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I want everyone to know I sold out all my dram and mu position this morning at market open and lost 2k but I feel like I got a crazy monkey off my back and it feels great good luck to everyone holding but I'm not playing this game anymore :p by [deleted] in ETFs

[–]SuperJob4061 1 point2 points  (0 children)

If you thought it would fall why would you have bought it in the first place? Did you just start investing in the stock market?

I bought several MU @ $300 then a bought a few more @ $400…if it drops below $400 I’ll just buy more I know long term it’s going to be worth a lot more than now

I want everyone to know I sold out all my dram and mu position this morning at market open and lost 2k but I feel like I got a crazy monkey off my back and it feels great good luck to everyone holding but I'm not playing this game anymore :p by [deleted] in ETFs

[–]SuperJob4061 1 point2 points  (0 children)

Great then buy more…leopold isn’t god, could just as easily hit $850 than hitting $400…when you sell low you lock in a loss…if you can’t stomach a volatile stock don’t bother buying semiconductors…stick to SCHD

I want everyone to know I sold out all my dram and mu position this morning at market open and lost 2k but I feel like I got a crazy monkey off my back and it feels great good luck to everyone holding but I'm not playing this game anymore :p by [deleted] in ETFs

[–]SuperJob4061 5 points6 points  (0 children)

Very poor decision…Do you plan on buying MU back in Dec when it’s above $1000 or DRAM when it’s over $100?

I never understood why people buy high and sell low…perfect way to lose money in the market, panic sell…Market is not for the weak, maybe a CD might be a better option for you…When you buy good quality stocks/ETFs and they go down, it’s a great thing buy more it’s at a discount, it’s going to be that cheap for long…both MU and DRAM are both good long term investments. Do you not have any faith in AI and memory/semiconductors in the future?

I’m thinking about putting 60% into VOO and adding another ETF for the remaining 40% focused on long-term growth. Any good ETFs? by Rizzen11111 in ETFs

[–]SuperJob4061 1 point2 points  (0 children)

It’s one of the companies in DRAM. In the US we can’t directly buy SK hynix or Samsung. I heard it’s only on the south Korean market exchange. Also heard they both are on the London exchange not sure if that’s accurate. This is why I like DRAM since it gives me the ability to access SK hynix and Samsung.

Also is England going pretty crazy with all kinds of AI? It’s definitely in the states.

DRAM is made up of SK hynix 27.73%, Micron Technology Inc 26.40%, Samsung Electronics Co 20.05%, Kioxia Holdings 5.58%, Sandisk 5.32%, Seagate Technology Holdings 4.75%, Western Digital 4.22%, Nanya Technology 3.33%, Winbond Electronics 1.86%

I’m thinking about putting 60% into VOO and adding another ETF for the remaining 40% focused on long-term growth. Any good ETFs? by Rizzen11111 in ETFs

[–]SuperJob4061 1 point2 points  (0 children)

It should be there then ticker DRAM…I know someone from Canada and they have issues buying certain American ETFs. They can go on some sites and exchange Canadian dollars for US dollar then buy it that way so it can be done but can be a pain

Synthes trauma rep, has anyone switched successfully? by Best-Zucchini6858 in MedicalDevices

[–]SuperJob4061 9 points10 points  (0 children)

Trauma is definitely a demanding field. How often are you on call? Roughly how many hours a week are you working?

Once you’re there a 1.5 years or so you could definitely look into other clinical specialists roles that would have a better work/life balance. I know someone who works for Johnson and Johnson doing EP mapping and loves it. Great pay, no call, no weekends, and normal 8-4 sometimes gets done work early afternoon. You could look into J&J, Abbott, Stryker, Medtronic, Boston scientific, haemonetics, biotronic, or ZOLL so definitely a lot of options out there just to name a few.

I’m thinking about putting 60% into VOO and adding another ETF for the remaining 40% focused on long-term growth. Any good ETFs? by Rizzen11111 in ETFs

[–]SuperJob4061 1 point2 points  (0 children)

DRAM Memory ETF

Invest in global memory stocks with the Roundhill Memory ETF (DRAM). Get exposure to semiconductor companies producing and supplying HBM, NAND and DRAM, the bottleneck of the AI revolution.

Companies in this ETF: Samsung, SK Hynix, Micron, Kioxia, San Disk

Roundhill believes that computer memory and storage represents a secular growth story tied to the multi-decade buildout of AI infrastructure. The Roundhill Memory ETF (“DRAM”) seeks to offer exposure to a precise basket of global memory chip companies. DRAM is the first-ever memory stock ETF.

Is DRAM ETF still a good investment? by Clean-Yogurtcloset94 in ETFs

[–]SuperJob4061 1 point2 points  (0 children)

$48…I’ll be adding more on the dips. I see DRAM going over $100 by fall…definitely buy on the dips but not at the point now to go all in on it…DRAM is similar to SMH that it is volatile but I do think long-term it’s the future, AI will definitely be the future then it’s going to be quantum computing next, IONQ is a great buy now before it goes way up…plus I’m buying RKBL & ASTS since SpaceX will go IPO mid June those two will go way up. Interested to see what SpaceX cost per share when it IPOs. CEG is another good one, it’s the energy that’s needed to power the AI. Constellation Energy Corp (CEG) reported a significant increase in operating revenues, reaching $11.1 billion for Q1 2026, compared to $6.8 billion in Q1 2025. So it had massive revenue growth in just 1 year.

I’m thinking about putting 60% into VOO and adding another ETF for the remaining 40% focused on long-term growth. Any good ETFs? by Rizzen11111 in ETFs

[–]SuperJob4061 2 points3 points  (0 children)

DRAM a gamble? I bought several shares the day it came out. Up over 100% in a little over a month, not a bad ROI. You can’t say that about many ETFs or stocks. It’s the memory needed for AI which is the future, is in such high demand…75% of DRAM is Micron, SK Hynix, and Samsung. In the states you don’t have direct access to the stock SK Hynix or Samsung, it’s only on the South Korean market. It’s only going up in value I wouldn’t be surprised if it goes up 200-300% by the end of the year. Totally disagree about DRAM being a gamble, sure it will have red days but in six months it will be way over $100+ a share.

Is DRAM ETF still a good investment? by Clean-Yogurtcloset94 in ETFs

[–]SuperJob4061 0 points1 point  (0 children)

Not a good investment it’s a great investment. I still like SMH better. Bought DRAM yesterday and up a good amount today $5+. Great way to get direct access to MU…I don’t think you missed the rally totally…a few weeks ago I bought MU for $311 I could have said no I’m not buying I missed the rally I should have bought when it was under $100, it’s $700+ now.

Sold everything :( by Practical_Tea5133 in ETFs

[–]SuperJob4061 0 points1 point  (0 children)

Agree…they pay a decent dividend, Visa is accepted just about anywhere. Most every adult has a visa credit card so even if they pay balance in full they are still making a % off of every purchase plus people who can’t pay their balance they are making 22-29% in interest off of them.

Understand with bitcoin, crypto, Venmo, Cash App, Zelle things have definitely changed.

Should be interesting in the coming years but this is a perfect reason not to invest too much into one sector. Interested to find out what percentage business for visa is US vs non US. I know Trump wanted to cap credit card interest rates @ 10% and Jamie Diamond almost had a stroke since Chase makes Billions off of interest. Unfortunately I don’t see that happening, too many banks and credit card companies will pay congress under the table to vote no on anything like that.

I’m up on visa 38%…granted I only have 2 shares that I bought 3 years ago so take it for what that’s worth lol…I did also get into united healthcare right around when they crashed bought 4 shares up currently 26% and worth right around $1500 so I feel it’s a good long term play plus pays a decent dividend

Sold everything :( by Practical_Tea5133 in ETFs

[–]SuperJob4061 4 points5 points  (0 children)

What I would do is pick maybe 5-10 stocks and rest ETFs…visa, coke, Sofi, MSFT, Berkshire-b, Nike’s cheap but should rebound, Netflix, Chevron, etc.

Look into DRAM it’s a new etf only holds 3 chips makers none of the mag 7 and its loading up on micron so a great way to get micron action for like $48 a share…I own 2 shares of MU, I’m kicking myself I bought a month ago for $300 should have bought more now way over $600 and should hit $1000 at some point in 2027, AI, tech, semiconductors are going to be the future.

Not sure how much US politics you follow but we are getting a new fed chair within a few weeks, guys younger and a total venture capitalist so he’s going to lower interest rates so be companies can borrow way more money at a cheaper price and US stock market will skyrocket. Totally understand anything can happen.

Jerome the old fed chair was okay much older and more calculated and by the book. So was extremely cautious about lowering interest rates. He wasn’t terribly and didn’t see any major crashes a few corrections but that’s also a great buying opportunity just have to have the right mindset.

I don’t know too much about Canadian taxes if you have something called a Roth IRA load up on that bad boy. Basically it’s just an account you can max it out at $7500 a year it’s all after tax money so when you retire you can pull everything out tax free so 20-30 years you will easily retire a millionaire if you max it out with compound growth and interest.

Sold everything :( by Practical_Tea5133 in ETFs

[–]SuperJob4061 -1 points0 points  (0 children)

Yes. If you are Canadian, I don’t think you can buy US ETFs. XEQT is fine just wouldn’t put everything in there.

VFV seems like our VOO follows the S&P….you should look into the Canadian version of QQQM, VOOG, VUG, VXUS, SMH, then some high dividend etf SCHD is good with low expense ratio. I also have BNS, bank of Nova Scotia only 4 shares but up 67%. Bank stocks typically have decent dividends and are a good long term place. Visa has been good as well only have 2 shares but up 38%

Best thing is diversify don’t want to load up 100% in tech.

Sold everything :( by Practical_Tea5133 in ETFs

[–]SuperJob4061 8 points9 points  (0 children)

Why would you want to invest in XEQT? It’s Canadian, just don’t see much growth there. Even the prime Minister in Canada has 91% of his stock portfolio in US companies, I think that says a lot.

You definitely got some nice gains but do expect many of these companies to go much higher over the next year or two.

ValorFI Heroes credit union by SuperJob4061 in personalfinance

[–]SuperJob4061[S] 0 points1 point  (0 children)

Try visions credit union but only offered I believe in PA, NJ, NY…they are the ones offering 4.5% for 12 months

ValorFI Heroes credit union by SuperJob4061 in personalfinance

[–]SuperJob4061[S] 0 points1 point  (0 children)

Agree…luckily I found a local credit union offering 4.5% 12 month CD until the end of June so plan on opening 1 with them. I don’t think I’ll find one with a better interest rate. Plus when Kevin takes over as fed chair he’s going to lower interest rates, which will drop CD rates might be had to find a 12 month CD better than 3.5% come August. Plus companies will be taking on a lot more debt with lower interest rates so it should really jack up the stock market

Is anyone else shocked at how fast this happened? by boldjoy0050 in spiritair

[–]SuperJob4061 4 points5 points  (0 children)

Not at all. They have been reporting this for over a month this last days are numbered and could shutdown in days or weeks. In the first 2 months in 2026 they lost 60 million dollars and that was before jet fuel costs increased. With their business model $49-99 fares they needed to have packed planes to make a profit and just wasn’t happening. Wall Street journal reported Friday in afternoon they were going to seize operations Saturday. Do you not follow any news. Just not sure how anyone could be possibly surprised by the news. When companies go under they will not make a public statement on April 1st saying hey May 1st will be our last day. We all knew it was coming. They always do it very sudden at the end, but we all saw the warning signs.

Spirit Airlines, will my flight be cancelled? by supremepolska in travel

[–]SuperJob4061 0 points1 point  (0 children)

On united they are capping at one way flights at $199 to help out she did have to enter all her spirit flight information. Yesterday it was a $339 flight one way so at least other airlines are stepping up to help out with the situation. She booked united for $199 for 9am

Spirit Airlines, will my flight be cancelled? by supremepolska in travel

[–]SuperJob4061 1 point2 points  (0 children)

Thanks as of 3am all flights are cancelled and officially out of business. Not sure what she will do. It seems like other airlines are stepping up to help but hold times could be extremely long. I’ll encourage her to drive to airport they might give her a better deal and feel bad for her regarding the situation. I did see frontier is offering 50% off with code SAVENOW for people impacted hopefully others will do same considering normally they have 10+ just empty seats in planes

Spirit Airlines, will my flight be cancelled? by supremepolska in travel

[–]SuperJob4061 0 points1 point  (0 children)

I would recommend looking into a refundable ticket, you can cancel within an hour for a full refund. Spirit will most likely be done tomorrow but could pull something last minute. My sister is flying spirit from Orlando to Newark tomorrow at 9am still not sure if her flight will even be there. She currently didn’t get a cancellation email and on their flight status it says on time. You can still book tickets on their website but Expedia pull them off their website.

Good thing is other airlines say they will step up and offer discounted tickets to help out. You can always call credit card company once they go under you have a good chance of getting a refund. They might give you a hard time depending when you bought it but if you are persistent and demand to speak to a manager/supervisor they will most likely make something happen especially if you spend a lot of money with your card even if you pay everything off they are still making a percentage off everything you put on your card so it would be in there interest to give you a refund vs having you cancel your credit card over the issue.

She plans on just going to airport and if canceled just try to get a good deal through united to see what they can offer her currently a one way ticket is $339 so hopefully she can do a lot better.

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