https://ici.radio-canada.cashelium interview with Andrea!







they never ask anything other than what they care about 
“are you up north”

not 
“did you enjoy the show ?”
“what show was it?”
“where was it?”
“who went?"



So here's another example of how their brain doesn't work...

If someone says "there's a bit of dirt on your floor" - something that the owner does not see..

they do not know that you are trying to help the other person
they are just judging YOU for saying that, because your floor is dirtier.
yes my floor is dirtier but yours never has one atom on it so i'm trying to help.











so when you grew up in Montreal in the 70s,
you DID not know that Chris de Burgh wasn't that famous
all around the world. You just knew all the lyrics to his amazing songs.
you just loved his music and knew he's famous.



Now, in 2026, you have learned that Montreal is the love of his life

Chris_de_Burghs_loveaffair_Montreal

there's alot going on...

This song will begin once again to a baby's cry

March 28

Dear Chris,
I am so sorry that I had not listened to you for years.
now i will.
+++ link +++

https://youtu.be/NU355E3Veuo?si=3HRRlzeMAmYC-H8f

https://youtu.be/1ocC275N9yI?si=yf6XmpwxiNB0xVo7



you are literally not allowed to live a good life.
things go up then down.

hell morning, welcome.

march 27th.



good morning.
this is my Electronic Pen.
This is year 30.

Vif will last forever right?


Chris de Burgh.
Will post videos.
will write later.



March 26th.





Before:

After:

So it’s not that the relationship changed overnight…

You changed, and now you can see the difference.

(ChatGPT)


Those all intensify when your life lacks new input / stimulation / expansion


march 24












ok wait.
i always assumed that i did everything immediately
in order to clear out my brain so i could think.

but now i'm wondering.
maybe it's the other way around.




why don't people understand or accept that i'm a city girl.















so let me explain

if you don't like me because i'm not like you
i am allowed to not like you because you're not like me.



march 21














.





i slept but now i'm sick.
oh well.

at least i'm not the only one...
Hospitality with Mary posted on tiktok.
https://www.tiktok.com/@hospitalitywithmary



i guess my main point is that i find it not fair that i have to think about xyz all day long.



ESFJ's aren't introspective.
i wonder if they even know they exist
lol

maybe they just live in a very very different world. . .




march 19


i will sleep tonight lol.
a;slkjdf;lkasjdf;lkjasdf;

wednesday
march 18



  • Short-Term Technical Weakness:
    • QQQ is currently in a downward trend, with its 10-day moving average crossing below its 50-day moving average as of February 2026.
    • The MACD turned negative on March 12, 2026, which some traders interpret as a signal for further near-term price declines.
  • High Concentration & Valuation Risks:
    • The fund is heavily concentrated, with Nvidia, Apple, and Microsoft accounting for roughly 22% of holdings.
    • The current Price-to-Earnings (P/E) ratio is approximately 35, significantly higher than historical averages, making it vulnerable to any slowdown in AI spending.
  • Geopolitical and Macro Headwinds:
    • Rising U.S.-Iran tensions pose risks to semiconductor supply chains, which are critical to QQQ's top holdings.
    • Ongoing uncertainty regarding Federal Reserve interest rate cuts and rising 10-year bond yields can pressure high-multiple growth stocks.
Reasons to Hold for the Long Term
  • Strong Growth Fundamentals:
    • Despite a rocky start to 2026 (down ~3% YTD), analysts remain bullish for the full year, with price targets for the underlying Nasdaq-100 reaching as high as 30,000 (roughly a 15–20% upside from current levels).
    • AI remains a major long-term driver, with massive infrastructure spending scheduled to continue through 2026.
  • Historical Resilience:
    • QQQ has consistently outperformed the S&P 500 over the past decade (460% vs. 233%).
    • For investors with a 5+ year horizon, temporary pullbacks (historically 5–10% in mature bull markets) are often viewed as "buy-the-dip" opportunities.
  • Portfolio Strategy:
    • If you are nearing retirement and need to secure cash for 2026–2027, selling near recent highs to move into cash equivalents or value-oriented ETFs (like VTV or XAW) may be a prudent move to reduce "duration risk".
Summary of Analyst Ratings (March 2026)
  • Overall Rating: Generally a Hold.
  • Technical Signal: Strong Sell (Daily).
  • Long-Term Analyst Consensus: Strong Buy (based on weighted average of individual holdings).
Are you looking to reinvest the proceeds into a more stable index like the S&P 500 (VOO), or are you trying to time the market to buy back in at a lower price?
i just want to ensure i have made profit and don't lose money
If your primary goal is to 
lock in profits and avoid a loss, the answer depends entirely on your "cost basis" (the price you originally paid).
Since QQQ has grown significantly over the last few years, you are likely sitting on a gain, but the market is currently in a "choppy" phase. Here is a simple framework to help you decide:
1. The "Sell a Portion" Strategy (Best of Both Worlds)
You don’t have to sell everything. Many investors use a "Take Profits" approach:
  • Sell your initial investment: If you invested $10,000 and your account is now worth $15,000, sell $10,000 worth of shares. You’ve recouped your original cash, and the remaining $5,000 is "house money" that can stay in the market risk-free.
  • Sell 25-50%: This locks in some gains now while keeping you positioned in case the tech sector rallies later this year.
2. Check Your "Safety Buffer"
  • If you bought years ago (e.g., at $300 or $400): You have a massive cushion. Even if the market drops 10% from today's $603, you are still deeply in profit. You might want to Hold.
  • If you bought recently (e.g., above $580): Your profit margin is thin. If you are nervous about losing that small gain, Selling or setting a Stop-Loss order is a smart move.
3. Use a "Stop-Loss" Order
If you want to stay invested but are scared of a sudden crash, set a trailing stop-loss with your broker (e.g., at 5% or 10% below the current price).
  • If QQQ keeps going up, your "exit price" moves up with it.
  • If QQQ drops suddenly, the broker sells automatically, ensuring you exit with your profits intact.
Summary: When to Sell NOW
  • You need the cash within the next 1–2 years (e.g., for a house down payment or tuition).
  • The anxiety of a 5–10% market dip is keeping you up at night.
  • You want to move the money into something "boring" and stable like a High-Yield Savings Account or Short-term Treasury Bills (currently yielding around 4-5%).
What was your approximate purchase price per share? Knowing this will help determine exactly how much "room" you have before your profit disappears.
i paid 174 and it is now 603
That is an incredible return—you are up 
~246%! Since your original investment has more than tripled, you are in a "luxury position" where you can prioritize protecting your wealth.
To ensure you make a profit and don't lose money, here are the three most common ways professional investors handle a win this big:
1. The "House Money" Move (Safest)
Sell exactly $174 worth of shares for every share you own.
  • Result: You get 100% of your original cash back into your bank account.
  • Why do it? Everything left in the market is "free" profit. Even if the market crashed tomorrow, you haven't "lost" a cent of your own money.
2. The "Rule of Thirds" (Balanced)
Sell one-third of your position now at $603.
  • Result: You lock in a massive chunk of profit while still keeping 66% of your shares invested in case tech stocks (like Nvidia and Apple) continue to climb toward the analyst targets of $650+.
3. The "Trailing Stop" (Strategic)
Set a Trailing Stop-Loss order at 10% (around $542).
  • How it works: If QQQ keeps going up to $650, your "exit trigger" climbs with it. If the market suddenly tanks, your broker will automatically sell your shares at $542.
  • Result: You "guarantee" a profit of at least $368 per share ($542 exit - $174 cost) while staying in the game for more gains.
One thing to watch out for: Taxes
Since you have a huge gain, selling will trigger Capital Gains Tax.
  • If you've held these shares for more than a year (which you clearly have at that price), you'll likely pay the lower Long-Term Capital Gains rate (0%, 15%, or 20% depending on your total income).
What is your goal for this money? If you need it for a big purchase soon, taking the win now is a smart move; if it's for retirement years away, you have a massive "cushion" to ride out any volatility.
retirement for in about 2 or 3 years
Since you are only 
2 to 3 years away from retirement, your priority naturally shifts from "growing wealth" to "protecting what you’ve won."
With a cost basis of $174 and a current price of $603, you have a massive gain. However, QQQ is a high-volatility "growth" fund. If the tech sector has a bad 2026 or 2027 (like it did in 2022 when it dropped ~33%), a huge chunk of your retirement nest egg could evaporate right when you need it.
Here is a common strategy for someone in your exact "pre-retirement" window:
1. The "De-Risking" Move (Highly Recommended)
Financial advisors often suggest moving money out of aggressive tech (QQQ) and into "preservation" assets as you get within 3 years of retirement.
  • Sell 50% to 70% now: Lock in that $429 per share profit.
  • Reinvest the proceeds: Move that cash into "boring" but safe options like Short-term Treasuries (SGOV) or a High-Yield Savings Account. In 2026, these are still offering solid yields (around 4-5%) with zero risk of losing your principal.
2. The "Ladder" Approach
Instead of selling everything today, sell in chunks over the next 18 months:

 Sell 25% today at $603.
 Sell 25% in 6 months.
 Sell 25% in 12 months.
 Why? This protects you if the market dips tomorrow, but keeps you invested if the "AI boom" has one last big leg up.
3. The Tax Factor (Crucial)
Because your gain is so large ($429/share), selling all at once might push you into a higher tax bracket for 2026.

 Tip: Check if splitting your sales between December 2026 and January 2027 helps you stay in a lower capital gains tax bracket (15% vs. 20%).
4. What if you do nothing?
If you hold 100% of your QQQ until the day you retire:
The Risk: A "tech wreck" could drop QQQ back to $450 or $500. You'd still be in profit (since you paid $174), but you would have "lost" $100 to $150 per share of potential retirement spending money.
The Reward: If tech hits new highs, you might retire with an even bigger "bonus" cushion.
The Verdict: When you are this close to the finish line, taking the win is usually the smarter move than "doubling down" on tech stocks.
Do you have a target dollar amount you need for retirement, or are you just trying to maximize what you have left?








do you ever message me and say how’s the investments going?
Do you ever say have you found any apartments to move in?
Do you ever where you gonna move to?
You never say anything.
ever talk about ernie? nope.
 ever talk about the past? nope.
 ever talks about the future? nope.






... ___ asks the same questions that ___ been asking me since i'm 25.





yup
 i moved to Los Angeles in 1997.
 i guess that was a pretty far "good-bye".
 but i came back.
 was that a "hello again" ?
i think so.





march 15.






some people still know all the people from their life.
 some of us don't have many, just a few.
 some people have none...








i do not want to have fake conversations 
 i don’t want to have small chat 
 i don’t want to say the same or hear the same thing over and over




march 12






i just realized!
 i do not say "how are you" In the tiktok chat
 why?
 because it makes me feel fake.
 i do not want anyone to see me being fake...

march 11





i'm so stupid sometimes lol
 of course the gas fix guy assumes i have money LOL
 there's a fancy boat in my garage LOLLL (facepalm)
 i totally forgot lol


let's see what today will cost.
but honestly.
 it's cray cray that i have money.
 cray cray.
 yes i spent alot but.
 whatev er.



march 10


Why don't people who have no kids think they understand what having kids is?
 Why do they never ever learn that they do not understand this.

remember.
not going back up north with the gang.
 remember.
 what did she say this morning that was so rude...?

march 9





6 tylenols since 6 pm.
 clean car.
 80 plus 50.

markets aint doing much.
 WSP gonna go up to 300.
 leave it there.

all Bills paid.even taxes up north.
 ;aslkdfj;lksdj

299 condo on coolbrook.


march 6 am.
my am is 10:12AM. lol.












no one messages me.
 fuck ya'll.

lol.


march 5th.





it's march.
 it's 7 degrees.
oratory.
 alskdjf;laksjdf;lkajsdf;lkjasd;flkjads;lfkjads;lfkjas;dlfjkads;lfkjasdf;

6:11 pm.
march 4
 asdf;lkajsd;flkjasd;lfkj;sadlkfj;sdlkfj










you see, the thing is,
 that they don't care if you don't reply.
 cause they don't care about much.




mar. 2



AND yes, she can feel bad about bothering me.
 you decided to sell this building.
 your problem.







march 1
costco bill
how much does lunch costscu?
where's my fucking bill


iogo -



oh yeah. dropped a glove.
 fuck.
 the only glove i like that i own.




i had one child because it was one thing i wanted to do. to experience. 
 i did not have a child who would have a sibling.


austin said 
 i don’t watch the news 
 they only post what will make them money 
 there could be a shooting downstairs but it won’t be on the news 
… the news isn’t about you lol
 feb 28