Then these butterflies should help gains, get familiar with major stock stalls, by creating and considering a butterfly every month, and help beat mutual funds investing. And guarantee you won't ignore your stock money for 3 years in a row, which can happen at various times in life, age 25 or 48 or 74.
I went to a local gym and pool, but the reception is busy with checkins to explain what it really costs and what times you
can swim. I took photos of their laminated poster, but still don't
understand what "swim for fitness" and what the blocks mean on the weekly diagram, for
designated times, and options for just swimming, or combining the gym cost.
BetterHelp website very confusing, from a Business Analysis user
stakeholder point of view.
I completed a 2 hour driving lesson and have more to do.
I used Krita to draw using reference of photos or improv line sketches.
I went to the gym 3x per week.
I
tried buying a bunch of INTC Intel stock, and it almost worked, but I
ended up losing about 300. If I waited a day or 2 I could have sold at
104 instead of 99 using pre-earnings call speculation that stock would
rise one more time before July 23.
I didn't really buy anything, except let several limit orders buy 1 of various stocks I've been watching in retirement accounts. Selling META, WMT.
My direct stock current account I only bought a few NXE and NVDA of 1 qty under 200.
I
also verified that AMZN Amazon stock had almost no gains from 2021 till
2024. This was a giant mistake in my ROTH retirement account. Also,
currently Oracle ORCL stock price is almost what is was 5 years ago.
This is exactly why I prefer direct stocks rather than mutual funds. I
can actually know what stalls the investing gains and apply this 1.5 to 3
year metric to specific major stocks.
I give myself some credit for selling some stocks during this May and June stock price peak.
I give myself a minus for not noticing the data center stocks and chip making stocks earlier.
I worked on some Ai business prototype for side money, involving Chinese character reading and 'stoozing.'
I read some blogs about people's travel
I checked meetup and OddFellow for activities
I started more home based leg exercises
I bought a used Ninja Air fryer dual pressure cooker
I walked by 2 properties
I backed up photos.
I can pretty much confirm, after age 48 or so, maybe even earlier not drinking milk or reducing milk and cheese helps take better No 2. less IBS, less gluten allergy related issues. After 4 months like this. Or possibly just add magnesium supplement.
This month was like June, reducing daily spending. Less bus taking.
Overall,
this month was quite time consuming in regards to finances. There were a
lot of earnings releases by stocks I own or want to buy. My stock
strategy for quick gains using INTC didn't pan out, lost about 600, and I
delayed paying off USA taxes this month, each month I like to pay 1000.
All my metal stocks are down and a few data center stocks are not
keeping their climbs in price. I "had" to watch a several of my stocks,
for selling, because cash was low. Also because I think I need better
stocks. But I knew my cash was getting low and planned for summer stocks
to reach "summer" lows. I didn't really get to take advantage of those
lows that occurred in late July, but I did buy and sell more in my long
term retirement accounts, Roth IRA, to make it more software data center
chip oriented. In August, I need to repeat. Pick 1 or 2 stocks to make
gains, using the same 3000 in the retirement accounts.
I really
should have planned to withdraw early my Traditional IRA over 2 adjacent
years. So I can manage it myself. But I should have done half of it in
2024 and then rest in 2025. I did 2 withdrawals, timing the
stocks/funds, but all in the same 2025 year.
I spent some time
making charts with META Ai to see if visuals actually help 'sell' the
benefit of stoozing, or living off credit cards runway business model.
iHerb vitamin purchases
Weight Gain - I want to reduce cooking, eat whatever for a while and chemistry and logistics is at zenith.
Multi vitamin - VitC, VitE, VitB particularly.
Iron - I was told waaay back as a child, a little anemic
Magnesium Glycinate - better stools
Ashwagandha, just a guess, it was cheap and I definitely believe in natural things. I can almost guarantee eating shrimp is a natural aphrodisiac, libido enhancer and sexual stimulant, that usually just senses the next day.
Glucosamine, Chondroitin, MSM plus Hyaluronic Acid - knee health,
https://www.youtube.com/@epmanualphysicaltherapy
Quercetin - knee health
Omega-3 Premium Fish Oil - knee health
Spirulina - knee health
total Debt == 23309
This is not financial advice, just my personal research, opinions and reports to see if my strategy is understandable and get to know my own picks and data better. This post took about 5 hours to make.
Below is example prototype of stoozing, runway concept, using free MetaAi to make python script that generates a graph.
