They offer payouts via Paypal, Steam, Amazon, PSN, Gamestop, iTunes, XBL, and a bunch of restaurants.
You will start with 4000 coins for signing up, you can cash out with as little as 5000 coins. I will pay you 10% of all of your cashouts. So, this is not a one and done offer, I will continue to pay you as long as you remain active and play the games.
A few examples of how you will be paid:
You cash out at 4999 ($0.50 from them), I pay 5c
You cash out at 9898 ($1 from them), I pay 10c
You cash out at 24253 ($2.50 from them), I pay 25c
47065 ($5 from them), I pay 50c
93188 ($10 from them), I pay $1
138284 ($15 from them), I pay $1.50 and so on.
​
How do you earn coins? You play apps (ALL ARE FREE), and Luckyminer gives you coins for playing. (Leaving the game open and not actually playing doesn't get you coins). There are new apps every few days so you can play games similar to Clash, Words with Friends, Bingo, and Slots and earn cash while doing so.
**Simply downloading the app and signing up does not give me any bonus, you will not be paid for no work.**
Reminder: As long as you keep playing, I KEEP PAYING. I will PM you the link and you let me know your username and I will keep an eye on your earnings (you can request payment at any time, of course). Once I get a decent amount of actives, I will plan bonus awards.

I am 32/Canadian and had a very high paying career that had a short shelf life. During my high producing years I wanted to move out of Canada to another country where I could save as much as I could for my future because I knew my income would not last forever.
"Abroad" was a weird term form me. Despite being Canadian and having lived most of my adult years in Canada I felt like everywhere was abroad for me.
I was born in one of the poorest countries of Europe and lived there until I was 17 years old. The country has come a long way today but when I go back I never fit in. I definitely feel more connected with Canada than the country I was born in.
I think a big reason why I focused so hard on work was to never get back to the level of poverty I grew up as a child. Think of North Korea and Venezuela in one combo. In 1997 there was a complete lock down due to civil war and my family was lucky enough to survive because we had a vegetable garden and chickens. If you left your home you could be shot/robbed or worse be killed from stepping on a mine. The city was covered in them.
The other reason was that women got treated like second class citizens where I was born and my childhood was a living hell where I wasn't even allowed to walk on the street alone (even after they took out the mines), talk to members of the opposite sex or have any friends. Dating was not a concept and if they know you are "dating" you have to immediately get engaged and then married and have children or else you are a "whore".
I always had a bubbly personality when I was young, I liked to act, dance, and really liked learning. I was also interested in entrepreneurship and got a full scholarship at York University to study business but to my parents a woman is not suited for business and they pushed me to study molecular biology instead. I hated my University years. I battled depression and never really saw a future for myself with biology.
I ran away from home at 19 and asked my local university what help was there for someone like me that wanted to start a business. To my surprise they were very helpful and told me about grants and loans I could apply to get started. My first business was face painting and entertainment for children's birthday parties and events. I remember I got a $5000 loan and it seemed like so much money at the time. It helped me buy my first car and get started. I grew my business from just me to having 10 employees, having permanent booths in theme parks and festivals in Canada. It was hard work but I loved it. During the time I was still in university and most of my work was summeweekends so it worked out ok.
I remember I was growing more and more fed up with my studies and walked out of my last exam with a smile feeling absolute freedom. I never finished my degree and I was so ok with it even if I was one exam away from graduation. I didn't care about the crazy amounts of student loans I had accumulated. All I wanted was to grow my business and make money. It gave me that thrill that sitting in a lab using a microscope never did.
One day I became curious about online streaming and after having a few drinks with a friend I made an application on a popular site (at the time). The site was more like webcamming but you were allowed to do whatever you wanted on cam as long as there was no guys.
I didn't think much of it because I was doing well with my other business. At the time I had a rocky relationship with an ex bf and decided maybe going online and flirting with men would make me feel better about my break up. Then saw this email about the site I had previously applied had accepted my application.
I did my first stream completely clothed, having fun and chatting with people. I made $4.00 usd which was shit but I had so much fun doing it so I started researching the industry more. After a few more streams I decided this had a potential to be something big and I decided to make a business plan and focus on it entirely. I was constantly doing 10-12h on cam and loved to come up with new creative ideas to entertain people.
I went from making $4.00 my first day to making just shy off a million dollars a year. The money was not the focus but being the best at what I did was.
During my high earning years I knew I had to save and plan for my future. Most of the other performers would have one good month making $150,000 then disappear and not be relevant again. I don't know how I managed to last in the industry for over 8 years, but I am greatful that my hard work was combined with luck and being at the right place/right time.
I moved to Mexico when I was 26 years old.
My life in Mexico was great the first two years. I was dating someone that was super supportive with my work schedule. It was the honeymoon phase. We would always eat out and enjoy nice places and expensive travel. I was always frugal with everything else but vacations and experiences. Looking back my mistake was that I paid for everything and my bf at the time felt used to this cushy life that ended up expecting it. He was bad with managing money too and had a lot of debt which stupiditly I ended up paying off.
During this time I had bought various income properties in central Mexico (in a retirement village) and the agreement was that since I was making more money with my online business which required long hours on cam, my ex was supposed to take care of property management. At first he was engaged then ended up not so pationate about it. I felt used and underappreciated.
When I realized all this I was pregnant with our child. He told me he was unhappy living in a retirement village and wanted to move to a bigger city in Mexico. I told him we could try it out because it would offer more opportunities for our child as well. That's where things went downhill. He constantly ignored me and refused to help with chores in the house. I had a high risk pregnacy so I couldn't do much myself either.
After a few months he ended up cheating and experienced a mental break down, trying to commit suicide. I was crushed. I didn't know what happened and despite my efforts to send him to get the best medical help in the country he never was the same. I really wanted to help him get back on his feet again because I thought we were a team for life. I was wrong.
He ended up leaving the country one day when my son was only a few months old and has not been back in over 3 years. I have never heard back from him and I don't know if he's dead or alive.
I was crushed and myself experienced a complete burn out from work/personal loss at the time. Physically I became ill too and dropped down up 42 kg. I knew I had to do something about it because I had a son to take care of.
Looking back at it now it was an amazing opportunity for me to realize there was more to life than work. It helped me realize that I should have not provided everything just because I loved someone but let them provide and create on their own. If they refused I had to know they were using me as a wallet and to not get involved.
RETIREMENT
It's been one full year since I have been completely off work. It happened in 2020 out of all years. Before I tried to work on and off but my love for my job wasn't the same.
I can say I feel much less stressed than I did years ago. My health is better and my sleep schedule is so much better than it was before.
For the first time I now feel more Integrated in Mexico and I don't think I am missing out much not living in Canada.
Where I live it's safe, it has a high quality of life and there's a lot of international business around. Not that I want to open a new business here but I think it's important to be surrounded by other people that have seen more of the world and are also successful.
On top of that I have always felt like a hybrid of many cultures and being surrounded by people that have moved around the world means that we get to be hybrids together and they understand me better than say someone that lived in Canada/USA all their lives and never left the country.
Mexico has many bad things as well but no county is perfect. Choosing the right location to live in Mexico is very important to not be affected a lot by the bad things.
The pace of life is also much more calmer than in Canada and the US. This can be bad if you want to start a business here but it's a good place to be during retirement.
Also people are a lot less "offended" from things and I find it's easier to make friends than it was in Canada. My general perception of Canada was that people in Canada are very helpful to strangers but much colder if you want to have a meaningful friendship. Of course there are exceptions but that was my experience.
One thing I did not like about the western culture is the victim mentality that the youth of today are embracing. If they can't get something they usually blame the government for not doing enough for them.
Some women blame men for "the patriarchy" and some Canadians blame foreigners because 'they took away their cheap homes and they can't afford real estate'
Having lived in a real "shit hole" country where women get treated like crap I want to remind you that Canada and the US are the land of opportunities compared to most of the world.
Success is not guaranteed for anyone but all the information is free in English for you to look up and use it to your advantage. You don't even have to learn a second language to access it.
Being a woman or a minority gives you the same legal rights as everyone else if not more sometimes. I don't think most western feminists know what it's like to live in a muslim country.
My point is: Westerners are not grateful enough for what they have.
Complaining is human nature so of course it happens in Mexico but the majority know that their government won't do shit for them and they focus on what they can do as an individual. This can be bad too wich is reflected in the general sentiment Mexicans have for public property but that's another problem I won't get into.
Overall i am happy where I have come in my journey. I know I haven't got it all figured out despite having a 4.5 million net worth I don't feel complete being 100% retired.
I am currently building real estate in Mexico, investing in stocks and excercising to keep me busy.
After things open up I will travel more but the urge to have everything figured out which I experienced immediately once I stopped working is less.
Also: It's lonely at the top:
I like to think of myself as an easy and approachable person, however I think having a different upbringing and dedicating and reaching high levels of financial success at a very young age, makes relating to most people not as easy. I think humans form stronger bonds when they share and solve similar problems together. That's why I lurk in this forum from time to time. It makes me realize at the end of the day I'm not alone.
A lot of the questions that get asked here on a daily basis are questions that I ask myself all the time.
The funny part is that no one has the answers, I don't either and the more I live the more I realize that the answers don't matter.
The only realisation I have so far is:
The key to being rich is living in the moment, enjoying the company of your loved ones and being greatful for what you have.
Don't let your brain trick you into overthinking and stay away from the compulsion to use fatFIRE calculators all the time.
Just get out for a walk instead and leave your phone at home. We could be hit by a car tomorrow and none of that shit matters as much as you think.
Edit: since many have asked the country was Albania. I responded here how I ended up in Canada:
https://www.reddit.com/fatFIRE/comments/lh30x8/my_expat_fatfire_journey_abroad_long/gmwn401?utm_medium=android_app&utm_source=share&context=3

Welcome to the /Bitcoin Sticky FAQ

You've probably been hearing a lot about Bitcoin recently and are wondering what's the big deal? Most of your questions should be answered by the resources below but if you have additional questions feel free to ask them in the comments.
It all started with the release of Satoshi Nakamoto's whitepaper however that will probably go over the head of most readers so we recommend the following articles/books/videos as a good starting point for understanding how bitcoin works and a little about its long term potential:

• Article: The Bullish Case for Bitcoin
• Book: The Bitcoin Standard
• Video 1: The Stories We Tell About Money - Andreas Antonopoulos
• Video 2: The Bitcoin Standard - Saifdean Ammous
• Video 3: Bitcoin 101 - Balaji Srinivasan
• Video 4: Bitcoin Macro Strategy - Michael Saylor & Ross Stevens
• Video 5: The Saylor Series - Michael Saylor & Robert Breedlove
• Video 6: Bitcoin S2FX, S2F and Evolution From Collectible to Financial Asset - Stephan Livera, PlanB & Saifdean Ammous

Some other great resources include Michael Saylor's "Bitcoin for Everybody"' course, Jameson Lopp's resource page, Gigi's resource page, and James D'Angelo's Bitcoin 101 Blackboard series. Some excellent writing on Bitcoin's value proposition and future can be found at the Satoshi Nakamoto Institute.
If you are technically or academically inclined check out developer resources and peer-reviewed research papers, course lectures from both MIT and Princeton as well as future protocol improvements and scaling resources. Some Bitcoin statistics can be found here, here and here. MicroStrategy's Bitcoin for Corporations is an excellent open source series on corporate legal and financial bitcoin integration.
You can also see the number of times Bitcoin was declared dead by the media (LOL) and what you could have earned if you didn't listen to them! XD

Key properties of Bitcoin

• Limited Supply - There will only ever be 21,000,000 bitcoin created and they are issued in a predictable fashion per the inflation schedule. Once they are all issued Bitcoin will be truly deflationary. The halving countdown tells you how much time until the next drop in block rewards.
• Open source - Bitcoin code is fully auditable. You can read and contribute to the source code yourself.
• Accountable - The public ledger is transparent, all transactions are seen by everyone.
• Decentralized - Bitcoin is globally distributed across thousands of nodes with no single point of failure and as such can't be shut down similar to how Bittorrent works. You can even run a node on a Raspberry Pi.
• Censorship resistant - No one can prevent you from interacting with the bitcoin network and no one can censor, alter or block transactions that they disagree with, see Operation Chokepoint.
• Push system - There are no chargebacks in bitcoin because only the person who owns the address where the bitcoin resides has the authority to move them.
• Low fee scaling - Most wallets calculate on chain fees automatically but you can view fee estimates and mempool activity if you want to set your fee manually. On chain fees may rise occasionally due to network demand, however instant micropayments that do not require confirmations are happening via the Lightning Network, a second layer scaling solution currently rolling out on the Bitcoin mainnet.
• Borderless - No country can stop it from going in/out, even in areas currently unserved by traditional banking as the ledger is globally distributed.
• Trustless - Bitcoin solved the Byzantine's Generals Problem which means nobody needs to trust anybody for it to work.
• Pseudonymous - No need to expose personal information when purchasing with cash or transacting.
• Secure - Blocks and transactions are cryptographically secured (using hashes and signatures) and can’t be brute forced or confiscated with proper key management such as hardware wallets.
• Programmable - Individual units of bitcoin can be programmed to transfer based on certain criteria being met
• Nearly instant - From a few seconds on the lightning network to a few minutes on-chain depending on need for confirmations. Transactions are irreversible by normal users after one confirmation and irreversible by anyone (including miners) after 6 confirmations.
• Peer-to-peer - No intermediaries taking a cut, no need for trusted third parties.
• Portable - Bitcoin are digital so they are easier to move than cash or gold. They can be transported by simply carrying a seed (a string of 12 to 24 words) on a device or by memorizing it for wallet recovery (while cool, memorizing is generally not recommended due to potential for forgetting the seed and the potential for insecure key generation by inexperienced users. Hardware wallets are the preferred method for most users for their ease of use and additional security).
• Scalable - While the protocol is still being optimized for increased transaction capacity, blockchains do not scale very well, so most transaction volume is expected to occur on Layer 2 networks built on top of Bitcoin.
• Divisible - Each bitcoin can be divided down to 8 decimals, which means you don't have to worry about buying an entire bitcoin.
• Designed Money - Bitcoin was created to fit all the fundamental properties of money better than gold or fiat

Where can I buy bitcoin?

Bitcoin.org and BuyBitcoinWorldwide.com are helpful sites for beginners. You can buy or sell any amount of bitcoin (even just a few dollars worth) and there are several easy methods to purchase bitcoin with cash, credit card or bank transfer. Some of the more popular resources are below, also check out the bitcoinity exchange resources for a larger list of options for purchases.

• Cash app
• Gemini
• Swan
• River Financial
• Bitstamp
• BitFinex
• Xapo
• Kraken
• Cex
• LocalBitcoins
• LibertyX
• P2P exchange list (decentralized)

You can also purchase in cash with local ATMs. If you would like your paycheck automatically converted to bitcoin use Bitwage.
Note: Bitcoin are valued at whatever market price people are willing to pay for them in balancing act of supply vs demand. Unlike traditional markets, bitcoin markets operate 24 hours per day, 365 days per year.

Securing your bitcoin

With bitcoin you can "Be your own bank" and personally secure your bitcoin OR you can use third party companies aka "Bitcoin banks" which will hold the bitcoin for you.

• If you prefer to "Be your own bank" and have direct control over your coins without having to use a trusted third party, then you will need to create your own wallet and keep it secure. If you want easy and secure storage without having to learn computer security best practices, then a hardware wallet such as the Trezor, Ledger or ColdCard is recommended.
  
• If you cannot afford a hardware wallet there are many software wallet options to choose from depending on your use case. Mobile wallets like BlueWallet are generally more secure than desktop wallets. Beware of fake mobile wallets and check reviews from reputable Bitcoin websites. Avoid paper wallets or brain wallets.
  
• If you prefer to let third party "Bitcoin banks" manage your coins, try Gemini or Unchained Capital but be aware you may not be in control of your private keys in which case you would have to ask permission to access your funds and be exposed to third party risk. There is a saying in the community, "Not your keys, not your coins" meaning if you don't store your coins in a wallet that you control the keys to then you do not really own your bitcoin as you have to ask permission from the third party in order to move them.
  

Note: For increased security, use Two Factor Authentication (2FA) everywhere it is offered, including email!
2FA requires a second confirmation code or a physical security key to access your account making it much harder for thieves to gain access. Google Authenticator and Authy are the two most popular 2FA services, download links are below. Make sure you create backups of your 2FA codes.
Avoid using your cell number for 2FA. Hackers have been using a technique called "SIM swapping" to impersonate users and steal bitcoin off exchanges.

Google Auth	Authy	OTP Auth	andOTP
Android	Android	N/A	Android
iOS	iOS	iOS	N/A

Physical security keys (FIDO U2F) offer stronger security than Google Auth / Authy and other TOTP-based apps, because the secret code never leaves the device and it uses bi-directional authentication so it prevents phishing. If you lose the device though, you could lose access to your account, so always use 2 or more security keys with a given account so you have backups. See Yubikey or Titan to purchase security keys.
Both Coinbase and Gemini support physical security keys.

Watch out for scams

As mentioned above, Bitcoin is decentralized, which by definition means there is no official website or Twitter handle or spokesperson or CEO. However, all money attracts thieves. This combination unfortunately results in scammers running official sounding names or pretending to be an authority on YouTube or social media. Many scammers throughout the years have claimed to be the inventor of Bitcoin. Websites like bitcoin(dot)com and the r / btc subreddit are active scams. Almost all altcoins (shitcoins) are marketed heavily with big promises but are really just designed to separate you from your bitcoin. So be careful: any resource, including all linked in this document, may in the future turn evil. As they say in our community, "Don't trust, verify".

• Avoid using ad-based search engines like Google or Yahoo: ads are shown based on how much the advertiser bids, and scammers can easily outbid legitimate providers for ad space, since immoral ways of earning money are far more lucrative than moral ways. Use DuckDuckGo instead, which has no ads, and never tracks you as well.
• Ignore private messages offering services.
• Never enter your seed words in a website of any kind. Hardware wallets will recover by displaying possible seed words on their own interface, never on a website.
• Always check addresses on your hardware wallet before sending or receiving. Some malware has been known to replace addresses in your web browser or that you copy-and-paste.
• Avoid clicking on links like that look like links, such as https://www.google.com/, without first hovering over it and actually checking where they go to. Just because a link is labelled with an HTTPS address does not mean it actually sends you to that address. It is trivial for someone to comment a link on Reddit that looks like it will send you to one website when it actually sends you to another, and you might not notice the difference until a scammer has gotten all your money, or you have downloaded and installed software that steals your money.

Common Bitcoin Myths

Often the same concerns arise about Bitcoin from newcomers. Questions such as:

• Is Bitcoin a Ponzi scheme?
• Will governments ban Bitcoin?
• Will quantum computers break Bitcoin?

All of these questions have been answered many times by a variety of people. Here are some resources where you can see if your concern has been answered:

• Common Bitcoin Myths
• Gradually, Then Suddenly
• Every Reason Bitcoin Will Not Fail

Where can I spend bitcoin?

Check out spendabit or bitcoin directory for millions of merchant options. Also you can spend bitcoin anywhere visa is accepted with bitcoin debit cards such as the CashApp card or Fold card. Some other useful site are listed below.

Store	Product
Bitrefill, Gyft	Gift cards for thousands of retailers worldwide including Amazon, Target, Walmart, Starbucks, Whole Foods, CVS, Lowes, Home Depot, iTunes, Best Buy, Sears, Kohls, eBay, GameStop, etc.
Spendabit, Overstock and The Bitcoin Directory	Retail shopping with millions of results
NewEgg and Dell	For all your electronics needs
Piixpay, Bitbill.eu, Bylls, Coins.ph, LivingRoomofSatoshi, Coinsfer, and more	Bill payment
Menufy and Takeaway	Takeout delivered to your door
Expedia, Cheapair, Destinia, Abitsky, SkyTours, the Travel category on Gyft and 9flats	For when you need to get away
Cryptostorm, Mullvad, and PIA	VPN services
Namecheap, Porkbun	Domain name registration
Stampnik	Discounted USPS Priority, Express, First-Class mail postage

Coinmap and AirBitz are helpful to find local businesses accepting bitcoin. A good resource for UK residents is at wheretospendbitcoins.co.uk.
There are also lots of charities which accept bitcoin donations.

Merchant Resources

There are several benefits to accepting bitcoin as a payment option if you are a merchant;

• 1-3% savings over credit cards or PayPal.
• No chargebacks (final settlement in 10 minutes as opposed to 3+ months).
• Accept business from a global customer base.
• Increased privacy.
• Convert 100% of the sale to the currency of your choice for deposit to your account, or choose to keep a percentage of the sale in bitcoin if you wish to begin accumulating it.

If you are interested in accepting bitcoin as a payment method, there are several options available;

• BTCPay
• Square cash
• Stripe
• Wyre
• Blockonomics (direct to your wallet)

Can I mine bitcoin?

Mining bitcoin can be a fun learning experience, but be aware that you will most likely operate at a loss. Newcomers are often advised to stay away from mining unless they are only interested in it as a hobby similar to folding at home. If you want to learn more about mining you can read the mining FAQ. Still have mining questions? The crew at /BitcoinMining would be happy to help you out.
If you want to contribute to the bitcoin network by hosting the blockchain and propagating transactions you can run a full node. You can view the global node distribution for a visual representation of the node network.

Earning bitcoin

Just like any other form of money, you can also earn bitcoin by being paid to do a job.

Site	Description
WorkingForBitcoins, Bitwage, Cryptogrind, Coinality, Bitgigs, /Jobs4Bitcoins, BitforTip, Rein Project	Freelancing
Lolli	Earn bitcoin when you shop online!
OpenBazaar, Purse.io, Bitify, /Bitmarket	Marketplaces
/GirlsGoneBitcoin NSFW	Adult services
A-ads, Coinzilla.io	Advertising

You can also earn bitcoin by participating as a market maker on JoinMarket by allowing users to perform CoinJoin transactions with your bitcoin for a small fee (requires you to already have some bitcoin).

Bitcoin-Related Projects

The following is a short list of ongoing projects that might be worth taking a look at if you are interested in current development in the bitcoin space.

Project	Description
Lightning Network	Second layer scaling
Liquid, Rootstock and Drivechain	Sidechains
Hivemind	Prediction markets
Tierion and Factom	Records & Titles on the blockchain
BitMarkets, DropZone, Beaver and Open Bazaar	Decentralized markets
JoinMarket and Wasabi Wallet	CoinJoin implementation
Decentralized exhanges	Decentralized bitcoin exchanges
Keybase	Identity & Reputation management
Abra	Global P2P money transmitter network
Bitcore	Open source Bitcoin javascript library

Bitcoin Units

One Bitcoin is quite large (hundreds of £/$/€) so people often deal in smaller units. The most common subunits are listed below:

Unit	Symbol	Value	Info
bitcoin	BTC	1 bitcoin	one bitcoin is equal to 100 million satoshis
millibitcoin	mBTC	1,000 per bitcoin	used as default unit in recent Electrum wallet releases
bit	bit	1,000,000 per bitcoin	colloquial "slang" term for microbitcoin (μBTC)
satoshi	sat	100,000,000 per bitcoin	smallest unit in bitcoin, named after the inventor

For example, assuming an arbitrary exchange rate of $10000 for one Bitcoin, a $10 meal would equal:

• 0.001 BTC
• 1 mBTC
• 1,000 bits
• 100k sats

For more information check out the Bitcoin units wiki.
Still have questions? Feel free to ask in the comments below or stick around for our weekly Mentor Monday thread. If you decide to post a question in /Bitcoin, please use the search bar to see if it has been answered before, and remember to follow the community rules outlined on the sidebar to receive a better response. The mods are busy helping manage our community so please do not message them unless you notice problems with the functionality of the subreddit.
Note: This is a community created FAQ. If you notice anything missing from the FAQ or that requires clarification you can edit it here and it will be included in the next revision pending approval.
Welcome to the Bitcoin community and the new decentralized economy!

Should you buy Apple stock or has the company run out of growth opportunities? What is my price prediction for Apple in the next years? Read until the end as I reveal my price target for Apple and also what I think will happen in the next couple of days, weeks & months!
~ Warning! Very Very Long Post~
Hello everyone! So, let’s go over some of the latest news on Apple before moving on to some fundamental and technical analysis, predictions and my price target for the stock in the next years.
So, let’s start with the news that Apple will cut the App Store commission in half for small app developers starting in the next days, this will affect developers who earn less than $1M annually from the App Store Sales. This is likely to lead to a small decline in commission revenues for Apple as around 98% of the app developers will qualify for this tax reduction from 30% to 15%, but all these small developers only contribute to about 5% of the estimated $50B in annual revenues from the App Store, so that would be only a $1.25B loss for the company, that is less than half a % of the company’s total net sales in the last fiscal year.
Also, these changes may lead to a potential long-term revenue boost, as it is likely this will lead to an increasing creation of apps which will generate more commissions in return.
Alongside this we also saw the company releasing the new MacBook’s with their first in-house chip, which promises faster video and imaging processing times, with both CPU and GPU performance up to 2 times faster than the latest PC laptop chip using just a fraction of the power consumption, with both of the macbooks promising big improvements in battery life. Apple is also expected to roll out even more in-house chips in future products, as they have started the 2-year breakup with Intel chips.
We also saw Morgan Stanley upgrading their base case to $191 at the end of November, as they have cited record lead times, supply chain forecasts and carriers demand as they expect that the company will sell around 270M iPhone in fiscal year 2021, that’s 50M more than the consensus and almost 30M more than the previous estimate of Morgan Stanley, with an average selling price of 842$, 9% more than the base case, as people tend to chose the more expensive and high tech versions of the lineup in this new 5G cycle.
The 5G super-cycle, which I believe is on the way, and will continue in the next years, as 5G become more available worldwide, could still be the biggest thing coming right away for the company with 5G smartphones expected to surpass 4G sales by 2024, with the average sale price of the 5G phones also coming down, helping them become more popular. This will also be helped by the recent entry to the Indian market, as India will probably become the world biggest country in the next decade, this could be a huge opportunity for Apple to start and take away market-share from their competitors like Samsung and Xiaomi which have the biggest market shares right now.
They also released an update iPad Pro and an all-new iPad Air in September which will also boost sales in this work-from-home environment that will keep the demand very high for this kind of products, just like the Macs. Alongside the increasing demand from the Wearables, Home & Accessories that include Air Pods, Apple TV, Apple Watch, and many more products.
But the biggest reasons I believe Apple is poised for continued growth, is primarily due to its services business, as they start to offer more and more services like the Apple ONE BUNDLE, which include up to 6 services from (Apple Music, Apple TV+, Apple Arcade, Apple News+, the new Apple Fitness+ and the iCloud service) for a pretty reasonable price in my opinion starting from 15$ up to 30$/month, this could be a great option for families and even individuals who use their services a lot.
The latest services, Fitness+ just launched in the past days, and is a direct competitor to the likes of Peloton, as the service is available on the iPhone, iPad or even Apple TV. This also makes consumers buy the Apple Watch which syncs to the other devices to show you different information. The Fitness+ app just on its own is 8$/month or 80$/year which is less expensive than Peloton subscription which charges 13$ or even traditional gyms like Planet Fitness at 10$/month.
I think this will be the fastest growing sector for the company, as this aligns with the new macro trends, as the world is moving more and more to a digital approach to almost everything as consumer preferences, with more & more younger people reaching the point in life when they use these services start to align to this increasing digital approach.
We also shouldn’t forget the Apple Card & Apple Pay service among many others which also seem to gain from the move to digital & contactless payments, as this has been accelerated due to the current situation in the past year.
And one last piece of news, and the most recent one, is that Apple may have fast-tracked the Titan project. The Titan project is targeting a 2024 or 2025 push to develop an electric vehicle with advanced battery technologies, that will deliver significant increases in range at much lower costs than the current technologies while also offering self-driving capabilities.
It’s reported they will not use the same technology as Tesla Full-Self-Driving feature, but will use LIDAR sensors, similar to those that we can find in the latest iPhone 12 PRO.
I think Apple can go 2 ways with this project, they can either use the huge amount of cash the company has to buy another car-maker like Ford, GM or any other car manufacturer expect Tesla and Toyota which do have a big market cap, so that they can fast-track the potential manufacturing of cars, or they can enter into a partnership with big companies like Tesla, Volkswagen or any other car marker to either produce cars or license their technology to this other car-makers which would ultimately and probably have higher margin-returns than the effective manufacturing of cars. Apple’s current overall gross margins stand at 38% vs the 15% average of the world top 10 automakers by market cap, which is significantly lower.
But this Apple Car thing is so far out, and there are so many unknowns, I will not try to predict anything related to this until there is more clarity on the subject.
And last, before moving on to some predictions, here are some of the highlights that we heard from the latest investors conference meeting, as the CEO, Tim Cook expressed optimism ahead with the launch of many new products and services, especially the Home Pod Mini and the new 5G iPhones, as these new iPhones include new LIDAR scanners that greatly improve the camera capabilities, as the iPhone as seen very positive reviews. We also saw the Senior VP and CFO, Luca Maestri give us great outlook for the company as they expect the installed devices base to continue to growth despite already being at an all-time high as they have over 585M paid subscriptions on their platforms and expect this to surpass 600M by the end of 2020.
I also researched and found what products we can see in the near future, with the first half of 2021 bringing new iMacs, the AirPods3 and the iPad Pro, while in the FALL event we will probably get the new iPhone 13 alongside the iPhone SE PLUS and the Watch Series 7 with more products coming later in 2021 or that don’t have an estimated release date like the Air Pods Pro, the Air Tags and the iPad Mini 6.
So, before even starting, you should know that I am bull on Apple but I am willing to hear other opinions so don’t be afraid to leave a comment down below.
I have made some predictions based on the growth rate of the company, the latest plans announced by them and used some estimates. So, keep in mind this are only projections and are calculated by myself, this is not an investment advice and you should do your own research.
This are my 2025 projections for Apple, let’s take a closer look at them, each on their own.
So, in term of revenues, Apple has 5 big sources of income, which saw an overall increase of 6% despite lagging sales in the iPhone. The biggest revenue is by far the iPhone right now with over $137B in revenue in the fiscal year ending in September. I expect to see the iPhone sales increasing in the next years, especially in 2021, with the new 5G iPhone creating a super-cycle for the company, as most iPhone users, including myself here, as I will upgrade from my iPhone X, will switch to this new product. The iPhone sales have decreased in the last couple of years by 14% and 3% as a result of the product not having big improvements, as well as iPhone usually starting to last longer than previous models, so I expect to see a 12% increase in sales next year and a gradual decrease in the growth of sales as more people upgrade, ending with just a 5% growth in iPhone sales in 2025.
The next revenues stream is from the Mac, which has seen an increase in the past 2years, with revenues topping $28B this year after the huge demand from the work from home consumers. I expect this trend to continue as they plan to continue to launch better products and I can see the company having a similar growth next year before starting to decline slightly until 2025, also ending with a 5% growth.
The iPad is currently the smallest revenue stream for Apple but has also seen an increase in demand in the past 2 years with a 13% average increase in revenues. I also expect the iPad to continue to grow in the next couple of years, especially with the learn-from-home environment for kids, and even after this period ends, the transformation for learning will implicate more digital usage. I expect the iPad to see some similar growth to the Macs, especially with the latest generation also bringing a new iPad air to the market.
The 4th revenue stream and the fastest growing in the past 2 years, with an average growth of 33% are the wearables, home & accessories revenues. This have topped $30B this year, as Apple has also just launched the Apple Watch series 6 and also feature other great products like Apple TV, the Air Pods the Home Pod and the Home Pod mini alongside other third-party accessories.
I gave this revenue stream a growth of 20% starting next year with a gradual decrease to around 8% by 2025, as I believe this will become more & more popular as they start to offer more vertical integration.
And last, but by no means least, the revenue stream that I expect to grow the most and the fastest is the revenue from the services that Apple offers. This includes revenues from Apple Care, Advertising, Cloud Services, Payment Services like Apple Card & Apple Pay and of course the digital content which includes fees from the App Store alongside subscription-based income including the new Apple One Bundle and Apple Fitness+ alongside the already know Apple Arcade, Apple Music, Apple News+, Apple TV+ and hopefully I don’t forget any others.
So, I expect this to become the clear 2nd biggest revenue stream for Apple by 2025, as I expect this to grow more than 20% next year, mainly due to the Apple One Bundle and Apple Fitness+ followed up by a slightly decreasing growth, ending with a 10% increase in revenues in 2025.
I think this are fairly conservative base case scenarios for the revenues, as I expect them to continue to increase the other revenue streams and not have such a large percentage of the revenues coming from the iPhone sales as you can see in this chart.
In terms of expenses, I pretty much kept the same margins as in previous years, with a 68% expense ratio on product sales [ iPhone / iPad / Mac / WHA ] and 35% expense ratio on SERVICES, as this are way more lucrative.
In the past 3 years, the products gross margin was 32.7%, so I actually imply bigger expenses for the manufacturing and sales of products, as this is mostly impacted by the company’s supplier’s ability to make up for and demand, while for the services revenue, the gross margins for the last 3 years has been 63.5% on average, but I expect this to be more in-line with the 66% margin in this past year. So, if services manage to grow to about half the revenues from the iPhone, this will effectively double the gross revenues, as every buck gained in the service revenues account for 2$ in the product sales.
So, I expect the total revenues for Apple to increase from $274B in 2020 to over $440B by 2025, increasing by approximately 10%/year, while I will keep the expense ratio pretty much in-line and have them increasing by 11%/year, this would bring the total gross income for Apple to $177B, increasing mainly due to the services revenues as I said earlier. This growth is just above the 4year average, and below the 2018 levels, which we might see again with this 5G super-cycle and explosive growth in the services revenue.
I also think the company will continue to invest in both Capital Expenditure and Operating expenses.
I think the operating expenses will remain pretty much in line with the previous years, as this number has increased by 1% annually both in R&D and SG&A. So, I will keep the exact percentages from previous years, as I expect the revenue to increase, thus I don’t see a big increase percentage wise. This would account for over $60B in operating expenses by 2025 and over $11B in Capital Expenditures by 2025, as I expect this to increase, mainly due to the possible EV developments or investments in self-driving capabilities alongside other manufacturing capabilities. You can see that the Capex spending has been decreasing in the past years with just over $8.8B in payments for business acquisitions and the other traditional Capex spending. Some people may use the cash generated by investing activities as Capex, but that is more unreliable. I also can see the Capex going back up, so I wanted to be safe and implied a 10% growth.
This money would account for over $73B in expenses and would bring the profit for the company to almost $104B before interest and taxes.
Moving on, let’s see what interest income and expenses the company has had in the past few years. We can see a decrease in interest expense in the past few years as the company has been paying off debt, but they have also been generating less money in this department, with an overall decrease in this department of more than 50% in the past year, way less than the amount from 2018. So, for safety reasons, I used a 10% decline in both income and expenses related to interest, while increasing the other losses by 10%/year.
This would bring the company pre-tax income to just over $104B in 2025.
Let’s move on to taxes. I know the Federal income tax rate is 21% for the company, but the actual effective tax rate for the company was lower than 15% in the past year, mainly due to lower tax-rates on foreign earnings alongside tax-benefits and tax-settlements. The average effective tax rate has been just over 16% in the past 3 years, but with more and more of the revenues coming from outside the US, I think it’s safe to say that the company will have around a 15% effective tax rate by 2025, this obviously if nothing major changes in tax policy around the world.
So, Apple would have $88.6B in income after tax by 2025 and with the current outstanding shares standing at just under 17B, so I don’t even account for the company probably continuing to do share buybacks, this would mean a $5.22 future earnings/share. And with today’s price for Apple just around 136$, that would mean to company is trading at just over 26 times forward price to earnings.
I don’t think Apple will ever trade at a discount again, with the current PE standing at over 40, I believe this will eventually go down, probably to around 35, despite the increase in services revenue, which is highly valued by investors. I think we can see Apple trade somewhere near 35 times P/E in 2025, especially if something big happens with the EV project, this could be even higher, just look at Tesla which trades at insane P/E. Of course, we also have to take into consideration the dividends that will be received from owning the stock, as Apple has started to pay dividends almost a decade ago and has 9 years of dividend growth, with a 10% annual rate of growth in the past 5 years. Here is the dividend growth history for the company, as I also went conservative on this estimate and implied a 7% growth for the next 2 years, 6% for 2023 and 2024 and just 5% in 2025.
So here are my 3 price targets for the company, including dividends but not reinvested. My bear case scenario is that Apple will trade at almost 165$ which implies a return of over 21% by 2025, while my base case scenario would see Apple trading at 195$ with a return of capital of 43%. I will also make the bull case for Apple trading at 225$ by 2025 with dividends included, which would imply just over 65% in gains by then.
I think this is possible as Apple has also continued to buy back shares of the company on a constant basis, as they continue to an impressive campaign with over $72B worth of common stock repurchased in 2020. They continue to buy back shares at a very fast pace, having repurchased over 1.3B shares in 2019 and 2018, while also issuing less stock every year.
So here is the full spreadsheet that I have projected for Apple by 2025 and the breakdown of everything i estimated [ 1 / 2 ] , if you do have another opinion or a suggestion please leave a comment down below, I think I have been conservative in most of my projections, but feel free to give your opinion.
Keep in mind, these targets might sound ridiculous, but just look at the growth Apple has had in the last 5years. The company has increased in value by more 400% in just the past 5years and is over 100.000% up since it started trading. So yes, the valuation is mad right now for the company. So, are you willing to bet against Apple?
The company also has pristine financials, with more than $65B in total assets compared to total liabilities, and more than $38B in cash and cash equivalents.
So, what do I expect in the next couple of days, weeks and months for Apple?
Let’s look at this CHART, so starting with the stock split, Apple saw a correction within the September stock market pullback, in a buy the news & sell the event, after a huge runup post-announcement of the stock split. The stock entered a consolidation period, and didn’t have any big catalysts, especially with new iPhone lineup not being included in the Q4 results due to the late launch. The stock found some levels of resistance near the $120 levels that it struggled to get past but acted also as support after breaking them just before the recent news of the possible EV developments or self-driving-features to be licensed to other car manufacturers. After that news the stock spiked and has now reached the previous highs made before the stock split and is facing some resistance, if the stock pushes over $140 I think we can officially say that it broke the resistance at those levels and is not just a fake-out. But I think it’s likely that the stock will consolidate between 122 and 135$ in the next weeks until the next iPhone sales and quarterly results are released, as the stock has entered overbought territory again with an RSI over 70, the first time since the stock split.
So, what would I do? Well, I own Apple stock, and I really believe this company will remain the biggest or one of the biggest in the future, so I would really add on any weakness that the stock shows before the next quarter earnings are released, as typically Q1 earnings are the best for the company due to increased holiday sales combined with the launch of new products. I think any entry below 130$ would be really nice to start and build a position or increase it if you already own the stock. As I believe Apple is one of the most stable stocks out there with large institutional holders like Vanguard, BlackRock and Berkshire owning over 900M shares each.
Thank you everyone for reading! Hope you enjoyed the content! Be sure to leave a comment down below with your opinion on the stock market!
Have a great day and see you next time!

BB is king.
before anything, this is not financial advice, go fuck yourself you autists. I am a degenerate with a hypothesis. Now that that disclaimer is done
Man blackberry, who the hell thought I’d be investing in you after the fall of BBM and Brickbreaker. Well, strap in folks as I take you through one of the most bullish stories in stonk history, and it all starts with one statement. Everything you’re thinking about with Blackberry at the moment, is wrong.
It is not a phone company. It is not telling you to use BBM. It is a software, automotive, and cybersecurity company that is about to make a killing. Let’s begin:
BB stock price, 6.71 as of Close on 1-6-2021.
Technically, this thing is a fucking beauty. MACD flip, Stoch RSI cross, volume died on the sells and the thing is pushing up just the market died twice while it had solid momentum. This is going to move soon, but let's go away from crayons and into the magical land of make believe: news events, conferences, and fundamentals. It's not just two letters, it's a business. https://www.tradingview.com/x/uI3Cl51F/
Recent Earnings

Fiscal Quarter End	Date Reported	Earnings Per Share*	Consensus EPS* Forecast	% Surprise
Nov 2020	12/17/2020	0.1	-0.04	100
Aug 2020	09/24/2020	0.1	-0.02	600
May 2020	06/24/2020	0	-0.04	100
Feb 2020	03/31/2020	0.06	0.01	500

Surprises along the board.

• Revenues last quarter, $224 MM.
• Revenues projected for Q4, $246 MM.
• Full year Guidance 2021, $950 MM.
• Mkt cap, $4 B. Total company non-GAAP revenue of $224 million; total company GAAP revenue of $218 million. Non-GAAP earnings per basic and diluted share of $0.02; GAAP loss per basic and diluted share of $0.23. Net cash generated from operating activities of $29 million.

Saw this cute image of CRWD PLTR and SNOW, all with similar or lower Revs but SNOW is half but worth 20x BB, CRWD has less revs but is operating at 11.75x, PLTR (WSB fav) has 50M more projected annual revs and is worth 11x. Alright who cares about revenue, that's only today. If only it accounted for the big event happening in the next 9 days (see news events below).
NEWS EVENTS
FB settlement
I’m not going to go into deep detail here as it is quite intricate and all I know is that BB won a suit against fuckerberg $FB related to messaging, whatsapp, and something else. $FB has till January 15th, 2020 to settle, see here: https://www.courtlistener.com/recap/gov.uscourts.cand.331602/gov.uscourts.cand.331602.144.0.pdf
This FB settlement is not included in earnings expectations, meaning THAT SHIT GOES UP or will be in analyst projections.
BlackBerry IVY - Intellectual Vehicle Data Platform
The big kahuna that will change BB for the next few years. Per BB website: “BlackBerry and AWS are joining forces to develop BlackBerry IVY, a scalable, cloud-connected software platform that will allow automakers to create personalized driver and passenger experiences and improve operations of connected vehicles with new BlackBerry QNX and AWS technology.”
What does it mean to the end consumer (the automakers?)
IVY Fueling Business Outcomes
BlackBerry IVY will help automakers and automotive suppliers:
Fuel Innovation by supporting rapid development of new customer experiences Drive Revenue by unlocking new revenue streams and business models Reduce Costs by moving processing to the edge & reducing raw data transmission Improve Operations with enhanced data visibility and access Expand Ecosystems by unlocking the broader app developer community
Wanna watch a video? bideo here
Want a TL;DR? Automotive, cloud, cybersecurity, IOT, electric vehicles, every bubble on the planet. And this shit got all of it. Want more info? https://blackberry.qnx.com/en/aws Read this and watch their conferences coming up.
Partnerships with big companies
Blackberry partnered with Zoom (link: https://blogs.blackberry.com/en/2020/10/blackberry-and-zoom-together-secure-your-virtual-enterprise-meetings), Microsoft Teams (link: https://www.prnewswire.com/news-releases/blackberry-athoc-integrates-with-microsoft-teams-for-critical-event-management-301147559.html) and some other company that I forgot. Cybersecurity adding onto big big platforms that exploded this past year. MORE MONEY you dumbasses.
Patents BB started offloading old patents but have one that will be important as of recent, with the sexiest one being this: https://uspto.report/patent/grant/10880812
Very pretty stuff, big sex.
Business Implications
BB makes their money from licensing, cybersecurity (one of the only companies that have not been hacked in this SolarWind shit), BB QNX is already in 175 MM cars worldwide, partnered with XPEV, and is in talks with multiple Tier 1 automakers, 20 different OEMs, and will be in vehicles by 2023. Does that mean anything now? Yes, you dumbass. Per CEO John Chen, my new president, #DidYouKnow @BlackBerry has been selected by 19 of the top 25 #ElectricVehicle manufacturers, and they represent 61% of the Electric Vehicle market?
Bubblicious and sexy. Expect some of the big tier 1s like Nissan, Toyota, BMW, and others to jump on this train. Think TSLA doesn’t have competition? Bitch they cant even make a billion dollars unless they sell stock (which since MS just upgraded their price, I bet they offer at least $5B in stock in the coming days).
CONFERENCES
BB is speaking at the following conferences:
Citi’s 2021 Global TMT West Virtual Conference - Thursday January 7th, 2021 at 1 PM with the Steve Rai, Blackberry CFO and John Wall, Co-Head of BlackBerry Technology Solutions (BTS)
JP Morgan 19th Annual Tech / Auto Forum Tuesday January 12th, 2021 at 5:45 PM ET with the Steve Rai, Blackberry CFO and John Wall, Co-Head of BlackBerry Technology Solutions (BTS) LINK: https://gentherm.gcs-web.com/events/event-details/19th-annual-jp-morgan-techauto-forum
Needham’s 23rd Annual Virtual Growth Conference Friday, January 15th, 2021 at 1:15 pm ET With Ryan Permeh, Blackberry Chief Security Architect & Co-founder of Cylance and Eric Cornelius, Blackberry Chief Product Architect
This was just announced and you bet your ass this will pump this stock up.
Conclusion:
This stock will generate a lot more cash in the coming years, will gain in the short term by offloading old patents, settling with FB and getting some moolah, growing in their partnership with Bezos gang, roll out to more EVs with Tier 1 and Tier 2 automotive companies, and compete with Tesla on this as well. This shit trades at $6.70 and is so close to going up if the market just doesn’t crash in the interim. They already are used by big companies for Access and other Mobile applications, so that someone can securely use their dinky iPhone to work. Think big whales aren’t interested? Look at 2022 2023 option OI.
I think this goes to lower PT of $10 by May, more likely $15. uThInKitWiLLdOUbleINmKTcAp???? Yes you fucking idiot, this is trading at 4X sales only, will be profitable this year, and has so much shit coming up. This is UNDER 4B!!!!!!!!!!!!!!!! Just buy the stock and sit on it. Want options? Buy them too. Have fun guys, I hope you all make money.
QNX CUSTOMERS (see anyone you know?)
• XPENG • PLUS • ARCFOX • DESAY SV • CANOO • DAMON MOTORCYCLES • RENOVO • ARIVVAL • HYUNDAI AUTRON • DENSO • JAGUA LAND ROVER • LG • RENESAS • BYTON • NVIDIA • BAIDU • QUALCOMM • TATA ELXSI • DELPHI TEAMS • Space X • Ford • BOSCH • KARMA • AMAZON • Rivian • Lordstown • Fisker • Hyliion • Sony • NIO • Lucid Motors
NEWS UPDATES
1.8.2020: BIDU building EVs, Hyundai and Apple partnering for Self Driving Cars. Guess what they are using??? QNX by BB. With time only more will be announced. BB to the fucking moon 🚀🚀🚀🚀🚀🚀
My positions:
29 contracts Feb $7C, bought as recently as yesterday. 1300 Shares, price avg of $7.001. I could have actively traded this prior to ER but decided to long term hold cause I am not a daytrader, and I fully believe in this hypothesis. I wouldn’t be typing this shit if not. Enjoy, go make money
Edit: We already up 5%, yes I told you guys right next to breakout timing. Fuck you 🚀🚀🚀🚀🚀🚀
Edit2: we are up another 5%+ premarket today, jan 8. I’m happy we are making some money guys, I’m not asking for bread all I ask is this: feel free to take profits, especially people who buy weeklies lmao, and spend some money on something you enjoy. In addition, donate some to charity if you made a killing. I’m really happy this is working out so soon, let’s go lads. If you wanna reward me go watch tiktoks by “albertpco”
This post is also on the stonk blog: https://stonkclub.com/2021/01/06/bb-king-the-blast-from-the-past-with-the-legendary-comeback/ or on the twats @ClubStonk
1.12.2021 : BB Selling Smartphone Patents to Huawei, more $$$$ coming in. https://www.theglobeandmail.com/business/article-blackberry-sells-90-patents-to-huawei-covering-key-smartphone/?cmpid=rss&utm_source=dlvr.it&utm_medium=twitter JPM conference in 40 mins. 1.14.21: 8.94. Fuck you

Should you buy Apple stock or has the company run out of growth opportunities? What is my price prediction for Apple in the next years? Read until the end as I reveal my price target for Apple and also what I think will happen in the next couple of days, weeks & months!
~ Warning! Very Very Long Post~
Hello everyone! So, let’s go over some of the latest news on Apple before moving on to some fundamental and technical analysis, predictions and my price target for the stock in the next years.
[Disclosure: I made this DD last month, but I wasn't part of this Subreddit until the last few days]
So, let’s start with the news that Apple will cut the App Store commission in half for small app developers starting in the next days, this will affect developers who earn less than $1M annually from the App Store Sales. This is likely to lead to a small decline in commission revenues for Apple as around 98% of the app developers will qualify for this tax reduction from 30% to 15%, but all these small developers only contribute to about 5% of the estimated $50B in annual revenues from the App Store, so that would be only a $1.25B loss for the company, that is less than half a % of the company’s total net sales in the last fiscal year.
Also, these changes may lead to a potential long-term revenue boost, as it is likely this will lead to an increasing creation of apps which will generate more commissions in return.
Alongside this we also saw the company releasing the new MacBook’s with their first in-house chip, which promises faster video and imaging processing times, with both CPU and GPU performance up to 2 times faster than the latest PC laptop chip using just a fraction of the power consumption, with both of the macbooks promising big improvements in battery life. Apple is also expected to roll out even more in-house chips in future products, as they have started the 2-year breakup with Intel chips.
We also saw Morgan Stanley upgrading their base case to $191 at the end of November, as they have cited record lead times, supply chain forecasts and carriers demand as they expect that the company will sell around 270M iPhone in fiscal year 2021, that’s 50M more than the consensus and almost 30M more than the previous estimate of Morgan Stanley, with an average selling price of 842$, 9% more than the base case, as people tend to chose the more expensive and high tech versions of the lineup in this new 5G cycle.
The 5G super-cycle, which I believe is on the way, and will continue in the next years, as 5G become more available worldwide, could still be the biggest thing coming right away for the company with 5G smartphones expected to surpass 4G sales by 2024, with the average sale price of the 5G phones also coming down, helping them become more popular. This will also be helped by the recent entry to the Indian market, as India will probably become the world biggest country in the next decade, this could be a huge opportunity for Apple to start and take away market-share from their competitors like Samsung and Xiaomi which have the biggest market shares right now.
They also released an update iPad Pro and an all-new iPad Air in September which will also boost sales in this work-from-home environment that will keep the demand very high for this kind of products, just like the Macs. Alongside the increasing demand from the Wearables, Home & Accessories that include Air Pods, Apple TV, Apple Watch, and many more products.
But the biggest reasons I believe Apple is poised for continued growth, is primarily due to its services business, as they start to offer more and more services like the Apple ONE BUNDLE, which include up to 6 services from (Apple Music, Apple TV+, Apple Arcade, Apple News+, the new Apple Fitness+ and the iCloud service) for a pretty reasonable price in my opinion starting from 15$ up to 30$/month, this could be a great option for families and even individuals who use their services a lot.
The latest services, Fitness+ just launched in the past days, and is a direct competitor to the likes of Peloton, as the service is available on the iPhone, iPad or even Apple TV. This also makes consumers buy the Apple Watch which syncs to the other devices to show you different information. The Fitness+ app just on its own is 8$/month or 80$/year which is less expensive than Peloton subscription which charges 13$ or even traditional gyms like Planet Fitness at 10$/month.
I think this will be the fastest growing sector for the company, as this aligns with the new macro trends, as the world is moving more and more to a digital approach to almost everything as consumer preferences, with more & more younger people reaching the point in life when they use these services start to align to this increasing digital approach.
We also shouldn’t forget the Apple Card & Apple Pay service among many others which also seem to gain from the move to digital & contactless payments, as this has been accelerated due to the current situation in the past year.
And one last piece of news, and the most recent one, is that Apple may have fast-tracked the Titan project. The Titan project is targeting a 2024 or 2025 push to develop an electric vehicle with advanced battery technologies, that will deliver significant increases in range at much lower costs than the current technologies while also offering self-driving capabilities.
It’s reported they will not use the same technology as Tesla Full-Self-Driving feature, but will use LIDAR sensors, similar to those that we can find in the latest iPhone 12 PRO.
I think Apple can go 2 ways with this project, they can either use the huge amount of cash the company has to buy another car-maker like Ford, GM or any other car manufacturer expect Tesla and Toyota which do have a big market cap, so that they can fast-track the potential manufacturing of cars, or they can enter into a partnership with big companies like Tesla, Volkswagen or any other car marker to either produce cars or license their technology to this other car-makers which would ultimately and probably have higher margin-returns than the effective manufacturing of cars. Apple’s current overall gross margins stand at 38% vs the 15% average of the world top 10 automakers by market cap, which is significantly lower.
But this Apple Car thing is so far out, and there are so many unknowns, I will not try to predict anything related to this until there is more clarity on the subject.
And last, before moving on to some predictions, here are some of the highlights that we heard from the latest investors conference meeting, as the CEO, Tim Cook expressed optimism ahead with the launch of many new products and services, especially the Home Pod Mini and the new 5G iPhones, as these new iPhones include new LIDAR scanners that greatly improve the camera capabilities, as the iPhone as seen very positive reviews. We also saw the Senior VP and CFO, Luca Maestri give us great outlook for the company as they expect the installed devices base to continue to growth despite already being at an all-time high as they have over 585M paid subscriptions on their platforms and expect this to surpass 600M by the end of 2020.
I also researched and found what products we can see in the near future, with the first half of 2021 bringing new iMacs, the AirPods3 and the iPad Pro, while in the FALL event we will probably get the new iPhone 13 alongside the iPhone SE PLUS and the Watch Series 7 with more products coming later in 2021 or that don’t have an estimated release date like the Air Pods Pro, the Air Tags and the iPad Mini 6.
So, before even starting, you should know that I am bull on Apple but I am willing to hear other opinions so don’t be afraid to leave a comment down below.
I have made some predictions based on the growth rate of the company, the latest plans announced by them and used some estimates. So, keep in mind this are only projections and are calculated by myself, this is not an investment advice and you should do your own research.
This are my 2025 projections for Apple, let’s take a closer look at them, each on their own.
So, in term of revenues, Apple has 5 big sources of income, which saw an overall increase of 6% despite lagging sales in the iPhone. The biggest revenue is by far the iPhone right now with over $137B in revenue in the fiscal year ending in September. I expect to see the iPhone sales increasing in the next years, especially in 2021, with the new 5G iPhone creating a super-cycle for the company, as most iPhone users, including myself here, as I will upgrade from my iPhone X, will switch to this new product. The iPhone sales have decreased in the last couple of years by 14% and 3% as a result of the product not having big improvements, as well as iPhone usually starting to last longer than previous models, so I expect to see a 12% increase in sales next year and a gradual decrease in the growth of sales as more people upgrade, ending with just a 5% growth in iPhone sales in 2025.
The next revenues stream is from the Mac, which has seen an increase in the past 2years, with revenues topping $28B this year after the huge demand from the work from home consumers. I expect this trend to continue as they plan to continue to launch better products and I can see the company having a similar growth next year before starting to decline slightly until 2025, also ending with a 5% growth.
The iPad is currently the smallest revenue stream for Apple but has also seen an increase in demand in the past 2 years with a 13% average increase in revenues. I also expect the iPad to continue to grow in the next couple of years, especially with the learn-from-home environment for kids, and even after this period ends, the transformation for learning will implicate more digital usage. I expect the iPad to see some similar growth to the Macs, especially with the latest generation also bringing a new iPad air to the market.
The 4th revenue stream and the fastest growing in the past 2 years, with an average growth of 33% are the wearables, home & accessories revenues. This have topped $30B this year, as Apple has also just launched the Apple Watch series 6 and also feature other great products like Apple TV, the Air Pods the Home Pod and the Home Pod mini alongside other third-party accessories.
I gave this revenue stream a growth of 20% starting next year with a gradual decrease to around 8% by 2025, as I believe this will become more & more popular as they start to offer more vertical integration.
And last, but by no means least, the revenue stream that I expect to grow the most and the fastest is the revenue from the services that Apple offers. This includes revenues from Apple Care, Advertising, Cloud Services, Payment Services like Apple Card & Apple Pay and of course the digital content which includes fees from the App Store alongside subscription-based income including the new Apple One Bundle and Apple Fitness+ alongside the already know Apple Arcade, Apple Music, Apple News+, Apple TV+ and hopefully I don’t forget any others.
So, I expect this to become the clear 2nd biggest revenue stream for Apple by 2025, as I expect this to grow more than 20% next year, mainly due to the Apple One Bundle and Apple Fitness+ followed up by a slightly decreasing growth, ending with a 10% increase in revenues in 2025.
I think this are fairly conservative base case scenarios for the revenues, as I expect them to continue to increase the other revenue streams and not have such a large percentage of the revenues coming from the iPhone sales as you can see in this chart.
In terms of expenses, I pretty much kept the same margins as in previous years, with a 68% expense ratio on product sales [ iPhone / iPad / Mac / WHA ] and 35% expense ratio on SERVICES, as this are way more lucrative.
In the past 3 years, the products gross margin was 32.7%, so I actually imply bigger expenses for the manufacturing and sales of products, as this is mostly impacted by the company’s supplier’s ability to make up for and demand, while for the services revenue, the gross margins for the last 3 years has been 63.5% on average, but I expect this to be more in-line with the 66% margin in this past year. So, if services manage to grow to about half the revenues from the iPhone, this will effectively double the gross revenues, as every buck gained in the service revenues account for 2$ in the product sales.
So, I expect the total revenues for Apple to increase from $274B in 2020 to over $440B by 2025, increasing by approximately 10%/year, while I will keep the expense ratio pretty much in-line and have them increasing by 11%/year, this would bring the total gross income for Apple to $177B, increasing mainly due to the services revenues as I said earlier. This growth is just above the 4year average, and below the 2018 levels, which we might see again with this 5G super-cycle and explosive growth in the services revenue.
I also think the company will continue to invest in both Capital Expenditure and Operating expenses.
I think the operating expenses will remain pretty much in line with the previous years, as this number has increased by 1% annually both in R&D and SG&A. So, I will keep the exact percentages from previous years, as I expect the revenue to increase, thus I don’t see a big increase percentage wise. This would account for over $60B in operating expenses by 2025 and over $11B in Capital Expenditures by 2025, as I expect this to increase, mainly due to the possible EV developments or investments in self-driving capabilities alongside other manufacturing capabilities. You can see that the Capex spending has been decreasing in the past years with just over $8.8B in payments for business acquisitions and the other traditional Capex spending. Some people may use the cash generated by investing activities as Capex, but that is more unreliable. I also can see the Capex going back up, so I wanted to be safe and implied a 10% growth.
This money would account for over $73B in expenses and would bring the profit for the company to almost $104B before interest and taxes.
Moving on, let’s see what interest income and expenses the company has had in the past few years. We can see a decrease in interest expense in the past few years as the company has been paying off debt, but they have also been generating less money in this department, with an overall decrease in this department of more than 50% in the past year, way less than the amount from 2018. So, for safety reasons, I used a 10% decline in both income and expenses related to interest, while increasing the other losses by 10%/year.
This would bring the company pre-tax income to just over $104B in 2025.
Let’s move on to taxes. I know the Federal income tax rate is 21% for the company, but the actual effective tax rate for the company was lower than 15% in the past year, mainly due to lower tax-rates on foreign earnings alongside tax-benefits and tax-settlements. The average effective tax rate has been just over 16% in the past 3 years, but with more and more of the revenues coming from outside the US, I think it’s safe to say that the company will have around a 15% effective tax rate by 2025, this obviously if nothing major changes in tax policy around the world.
So, Apple would have $88.6B in income after tax by 2025 and with the current outstanding shares standing at just under 17B, so I don’t even account for the company probably continuing to do share buybacks, this would mean a $5.22 future earnings/share. And with today’s price for Apple just around 136$, that would mean to company is trading at just over 26 times forward price to earnings.
I don’t think Apple will ever trade at a discount again, with the current PE standing at over 40, I believe this will eventually go down, probably to around 35, despite the increase in services revenue, which is highly valued by investors. I think we can see Apple trade somewhere near 35 times P/E in 2025, especially if something big happens with the EV project, this could be even higher, just look at Tesla which trades at insane P/E. Of course, we also have to take into consideration the dividends that will be received from owning the stock, as Apple has started to pay dividends almost a decade ago and has 9 years of dividend growth, with a 10% annual rate of growth in the past 5 years. Here is the dividend growth history for the company, as I also went conservative on this estimate and implied a 7% growth for the next 2 years, 6% for 2023 and 2024 and just 5% in 2025.
So here are my 3 price targets for the company, including dividends but not reinvested. My bear case scenario is that Apple will trade at almost 165$ which implies a return of over 21% by 2025, while my base case scenario would see Apple trading at 195$ with a return of capital of 43%. I will also make the bull case for Apple trading at 225$ by 2025 with dividends included, which would imply just over 65% in gains by then.
I think this is possible as Apple has also continued to buy back shares of the company on a constant basis, as they continue to an impressive campaign with over $72B worth of common stock repurchased in 2020. They continue to buy back shares at a very fast pace, having repurchased over 1.3B shares in 2019 and 2018, while also issuing less stock every year.
So here is the full spreadsheet that I have projected for Apple by 2025 and the breakdown of everything i estimated [ 1 / 2 ] , if you do have another opinion or a suggestion please leave a comment down below, I think I have been conservative in most of my projections, but feel free to give your opinion.
Keep in mind, these targets might sound ridiculous, but just look at the growth Apple has had in the last 5years. The company has increased in value by more 400% in just the past 5years and is over 100.000% up since it started trading. So yes, the valuation is mad right now for the company. So, are you willing to bet against Apple?
The company also has pristine financials, with more than $65B in total assets compared to total liabilities, and more than $38B in cash and cash equivalents.
So, what do I expect in the next couple of days, weeks and months for Apple?
Let’s look at this CHART, so starting with the stock split, Apple saw a correction within the September stock market pullback, in a buy the news & sell the event, after a huge runup post-announcement of the stock split. The stock entered a consolidation period, and didn’t have any big catalysts, especially with new iPhone lineup not being included in the Q4 results due to the late launch. The stock found some levels of resistance near the $120 levels that it struggled to get past but acted also as support after breaking them just before the recent news of the possible EV developments or self-driving-features to be licensed to other car manufacturers. After that news the stock spiked and has now reached the previous highs made before the stock split and is facing some resistance, if the stock pushes over $140 I think we can officially say that it broke the resistance at those levels and is not just a fake-out. But I think it’s likely that the stock will consolidate between 122 and 135$ in the next weeks until the next iPhone sales and quarterly results are released, as the stock has entered overbought territory again with an RSI over 70, the first time since the stock split.
So, what would I do? Well, I own Apple stock, and I really believe this company will remain the biggest or one of the biggest in the future, so I would really add on any weakness that the stock shows before the next quarter earnings are released, as typically Q1 earnings are the best for the company due to increased holiday sales combined with the launch of new products. I think any entry below 130$ would be really nice to start and build a position or increase it if you already own the stock. As I believe Apple is one of the most stable stocks out there with large institutional holders like Vanguard, BlackRock and Berkshire owning over 900M shares each.
Thank you everyone for reading! Hope you enjoyed the content! Be sure to leave a comment down below with your opinion on the stock market!
Have a great day and see you next time!

My VXX 101 was shared here so I figured I’d be helpful and post my other 101 and 102s from WSB*
some image links and stuff didn’t convert. I’ll clean it up later
Original link: https://www.reddit.com/wallstreetbets/comments/ky9m34/unusual_options_activity_101_whale_watching_tips/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
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This is long, if you’re uninterested skip to the ten tips list or TLDR A while ago I started mixing unusual options activity into my gamblinginvesting. At first I lost a shitload of money chasing dumbass whales with zero plan, but now I actually have a pretty good feel for it. I still fuck up alot, but more often I do not fuck up. This is to help those of you who want to start chasing whales, or are at a basic level and want to do it better.
I'm using some plays from this week as examples because they are fresh in my mind and I have a couple screenshots.
Tools I use barchart in tandem with Unusual Whales. For barchart, you can honestly get by using their free version, you just can't sort as well. They have a free month trial too. I also pay the 20 bucks for Unusual Whales to confirm what I scan, and they have a good stocks volume standard deviation tool. I have zero affiliation to either, just saying what I use.
There are way more technical ways to do this, but I like to use my eyes to scan sporadically throughout the day like a boomer.
*Basic Concept *
Long story short, you're ideally chasing the options purchases of what are, presumably, deep-pocketed individuals or institutions. UOA identifies certain options contract orders that are higher than the average daily contract order. For example, if the average daily option volume on an GME weekly is 4,000, and an option order enters for 4,000 or higher, it's flagged as unusual activity since it's a multiple of that daily average volume--sometimes it shows as multiple orders if "they" push through a few smaller purchases that produce heavy volume. MM are sneks who like to move in silence, which they can do with with stock positions via dark pools and the like. However, they can't get away with that with options activity--it all shows. That fact, young autist, is your slingshot against the institutional goliath.
*Hunting the Whale * So I've got my unusual options activity page open on barchart or wherever for the current day. I adjust the expiration date option so that the options I'm looking at don't expire past a couple weeks out (more on why later), then I'm ready to eye scan.
I typically start by looking for one of two things: 1) large clusters of orders that belong to one ticker or 2) sporadic orders for a ticker that consistently show up over a couple hours, but belong to non-hot, non-meme stonks that do NOT have earnings imminent. To make sure I'm looking at something potentially weird, I choose to exclude options that expire more than a couple weeks out.
*1) Clusters of orders—ABNB example *
The way I scope it is kind of a tiered process. First, I'm looking to see if there are any clusters of orders that catch my eye on a quick scan. Second, I'm looking to see if those clusters of orders contain both calls AND puts, with some OTM activity and spreads preferred. Third, I look to see if the number of seperate call orders outweighs the number of put orders (or vice versa), and additionally I look to see if the volume of the calls drastically outweighs the volume of the puts (or vice versa).
Why? Because it helps you determine if the options order is just a hedge, or if it’s hedging against itself as it’s own position. This is super important so try to follow along-- most UOA is just institutions hedging; Mr. MM has a nice, busy life and fancy yacht and can't just exit his positions back and forth all day like a WSBer. He also has like a billion shares of his stonks, so if he dumps it when he's got paper hands it will siginficantly tank the value and cause a ripple effect. So, instead of hedging by dumping his shit, he hedges by adding OTM options against his position--next level fucking diamond hands. That would be the type of whale order from Mr. MM we don't want to follow. But, if Mr. MM buys 4,000 FB call options in a few blocks, and you see like 1,000 in FB puts go through right alongside it, the odds are that someone is betting big on FB and using the puts as a hedge, since the puts represent a smaller volume in the call/put ratio. Instead of the options being a hedge for a bigger stock position they hold, these types of option clusters indicate that the option order itself is the big, independent play, and it's hedging itself with lower volume order vs the higher volume (4,000 calls to 1,000 puts).
Then I do an easy confirmation. I check the tickers general trend the past week or so in a chart, do a news search on twitter of their ticker for news catalysts and sentiment, and google and YouTube to see if the crayola kids think it's a good nerd play.
Example: Here's the screenshot on some ABNB UOA I noticed and played this week.
It went to 200% and change within a couple hours, but I had unfortunate diamond hands and sold for about half that. ABNB UOA
So, this a softball. First, you can see that ABNB all of a sudden explodes with all these options showing up at 12:52–that's our cluster. Second, the clusters have both calls and puts in that minute timespan, with some put orders showing at the bottom of the cluster. Some of the calls are deep OTM, as far as 200c. Third, the call orders far outweigh the put orders in both amount and volume. Awwwww shit, looks like we got more than a hedge—we’re onto something.
Confirmation time: ABNB had been on a general uptrend, and I typically don't like to chase, but I combed twitter and saw their were rumors of the CEO speaking the following day, and that news had just broken of their DC booking cancellations. I looked back into the morning, and saw a few more unusual blocks, and a few more rolled in just after the cluster pictured above. Passed the smell test. Options bought, tendies gained.
Sparse Orders: SNAP example
The same principles can apply to orders on tickers that pop up individual orders, not large clusters, which a) haven’t had much attention b) have been on a steep downtrend—this makes the order unusual, and/or c) seem to keep popping up in single orders over a few hours to a day.The same principles as above apply, but if you see these types of orders with very little time left until expiration, you can assume assume it's probably not a hedge. SNAP isn't the best example of the week because there wasn't a put order in this block. But, there was positive TA sentiment when I searched, SNAP had been on an oversold downtrend, and I don't have screenshots left of the better ones I saw and went after. Plus, importantly, IT WAS TOWARDS THE END OF THE DAY (this is huge, EOD is prime time for AH news whales) SNAP UOA
A better example from this week though is SPCE, which had only a few orders sprinkled throughout the day, and one toward the end of the day which was DEEP, DEEP OTM expiring 1/15. *That’s a flag for us—sporadic listing throughout the day, OTM toward the end of the day. * BAM! EOD SPCE OTM calls sprinkle in, ARK invests to kick off AH, SPCE moons.
Sparse Orders Patterns: Connecting the dots on tech rebound with FB and SNAP
Seeing the SNAP orders above sharpened my eyes that day to looking for a pattern with tech on the whole, since big tech had been so royally gaped the past week. I kept seeing FB options like this pop up https://i.imgur.com/muVGtq2.jpg
Sometimes you can put together sporadic listings and create a working theory based on a sector. Because this and similar FB orders were deep OTM and one day out, I knew there was a risk they could a hedge, but also knew that the tech sector was due for a rebound and saw SNAP posting sporadic OTM as well. So, I bought my options for each of those two another week out and closer to ATM (important, more below), to give the whale some breathing room in case was it was a hedge, even though the technicals agreed with the bounce. The whales were right, and it was an easy little overnight profit.
How I’ve Fucked Up 1: Don’t get tricked by trends
Although we like to believe institutions are ahead of the curve, often they are just trend-riding lemmings who follow what's already way, way up. They buy the top, just like WSB tardies such as yourself specialize in. So, when you see shit like this below, take a minute to think before you get excited: NIO UOA LIKE THIS WAS NONSTOP
It was the same for all the memes: PLUG, FCEL, MARA, and RIOT all week, dominating the orders. If something is already too popular, just stay away from it. You can ride something up, but when you see massive orders on shit that's already like 400% IV, just...don't.
How I’ve Fucked Up 2:*DO give the MM’s some breathing room
Even if you’re confident in a move you see that is a few days out, extend your play a week or two further out minimum, and strike it closer to ATM. If you can't do either of those things because you can't afford the premium just skip that play and check back for something new later; I promise a better opportunity will arise. You can recover from bagholding, but you cannot recover from blowing your account on an incorrect 0DTE.
Breathing room is also important because often whales will have the news but not the exact timing. Two months ago I followed a DDOG whale on a Thursday 1DTE that expired worthless the next day. The following Monday (1 trade day later) DDOG made the announcement that rocketed them like 20%--if I'd given them a week's breathing room, it would've been a 15 bagger. Fucking F.
So, to review: look for order clusters or sporadic ticker orders that a) have a mix of calls and puts with one dominating the other b) unpopular tickers that have deep OTM or close expirations c) always check chatter afterward and fundamentals and d) try to put together a narrative of things that are related that catch your eye (this Monday's EV run or this Friday's tech bounce could be next week's airline dominance or cruiseline craze--connect the dots). Initially look for options expiring soon, as they indicate the most riskiness--and therefore confidence--if the MM is not hedging. Shop with a short term eye, buy with a long term choice.
10 Things That Will Help You Not GUH:
1) Monday and Friday morning/afternoon are the most accurate whale times, according to data from Unusual Whales 2) If you don't have PDT always save some spending power for EOD shopping 3) If you don't have PDT never, ever follow a whale with a weekly. Sometimes the news the whale bets on is a 'sell the news' event, and you won’t recover from a drop especially if there is IV crush involved. 4) Always give the whale breathing room by purchasing an expiration at least a week further out 4b) Always give the whale breathing room by going closer to ATM strikes than theirs 5) Sign up for barchart monthly trial (then continue it) and unusual whales--they're each like 20 bucks and thats way less than you spend on an FD. 6) You don't need to learn TA, but you need to check technicals on the tickers you want to chase--almost every major ticker has youtubers or fintwits giving their daily or weekly TA. This way you know if it's a proper breakout happening if the whale hits, and you're not just guessing at when to take profits. Remember, whales can buy wayyyyyyy OTM and sell for massive profit at any point--they aren’t bagholding a call until it's in the money like you are. You may be 10% up waiting for the next 80% GME day while your whale has sold at their target 5% profits on the play and is chillin. 7) Leave at least 10% of your account spending power free each day. I promise, the one time you go full boat you will see the most obvious whale play at the end of the day. Then you won't be able to do shit about it and you'll hate yourself when it's a 10 bagger overnight. Trust me. 8) Make sure the ticker you're chasing isn't just ER anticipation/bets. Always check earnings dates before buying. 9) Remember whales are people, so they can be stupid, too. Don't baghold a position that is clearly fucked for some news that looks unlikely to come. They are gambling addicts just like you, except they have more money. 10) Always take profits if you ask yourself if it's time to. If it's good enough to screenshot, it's good enough to close the position. Positions: Dumped a ton of stuff and loading up Tuesday because long weekends scare me, but saw some ineresting 2/5s I held including WKHSc PLTRc SPYc (1/19, 1/22) LMNDp And a couple tickers that I couldn’t post lol. also have AAPL and JD leaps
TLDR Use a service to follow whales so you can get ahead of announcements. Look for clusters of options activity that hedge themselves via call/put ratio, and do a legitimate check for TA and catalysts to confirm their moves. Never follow a whale into a weekly, but use weeklies are your best screener.
I might do a pretty consistent DD post (a couple times a week) on what I’m seeing at the end of each day if there is interest, and if it’s not a day I don’t have a ton of real work. If something quick catches my eye I usually throw it up on my twitter @yourboymilt (there’s no notification thing on here mods, just trying to be helpful— not selling anything) I’ll also probably throw some more potential Monday positions on here over the weekend once I decide to do some more research. Later.

My family started in a trailer in a poor part of my city. First my parents had my sister, and then me a year later. My parents never married, but they tried to make it work for me and my sister's sake. They made it into an apartment, and then eventually worked their way into beginning to pay on the house my mom still lives in today. Up until I was about 10 years old, my father and mom stayed together in this house, and it was the definition of hell. Screaming/fights almost every day. Sometimes my dad would start it, sometimes my mom would, sometimes me or my sister. My dad has thrown me across the room, slapped and punched my mom multiple times, (my mom is 5'2', my dad is 6'3'). He has issues, some from his own father dying while he was young, some from using/selling coke and weed and drinking. My mom told me when I was young (maybe 7-8 years old) she was raped by two men in her home state of Oklahoma, and I don't think I really processed it well as a kid. Her dad also died while she was young, he fell to his death on a construction site.
Me and my sister both have mental health issues nowadays, but she did make it through four years of college, which is more than either of my parents or me did. I personally have really bad anger issues and anxiety, PTSD from close range shoot outs and robberies. I struggle daily with depression and suicidal thoughts almost every day. I sold weed at a pretty decent level for a long time, 6-7 years. I started around 16 when I realized my parents didn't really have the money they were giving me for my weed/drug habit. 20 or so dollars every day was adding up and they would tell me. My mom was a manager at a Texas roadhouse around when I was 8-9-ish years old, and she ended up getting in between two drunk guys that were in a bar fight and she got punched in her neck. She ended up getting a $50,000ish settlement, but had to have multiple surgeries and will pretty much always be in pain and will always have metal in her neck to the point where she can feel it when its raining outside. My mom has never been great with finances, so that money after bills went by very fast. She did use probably 20-30 grand of it on a new truck. An brand new F-150. Remember she's 5'2" lol. That was definitely a mistake, and I think she knows it, but I've never been good with money either. My father has always been broke, to the point where he would ask my mother for money for his own weed and bills. I'm not sure where my dad lives now, last I heard it was in the mountains in North Carolina. He left the house when I was around 10 like I mentioned earlier. He went to his moms house for a while and then moved out. His mom took care of us a lot of nights that they couldn't because of work or other things. She's the sweetest most Christian grandmother you could imagine. She had four kids, and then as I mentioned her husband (my dads dad) died of a heart attack while they were all still young. I can't imagine the pain, I'm sure it messed my dad up pretty bad. I think these things are important to understand though, because they help me see why they were always so mad and upset always.
So in comes when it started getting hard. I had almost no friends in elementary school, I remember getting a "red card" in maybe second grade for punching a kid in the back, yes the back, lol. Because he was literally just talking to a girl I had a crush on. I never really talked to girls then, I would just decide I had a crush on them. In second grade. Lol. He didn't even hit me back, he was kind of just like "What the fuck?" And then I just walked away until a teacher came up to me that's all I remember. I've always been a kind of small and skinny dude, and I especially was back then. In middle school I started making some friends but I was always annoying them because I was always asking to hang out and to come over to their houses. I remember my bus route used to go through the nicest neighborhoods on my side of the city, I'm talking retired NFL player nice. they make my moms house look like a shack, and I don't know if I realized it back then, but it was making me jealous. The friends I ended up making in middle school were not very healthy friends, we were always the loud and obnoxious ones. I got into a lot of trouble starting around this time, 7th grade. I spent almost half of my 7th grade year in In School Suspension, just staring at wall while "doing" class work. It was also this year toward the end of the year that I got into my first real fight. I was always outspoken, and so was this other guy, but he lived in a super nice house and was from a rich ass family. We had a social studies class together, and one day, I'm not even sure how it started, he started making jokes about my mother working at chick fil a. She got that job after her neck was healed up just enough to get a job. She had to get a job, as she was my house's income. She loved and still loves that job, she's a manager now. But back then and how he made fun of her in front of my whole class while my teacher just didn't do anything about it, I was just so mad. So I told him I was going to beat his ass and after class (and more trolling me) we met next to the side of the school and a huge crowd gathered to watch. A lot of people, not the whole school, but most of my grade, because we all exited the same door if you rode on the bus. I threw the first punch, missed, he grabbed my neck and slammed my head into the brick wall, I tried to throw another punch, missed, and I just yelled "stop making fun of my mom" grabbed my backpack and got on the bus, Just cried the whole way home, my sister on the bus was just wondering what happened. I've never been good at explaining my thoughts or feelings to people, so most people think I'm even more dumb than I actually am. I didn't tell my family about that fight for years, even though my sister did. I just will never forget it. I even tried to tell people that I didn't lose that fight even though everyone heard about it. I just couldn't come to terms with it. 8th grade I don't have many memories of. I was a goofball, and my grades were really slipping now, even worse than the year before. Most people just saw me as that weird kid who got his ass beat. I think around this time I started to get very, very cynical with my worldview and my attitude. I was always on the internet when I could be, playing shitty games on our homes only computer; a dell desktop, and reading stupid conspiracy theories. Later I would start gaming pretty hard, and I loved watching streams all the way back to the justin.tv days. My dad had a PlayStation 1, and I loved watching him play Call of Duty. It might be my only good memory with my dad, honestly, and he never got to play a lot. The internet and my cynical world view pushed me away from religion, even though my family was heavily Christian. Even before this though, I hated going to church. From a young kid onward every single Sunday was a screaming match between me and my mom about not wanting to go to church. Sometimes she would end up getting me to go, but that was less and less, and before even middle school I just stopped going completely.
So in between middle and high-school I started smoking weed, it made me some new friends and got me into hanging out at a park near my moms house. This park would end up being where I spent most of my next 6-7 or so years. Most people knew it was a druggie park, would call us all "park rats" and make fun of us for wasting our time and money doing drugs. But I gained more memories here than I could ever write down, I probably could make a book out of those memories. There were all ages of people there, some young as me, some mid 30s-40s, a lot of weed smoking teens, a lot of acid tripping hippies, some Xanax/oxy fiends, and even some meth and heroine people. Most days it was just normal people getting fucked up to enjoy their time, but there was always plenty of drama. This park was known not just on my side of town but through the whole city. its kind of tucked away in woods, sits on a lake, and has a small disc-golf course, so you'd even have a bunch of random (probably) sober people show up to play some days, but they usually stayed on their course and away from us, minus a few of them. I started selling weed when my mom started telling me no to my almost daily asks of 20 dollars. I look back and realize she just didn't have the money to support my habits, and I understand now. But once I started selling weed, I realized I could start eating when I was hungry, I realized I could get and smoke weed almost whenever I wanted to. Being at the park always made it easier to sell it too, because people knew to come there to find some weed. I met a LOT of people selling, and I mean a LOT. I started moving up to QP's (quarter pounds) on the front (pay back later) and always found myself 100-200 short on my re-ups, usually just from smoking too much and cutting too many people deals, Like I said never been good with money.
Then the serious shit started happening. I was maybe 17-18 when I was at my weed guy's small apartment downtown one day. I always liked going over there, not only because I knew we'd be smoking a lot, but because me and my plug were close, I looked up to him, and we had a decently similar shitty upbringing. One day, I get a call to come chill downtown at his apartment, even had two of our friends come pick me up from the park and bring me there. Took fat dabs on the way (THC oil/wax) and when I got there he surprised us with sheets of Gel-Tabbed Acid. Strong shit. I took my usual 2 doses, I was known for tripping a lot back then, haven't tripped since this day. It was going to be a "No Traffic" day, meaning no sales in his apartment so we could just smoke and enjoy our time. His girlfriend at the time had arranged a deal between him and 3 people he did not know. A young (17 at the time) girl, a mid twenties white dude, and a mid twenties black dude. What we didn't know until after this, was they had set this up, and once inside (mind you we were tripping pretty hard at this point), the white dude and the black dude pulled a gun on my plug and my plug instantly pulled his and fired back and 20-30 shell casings later everyone ran to get out. This was a very small apartment. I mean very very small, 7 or so people all feet away from each other. I was literally sitting on the floor because there weren't enough chairs for everyone, even before the 3 robbers came in. I ducked behind the chair I was sitting next to. One of the people that drove me there got shot twice, once in the thigh and one through the side of his asscheek, no joke. The white guy who was robbing us took at least one to the chest, and was also crushed underneath us all as we all ran out and flooded the small staircase down, I could not describe to you how twisted and contorted his body was, and I had no doubt he was dead. I ran to find my plug, I'm not sure why, but I saw somehow he had made it all the way to the other side of the street already, and was on the ground. I ran up to him, not wanting to touch him, and told him an ambulance is coming and not to worry, he was laying there bleeding out of his mouth and chest with what I later found out were SEVEN BULLETS IN HIS CHEST. I watched him die, or so I thought. I yelled for someone to call an ambulance and when I saw some random student walking past was doing that I ran away and back to the two friends who had drove me there. They were freaking out, it was a dude and a girl, they were a couple at the time. The dude had just gotten shot two times. His girlfriend needed me to go back in and grab her purse and phone that were left in the chaos, I said no at first, but she begged me so I ran back to the staircase and over the white guy on the stairs who had robbed us, I definitely thought he was dead the way his body looked. I went back up the stairs and into the apartment and grabbed the phone and purse and all I could see was blood and holes everywhere, it was disgusting, and it makes me tear up while I type this. I got back into the car and they drove to the nearby hospital (The guy that got hit twice actually drove, believe it or not) and I got out of the car right before they pulled into the hospital.
I'm 23, and besides these last two years, I have been on probation/in legal trouble my whole life. When I was a juvenile, I was on Show-Cap probation, where a cop would most nights come check and make sure I was at home. A cop would wake my whole household up at anywhere from 10PM - 2AM just to make me show him a card I had and then would leave, almost every night. During the shooting I was talking about, I was on Show-Cap probation. That's why I got out of the car at the hospital. I wasn't supposed to be around certain people or things like guns, legally. I got out of my friends car and walked (still tripping balls) to a McDonalds a few blocks away, sat down, and called a friend, crying the whole time, and I just remember seeing black around the edges of my vision, like I was either dying or falling into a like dark area of some kind, definitely losing it to the drugs at this point. I got picked up and drove back to my moms house, I told the car full of people I was with what had happened and they couldn't offer much aside from positive words but I will never forget at least they came and got my ass quick. That was some real friend shit. I cried and cried the whole way back to my moms, got dropped off, and like clockwork a few minutes later my mom got home. I told her something had happened (but not the whole story yet) and I felt like I was going to be in a lot of trouble. About 30 minutes later, maybe in total 1-2 hours after the shooting, a black SUV pulled up to my moms house.
I had to go downtown, I will say my mom even made me one of the Sur-gel drinks I had been using to pass drug tests to drink during the car ride there. They weren't even trying to drug test me, I didn't ask her to, she was just that cool I guess. I rode an elevator up a huge building and they sat me down with two cops who were pretty convinced this was my doing in some way. They kept asking me why I had been talking to my plug that day and when I said I hadn't, they pulled up my phone logs and texts. So they not only knew about my outstanding legal issues, they also knew I was lying. I really was just lying because I thought just being there was going to violate my probation. They had me on camera every single step from leaving the car at the hospital to walking into the McDonalds. They really wanted to blame me, they even told me my friend (my plug) was dead and it made me cry and cry and cry and cry. In the end, they couldn't hold me there. They forced me to point at a picture line up of people but I told them over and over I didn't know what they looked like and that you shouldn't use what I say because I just didn't know. Whole time during all of this 3-4 hour interrogation, they yelled and screamed at me and at one point left me in the room for maybe 2 hours while I just cried and cried. They were probably just watching what I would do when alone. I was still tripping acid, hard, and just felt like death was all around me. All I could do was cry.
Like I said, they released me to my mother. They obviously had no evidence against me, but one thing that they asked me during the investigation was why was my plugs girlfriend outside talking to the 3 robbers (juvenile girl, white guy, black guy, the juvenile girl ended up getting some lesser felonies but she didn't have a gun or shoot anyone, she just tried to block the exit at first). That was enough for me to put together that she was behind this, set him up to have him robbed. She probably just expected my plug to just give up his shit without a fight, but no, no he would never just do that. Obviously this whole situation fucked me up pretty bad mentally. For weeks I thought my plug was dead. Until one day he literally just called me out of the blue. Told me to come see him at his moms house. I'm telling you, this was my brother. Got in my car and went to go see him. When I got there I tried to hug him but he said he couldn't hug anyone, he lifted up his shirt and it was like a Frankenstein stitching all across his whole chest. If I recall it was 8 bullets that hit him in total. He had to use crutches and a wheelchair to move around the little bit he could. He only has one lung now, and will never move the same. It was a miracle, but no one died during that shooting, not even the white guy robber, who was shot in the chest and trampled over on the staircase. The white guy (I keep saying white guy and black guy just because I'm not trying to give out names, I hate all people equally) ended up pleading guilty and sentenced to 30 something years in jail. The black-guy robber took it to trial and WON. No fingerprints on his taped up shitty little .22 caliber pistol. Jury found him not guilty, and he is a free man to this day. Plug's girlfriend that set it up was never even charged as an accessory, but she did violate her adult probation by being there. As if that's all she deserved. This is a true story, google Fort Sanders shooting, It'll come up. The only reason my name wasn't in the articles was because I was 17 years old at the time. Not even an adult yet.
They subpoena'd me after the shooting to make sure I'd show up to court or to trial. It wasn't until 4-5 years later the black-guy robber had his trial. By this time I had moved up a lot in the selling game, my plug (same plug) had moved out to the west coast to step up his game as well. Had my own house I was renting in my hometown, Knoxville, TN. Nice car, shitty (but real) diamond ring, bunch of shoes and clothes, 2 shitty cars. Tons of memories, good times and bad, important memories in between then and the trial. I've had a lot of friends die that I went to school/smoked with, especially when Fentanyl started coming around. From what I've heard that's a problem a lot of people share, fuck Fentanyl. I have done most drugs, but luckily I was just smart enough to stay away from shit like heroine and meth. (not to say Knoxville powder wasn't dirty, because it was) I just really liked weed, it has always calmed down my bad emotions from my childhood and from the events I've been through, I don't get to smoke a lot anymore, mostly because I am poor again now. Its still Illegal as fuck in my state too, but that's another story.
I declined to testify at the trial of the black guy robber, and they never asked me to testify at the white guys trial because he didn't have one, he plead guilty. I decided not to testify because of multiple reasons, one- I hate cops, and law enforcement. I understand some are actually decent people. But go through a day in jail without food, because they CO thinks you're lying about not getting a tray, and ask me how you feel about cops after. Go through getting kicked out of your high school during your SENIOR YEAR because someone told some teacher you had weed in your car. I got pulled out of class by cops and arrested, and my car wasn't even on school grounds. Cops used to roll through the park I grew up in and would get out and do pat downs on whoever couldn't run away in time. These things and many more have made me hate cops, and yes, I still to this day hate cops. Is me not testifying the reason one of the robbers walked free? Maybe. But I certainly had no new information to tell the jury they didn't already know. Especially if the no fingerprints on the weapon they recovered was the reason they acquitted him. Who knows, maybe me going in there and crying like a bitch or something would've made it the jury see the truth. Either way it does weigh heavy on my heart but even my plug didn't blame me for not testifying.
During and before and after the trial, me and my plug were still at work. This is when I had moved into my house I rented, after living in a shitty apartment. I fully furnished it and everything. Washer, dryer, Ps4, Xbox 1, queen sized bed, the works. Even the little shower floor mat, I loved that home.
Fast forward to early covid 2020, my plug was starting to get annoyed with me. I was always asking him about the next pack coming in, always wanting as much of it as he could get to me, and I was always on him about the quality of it, even though it was always above average and most of the time it was top shelf. He ran into some legal trouble driving through Texas, that and along with a few other things happening in his personal life, work for me started slowing down. I never was good at saving money, I knew I should, I'd always beat myself up for not having money when I needed it, but I just never could change my spending habits. I'm still not sold on the whole "trying to be something you're not" argument because I've never had to fake anything. Most of the people I was around have heard from others what I've been through. At one point people were driving 2-3 hours just to pick up from me. I've been robbed plenty of times and I've robbed others. One things for sure, if karma is real, then I've definitely paid my dues. I haven't been selling now or have been in any legal trouble for the longest stretch of time since I started it all almost 8 years ago. And yes, I am proud of that.
Almost all of the friends I've ever had have either robbed me or wronged me in some way, or I've cut contact for my own issues or reasons. As of today, I have one friend that lives in Ireland, and he's a great friend, but he's got his own life to live. I got evicted for giving a bad check to my landlord, 3 weeks before they did the eviction halting for covid, which is still active today. Unlucky for sure, but my fault nonetheless. Finding somewhere to live has always been a challenge for me because of my lack of provable income. Today I have decent credit, a credit card, and a few thousand dollars I have invested in my Robinhood account that I seem to keep losing and gaining back. I stream on Twitch, but my last stream I just sat and cried for like 2 and a half hours, its still the latest stream on my channel. No one wants to follow me or give me a chance, which I understand, I probably could make it work if I grinded harder and harder at it, its just depressing as fuck to sit there and talk to yourself for hours at the beginning.
Todays' (1/28/2021) events in the stock market made me write this. Me and my mom keep fighting and its BEEN PAST the time I move back out again. No one will lease to me. She wont even stay here until I leave, as of this last week. I'm waiting on my new debit card to get here in the mail, and whether I have somewhere to go or not, I told her I'd leave when it got here, I have been homeless a few times, lived in my car, extended stay hotels, other peoples' couches. Its hard, but I know that I can make it fine. Today I woke up and had $20,000 in my investments, up from $1,100 I started with at the beginning of January 2021. I finally felt a little bit positive about my future at least a little bit, after a very depressing Christmas and January. Then Robinhood and other brokers today cut off buying GME, AMC, and others. I was heavy into GME, having gotten in @ $69 (lol) dollars a share. It was $450+ per share this morning, after a week of mainstream media attention from every social media website, major TV news stations, and billionaires like Elon Musk, Mark Cuban, that Chamath guy (who seems awesome) and many more. Robinhood and a couple other brokers actually turned off the ability to buy the stock. Literally. All the stocks that were heavy volume "meme stocks" they cut off. I was in GME and AMC, but even Blackberry, Nokia, and others were cut off too. Needless to say, after the whole week of manufactured panic from all of these different sources, this straw broke the camels back. GME at this moment is trading @ 225, and I sold mine when I opened my app and saw it at 155, which was the lowest dip of the day. I came out in the green, I came out making a $1,500 or so dollars. But my portfolio by the time I cut AMC losses went from $20,000 this morning, down to $5,000 as I type this. I have never wanted to kill myself more than I do right now, mostly because this week it felt like I really earned this. I stayed diamond hands (held through the media pressure) through this whole week, only to give up at the end. It will hurt even more if GME recovers from this dip, but It's not because other people are making money without me, its because I could've used that money to move out, get some food to eat, get a new car that doesn't leak through the roof in case I'm living in it here in a couple days. And more importantly, I earned that money. I noticed the momentum before it even touched 40 a share. I've watch DFV's (roaring kitty on YouTube) 5-6 hour livestreams where he was going over the financials and spreadsheets of GameStop back in fucking 2019. I believed in this play and threw the money I had at it, and it should have worked out at least better than it did, I was planning to exit or at least hedge my earnings tomorrow, when shorts have to cover. But when I stepped away to eat lunch and take a shower because of how stressful this morning this morning was, I came back, opened my phone, and I was $15,000 down. So yes, my diamond hands failed. I sold. And while I still had a gain, its not at all what it should rightfully be. I can't even bitch and moan in the Wallstreetbets subreddit because apparently me being a lurker for a year isn't enough because of all of the newbies in there from all of the media attention.
So to finally wrap this up, I feel like I tried my best in this life. I haven't always been a good person, but not once have I thought to myself that I was evil. I'm too nice sometimes, and its gotten me fucked over, and I'd still go back and front friends weed or give them money/weed for free because I'm just not having fun unless people around me are too. Everyone's struggling in their own ways. I do not want to live on this earth any longer. I wrote this to at least explain to everyone what happened to me. And while I left out some very important parts in my life, this should give you a summary of what was going through my mind today. I really have been a good human being these last 2 years. Maybe I'm greedy for not selling earlier today. I was just so caught up in finally "sticking it to the man" and making the best play I've ever made I didn't want to feel like they would win by making us sell. I didn't even come out in the red, but goddamn it feels like I lost everything. I don't want you to feel sorry for me, just learn from my mistakes and take care of yourselves. You have to be stronger emotionally than I was. Move out of the U.S. if you can, its just greed and money that rule here. Maybe nowadays that's just everywhere.
Thank you to anyone that for some reason read all of this. To my dead friends Tad, Pmoney, Cierra, Raegan, Tina, I miss you guys and you better have a blunt for me when I see you all soon, I could really fucking use one about now. Much Love, - Bleezy