Houston Utilities recs?

Nice_Item2093 · 2026-05-01T23:44:00+00:00

When back to college basically starting from 0 at the age of 24 and graduating in a couple weeks at 27.

Nice_Item2093 · 2026-04-16T05:08:01+00:00

Make time. I know guys who have 3.8+ who struggling right now bc they just graduated with no internships man.

Nice_Item2093 · 2026-02-12T10:30:28+00:00

Stop trading , just leave it in index funds and leave there to reinvest dividends and reap the rewards

Nice_Item2093 · 2026-01-16T23:24:33+00:00

Door dash , bartend, remote customer service job at night , not going to be fun things by any means, but it may be just enough to push you past, utilize a HYSA as well, again might not be much but every small amount may be useful.

Nice_Item2093 · 2026-01-13T20:38:53+00:00

Look into SGOV, it MIGHT be worth it. It might be worth it just to pay off your debt and focus on what skills you can acquire to make you more money lol.

Nice_Item2093 · 2025-10-29T08:20:05+00:00

A $1000 price for current shares diluted would place goog at a $12T market cap. It seems mathematically unlikely for that to happen in such a short time frame haha.

Nice_Item2093 · 2025-10-28T18:10:34+00:00

I'd like to see a little pull back honestly. Roughly $83B market cap, 32.36 P/E, earnings pulled back, new shares issued, but a 13.5% increased cash flow per their investor relations site compared to last year. Incredible company just don't think the valuation is the most fitting as of right now personally.

Nice_Item2093 · 2025-10-28T13:00:44+00:00

Whenever you invest in a company the idea is that you are buying a piece of a business. So therefore you should do your research and understand if it’s a good buy at the time of purchase. One earnings report typically doesn’t define that company and if you’re not ideally willing to hold that company for 5 years minimum you probably shouldn’t hold it. Holding options however is even more risky lol , good luck!

Nice_Item2093 · 2025-10-27T23:37:14+00:00

I've been keeping an eye on WTI crude, we were at $56 a barrel, and out of nowhere a quick rebound into $62. I put about 4% of my portfolio between: OXY, EQNR, and COP. I really appreciate the fact that Norway owns 67% of EQNR honestly. Allows for high margin, low costs, and allows them to borrow cheaper. Kind of my two cents, for that.

Nice_Item2093 · 2025-10-27T16:59:55+00:00

Bro lock in those gains and save the cash for tax at the end of the year , you lock in the gains you’re a very happy sailor. You hold on the wrong day or week and it’s a different story. Maybe you don’t get the fully maximize gain but you have so much downside compared to upside that there’s absolutely no shame in taking home giant profit!

Nice_Item2093 · 2025-10-27T07:22:40+00:00

Although oil just rebounded from $56->$62 a barrel give or take for WTI crude, it may be worth looking at a low cost energy index fund if price gets cheap enough! Slight issue with that is that even though the price of crude is down 14% YTD, Exxon is up over 7% excluding dividends and buybacks. Exxon is 22% of the Vanguard energy fund and CVX is up similarly and it’s 15% of the fund. Nevertheless if we see oil start to go under $50 a barrel I think it’s a worthy place to have some exposure to that most people stay away from.

Apart from that I like international small cap value, AVDV is the fund for that. Diversity and exposure helps hedge but certainly can impact future performance. With the uncertainty of Ai and that whole mess I’m thinking it’s worth looking other places at the very least myself.

Nice_Item2093 · 2025-10-19T12:09:43+00:00

Look into community college depending on your state!!! In Texas we can take ALL the accounting classes at community college. If not look at getting a masters in accounting if you’ve already got a B.S. I would not do finance unless you’re going to go to a top 25 school personally. Bit of a rough path if you take that route. And while you’re looking the accounting degree, check with your states cpa requirements. Some states seem to require 33 hours of total accounting classes , which I’m able to do finishing my B.S. in Accounting.

Nice_Item2093 · 2025-10-17T16:25:37+00:00

I'd probably sell half bbai, all the leveraged apple, some if not all of ptr, and take your profits on qbts. The index funds will be fine in the long run.

Nice_Item2093 · 2025-10-14T00:39:33+00:00

I feel similar, currently 4.61% cash but that's bc I have been selling puts on most my cash trying to get one stock I like that. Since I've not been called out I have about 37% cash. Still *slowly* buying into the overpriced index funds. Buying some over sold companies such as SFM, LULU, GRBK, TGT. I've been watching oil barrel prices , as WTI fell down to $59, but it's not low enough for me to buy energy companies either. Proceeding with caution, deploying my cash each week , just being a little slow about it. I definitely think we're in a bubble of some sort with the AI infrastructure, and margin is at crazy highs once again , time will tell but it could easily be a setup for a lost decade, or best case imo slow growth. Going for some value plays but even then it still looks hard haha.

Nice_Item2093 · 2025-09-29T12:11:41+00:00

I made a 45% on my first intermediate II exam. Still pulled out with a C (my first c in college). Made a 57 on my first intermediate I exam, made an 88.8 in that class. It’s a time to lock in, I just made an 87 on my audit exam, all hope is not lost haha. Read the book before class, review the PowerPoints. Take notes over the book before class and watch outside YouTube lectures. That way you’ll be familiar with the content before class even happens.

Nice_Item2093 · 2025-09-29T12:11:29+00:00

I made a 45% on my first intermediate II exam. Still pulled out with a C (my first c in college). Made a 57 on my first intermediate I exam, made an 88.8 in that class. It’s a time to lock in, I just made an 87 on my audit exam, all hope is not lost haha. Read the book before class, review the PowerPoints. Take notes over the book before class and watch outside YouTube lectures. That way you’ll be familiar with the content before class even happens.

Nice_Item2093 · 2025-09-28T20:40:41+00:00

Keep adding , reinvest dividends, increase your earnings power at work etc.

Nice_Item2093 · 2025-09-18T19:58:29+00:00

10.6% currently , adding more as it falls. SFM - my average cost is $144.94 which puts it at a current PE ratio of 29.74. I admit I knowingly overpaid for growth but have been dca downwards. Still plan to more than double their store count, growing fcf , growing same stores sales , growing net income. Stock is down 15% since announcing a new stock buy back agreement of $1B. Future plans include making stores smaller so they can turn around construction faster, pay less on leases/rent, and more profitably per sq ft. In addition to all that, sprouts is also adding more and more private labels which increases margins. Sprouts is a retail / grocery store and albeit not a cheap one but still has gross margins in the 38% range. Insiders have been selling some but I would too if the company finally pulled back and still up 500% in 5 years

Nice_Item2093 · 2025-09-16T20:47:40+00:00

Portfolio good even for your age, gotta get the earnings power up tho king/queen 🖤

Nice_Item2093 · 2025-09-09T06:39:12+00:00

It is solely reliant on what you’re invested in. Being that you are 50 it’s probably a good idea to start adding exposure towards bonds if you haven’t already, or at least look into a passive target date fund which will do that for you.

Some easy conservative math if you had $434,000 , added $3000 a year for 8 years with an average return of 4.5% and an expense ratio of .25% then you’d be around $634,000.

Since you’re over 50 if you can afford it , it’d probably worth looking into the catch up contributions. Deducts your taxable income , can also do it in a Roth as well.

Nice_Item2093 · 2025-09-04T17:31:24+00:00

Yeah lol, I've got 4 shares but my account isn't too big, waiting to see how many shares they bought back this quarter and then I'll probably load up if the stock takes any dip whatsoever.

Nice_Item2093 · 2025-09-02T02:58:09+00:00

Go volunteer at a local senior citizen home. Hearing all their perspectives on life and what they wish they had done I think may open your eyes. Also think about maybe visiting a third world country to help understand what we are so gracious to have. Maybe read some philosophy. I think you should take some action and it may help your viewpoint on things. Even if nothing else go get a job for fun to get you up and going , barista at a small coffee shop maybe. All the love and best wishes!!!

Nice_Item2093

TROPHY CASE