25% uses Buy Now Pay Later (BNPL) to pay for groceries. Without an income increase, they are unlikely to pay back.  What happens after they max out their BNPL credit?  Take now, pay never?  $Affirm Holdings, Inc.(AFRM)$  

My Investing Muse (01Dec25) Layoffs, Bankruptcy & Closure news AMAZON LAYOFFS HIT NEARLY 2,000 ENGINEERS - Amazon’s latest round of job cuts has reached deep into its technical ranks, eliminating nearly 2,000 engineering roles and signalling a sharper reset of the company’s ambitions in key growth areas. The reductions, which hit teams working on everything from Alexa to core retail systems, mark one of the most concentrated blows to Amazon’s engineering workforce since its broader downsizing began. - MSN Companies have announced more than 1.1 million layoffs so far this year, a 44% increase from the total number of layoffs in 2024, per YF Approximately 30% of all job postings are fake, per MorePerfectUnion 39,006 Americans got advance layoff warnings in October, the second-highest sin

News and my thoughts from the past week (01Dec25) CME just halted ALL futures trading because of a cooling failure at their data centre. Read that again… the entire derivatives market froze because a server room got too hot. This is the same market that moves trillions, sets global prices, and hedges entire economies. - X user Manpreet Kailon THE SNEAKER MARKET JUST COLLAPSED - AND NOBODY KNOWS WHY. A sneaker shop owner says the entire market “died overnight.” And the numbers are insane - X user HustleBitch 2026 Warning: Going back to 1926, the S&P 500 has seen an average drawdown of 18.2% in the 12 months before midterm elections. Going back 60 years, the smallest drawdown has been 7.4% while the largest was 41.8%. After the midterms, all is well, but before? - BarChart Retail investo

Market Outlook of S&P500 (01Dec25) Technical Analysis Overview MACD Indicator Following the recent bottom crossover, the Moving Average Convergence Divergence (MACD) indicator is now signalling an uptrend. This suggests a potential shift in momentum toward bullish sentiment as the indicator moves higher. Moving Averages The price action, as depicted by the candlesticks, is currently situated above both the 50-day and 200-day moving average (MA) lines. This positioning indicates a bullish trend in both the short-term and long-term outlooks. Furthermore, both the 50 MA and 200 MA lines are themselves trending upward, reinforcing the positive trend. Exponential Moving Averages (EMAs) The three Exponential Moving Averages (EMA) lines have recently converged and are now showing an upward tr

Earnings Calendar (01Dec25) I am monitoring the coming earnings from Asana, Salesforce, Kroger and CrowdStrike. Salesforce: Performance and Outlook Stock Performance and Analyst Sentiment Salesforce has experienced a notable decline in its stock price, falling 29.7% compared to a year ago. Technical analysis currently recommends a “strong sell”, while analyst sentiment remains positive with a “buy” recommendation. The analysts’ price target is set at $328.37, suggesting a potential upside of 42.43%. Revenue and Profit Growth The company’s revenue has grown substantially, starting at $6.6 billion in 2016 and reaching $37.8 billion in 2025. Over the past decade, Salesforce has maintained a robust median gross profit margin of 74.2% and a free cash flow (FCF) margin of 21%. Operating profit i

Economic Calendar: Key Market Movers (week of 01Dec25) 📰 Upcoming Economic Data and Market Highlights Here is a breakdown of the key economic releases and events scheduled for the coming week, sorted by relevant topic. Manufacturing Sector Indicators 🏭 The following Purchasing Managers’ Index (PMI) data will provide insight into the health of the global and domestic manufacturing sectors. A reading above 50.0 indicates expansion, while a reading below 50.0 indicates contraction. China Manufacturing PMI (November): Previous: 49.0 (Implied contraction). Significance: China’s data is a crucial barometer for global consumption trends, given its role as a major global producer. Chicago PMI (December): Previous: 43.8 (Indicated contraction in the Chicago manufacturing sector). S&P Global Man

BREAKING: President Trump says he will keep the stock market at all time highs and calls the market "hot" with a "big boost for 401(k)s." The S&P 500 rises to levels just 1.3% away from a new record high. This can be an important ceiling for us to monitor.  $Vanguard S&P 500 ETF(VOO)$   $SPDR S&P 500 ETF Trust(SPY)$  

From BarChart: Going back to 1926, the S&P 500 has seen an average drawdown of 18.2% in the 12 months before midterm elections 📉 Going back 60 years, the smallest drawdown has been 7.4% while the largest was 41.8% 🤯 Will history repeat itself again? $Vanguard S&P 500 ETF(VOO)$   $Cboe Volatility Index(VIX)$  

Blessed Thanksgiving to all tigers. Wishing you success and good health. 

AI will be the next big thing. AI investment - is something that we need to be more selective about. AI can be a great tool. If you wish to treat AI like an enemy, I have a suggestion: Keep your friends close and your enemies closer. Know yourself, Know your enemies. 100 battles and 100 victories. $Alibaba(BABA)$   $TENCENT(00700)$   $Tesla Motors(TSLA)$  

My Investing Muse (24Nov25) Layoffs, Bankruptcy & Closure news Popular crypto company files for Chapter 15 bankruptcy as Bitcoin crashes. The decentralised application (dApp) analytics platform, DappRadar, decided to wind down as running a large organisation has become “financially unsustainable” in the “current environment.” - Yahoo Finance On the jobs front. ATT laid off 30% of its workforce last week which is huge even by their standards. I’ve been watching for it to pop up in the news, but haven’t seen anything? 3M also laid off last week with more to come. Roche laid off 50% in some divisions. AbbVie as well. - X user Chey Cab Verizon says it will cut 13,000 jobs - X user Unusual Whales Tyson Foods is closing a major beef plant in Lexington, Nebraska with 3,200 employees in Januar

News and my thoughts from the past week (24Nov25) Investors are DUMPING Bitcoin funds at a RECORD pace: Bitcoin ETF $IBIT saw -$523 MILLION in net outflows on Tuesday, the highest EVER. In 5 days, investors withdrew over $1 BILLION from $IBIT. Over the last 3 weeks, crypto funds have seen $3.2 BILLION in net outflows. - X user Global Markets Investor Container import bookings into the US are down 16% YoY as retailers tighten up inventories - X user Craig Fuller Why are stocks falling? Because if you take the numbers in this chart seriously, the hyperscalers will hold at least $2.5 trillion in AI assets by the end of this decade. Assuming a depreciation rate of 20%, that would generate $500 billion in annual depreciation expense. This is more than their combined profits for 2025. - X user P

Market Outlook of S&P500 (24Nov25) Technical Indicators Overview MACD Trend Analysis The Moving Average Convergence Divergence (MACD) indicator is currently signalling a downtrend. This downward momentum suggests a potential weakening in the stock’s price movement and may indicate caution for traders monitoring short-term price action. Moving Averages The 50-day and 200-day moving averages are both trending upward, which is typically considered bullish for both short- and long-term perspectives. This uptrend points to a positive sentiment in the market. The most recent candlestick has closed below the 50-day moving average line. This increased volatility, a bearish signal for the short term. Exponential Moving Averages (EMA) On the daily chart, the three exponential moving averages (EM

Earnings Calendar (24Nov25) I am interested in the coming earnings of Zoom, NIO, Dell, John Deere and Alibaba. Let us take a look at Zoom. Stock Performance and Analyst Ratings Zoom’s stock price has declined by approximately 8.44% over the past year. According to technical analysis, the stock currently holds a “strong sell” rating. However, the overall analyst sentiment indicates a “buy” rating, with a projected price target of $93.04. This target suggests a potential upside of more than 18.33% from current levels. Revenue Growth In 2017, Zoom reported annual revenue of $61 million. By 2025, this figure had grown substantially to $4.6 billion, representing a 3.1% increase in revenue compared to 2024. Operating Performance Zoom began 2018 with an operating loss of $5 million. By 2025,

Economic Calendar: Key Market Movers (week of 24Nov25) There are no public holidays this week for China, Hong Kong and Singapore. America celebrates Thanksgiving on 27 November 2025. Here is wishing all an awesome Thanksgiving. Retail Sales and Consumer Confidence Both core retail sales and overall retail sales figures are scheduled to be announced. These results are significant as they provide a direct measure of American consumer spending, a major driver of economic growth. Additionally, the Conference Board (CB) Consumer Confidence Index for November is forecast at 93.3, down from 94.6 in the previous month. This decrease reflects a decline in consumer optimism regarding the market outlook. Inflation Indicators: PPI and Core PCE The Producer Price Index (PPI) is set for release with a f

Running out of Hopeium? Let us consider hedging. A major hedge fund exec once told me: “A bull market is when the market moves up on bad news.” “A bear market is when the market moves down on good news.” $SPDR S&P 500 ETF Trust(SPY)$   $Cboe Volatility Index(VIX)$  

NVIDIA Q3 FY26 (October quarter). • Revenue +62% Y/Y to $57B ($1.9B beat). • Operating margin 63% (+1pp Y/Y). • Non-GAAP EPS $1.30 ($0.04 beat). Q4 FY26 guidance: • Revenue $65B ($3.2B beat). Above is extracted from X user EconomyApp post.  According to Jensen, there is no AI bubble.  Let us consider that the challenge is not from Nvidia but from the AI ecosystem. What's the ROI for those who have adapted AI into their process? What are the bottlenecks in USA infrastructure?  $NVIDIA(NVDA)$  

Are you invested in any of these?  Not financial advice. Remember that OpenAI (ChatGPT) is not profitable yet.