ETF market
SPY/QQQ Plan Your Trade For 4-15 : BLANK pattern day.As I stated in this video, last night I looked through the data and could not find any reference for this pattern going back more than 11 years. Same thing for tomorrow's pattern.
That means these are very RARE pattern setups and we'll have to watch to see how price action plays out today.
If there were no reference points over 11+ years of Daily price data (more than 2500 Daily Price Bars), then this is something very unique.
I believe today will act like a Reversal Bar. Potentially rallying off a lower opening price and setting up a type of Gap Lower Rally type of pattern - but that is just a guess.
At this point, trade smaller quantities until we see how price reacts this morning.
Gold and Silver make a BIG MOVE overnight - breaking above the $3300/$33 levels I suggested were critical psychological levels.
This is an INCREDIBLE rally in metals (thanks, China).
At this point, if you were long metals like I was, you can thank me all you want.
Be aware that metals will likely pause a bit above this psychological level, then start to move higher again.
The next big target is $3600-$3750 for Gold.
Bitcoin is doing exactly what I stated it would do - rolling into a top as demand for BTCUSD wanes. I believe the next low for BTCUSD will be closer to $60k-$63k. Pay attention.
Going to be a good day for everyone holding Gold/Silver/Miners CALLS (like I kept suggesting).
GOT SOME.
#trading #research #investing #tradingalgos #tradingsignals #cycles #fibonacci #elliotwave #modelingsystems #stocks #bitcoin #btcusd #cryptos #spy #gold #nq #investing #trading #spytrading #spymarket #tradingmarket #stockmarket #silver
SPY Weekly Options Trade Plan 2025-04-15AMEX:SPY SPY Weekly Analysis Summary (2025-04-15)
Below is an integrated view of the models’ findings:
─────────────────────────────
SUMMARY OF MODEL KEY POINTS
• Grok/xAI noted that on very short timeframes the price is a bit below key 5‑minute EMAs and near lower Bollinger Bands—with RSI and MACD giving mixed signals—but on the daily chart some bullish features (price above the 10‑EMA, a slight MACD bullish grace, and a max pain level at $549) hint at a potential mean reversion. Their “if forced” ramp suggested a call at the $549 strike, though overall confidence was low (≈55%).
• Gemini/Google’s report highlighted conflicting technical readings – the M5 setup looked bearish while the daily chart showed a little bullishness. Their integration of high but falling VIX and options open‑interest levels led to an overall neutral/unclear reading. Their recommendation was to refrain from entering a directional trade at open.
• Llama/Meta leaned toward a moderately bearish reading based on the short‐term indicators (price below key EMAs, bearish MACD on both charts) despite some daily support. They specifically recommended buying the $537 put option (even though the premium is higher than the “ideal” $0.30–$0.60 range) with a target profit roughly 50% above the cost and a stop when SPY breaches an upper resistance level—backed by a 70% confidence level.
• DeepSeek also synthesized mixed timeframes – pointing out that while the market holds some daily support, the intraday picture is muddled by technical conflict, expensive premium costs for the moves required, and time decay factors. Their view was to wait rather than initiate a new position.
─────────────────────────────
2. AREAS OF AGREEMENT AND DISAGREEMENT
• Agreement: All reports recognize that SPY (about $537.61) is trading near key short‑term support levels with significant options OI clustering. The falling VIX is universally noted as a positive sign for reducing fear even though overall volatility remains high.
• Disagreement:
– Grok’s report and to some extent the daily charts hint at a slight bias to the upside (supported by max pain at $549), suggesting a potential call wing trade.
– In contrast, Llama/Meta’s analysis and the very short‐term indicators (M5, lower Bollinger band, bearish MACD) point toward a bearish bias, recommending a put trade.
– Both Gemini/Google and DeepSeek, however, find the technical signals too mixed to have high confidence in initiating any naked single‑leg weekly option trade at open.
─────────────────────────────
3. CLEAR CONCLUSION
• Overall Market Direction Consensus:
The models collectively paint a picture of uncertainty. There is no clear, high‑conviction directional bias at the open. The short‑term (intraday) technicals lean bearish or at best neutral, while the daily chart and max pain argument hint at a potential slight mean reversion. Given these conflicting signals, the overall market direction remains neutral/unclear.
• Recommended Trade:
Based on the clash in opinions—only one model (Llama/Meta) would go short (with puts) while two models (Grok/xAI and Llama/Meta) suggest if forced a trade—and given that the majority (Gemini/Google and DeepSeek) advise against trading in the current conditions, the consensus is not to enter a new weekly options position at the market open.
– Strategy: Single‐leg, naked options (calls or puts)
– Expiration: Weekly options only (expiry April 17, 2025)
– Premium: Trading ideal premium range is $0.30–$0.60, but neither candidate in the call nor put space meets all our criteria with high conviction
– Entry Timing: At open would be the plan if a trade were to be placed
– Confidence: Overall confidence in any trade is low (<60%)
• Key Risks and Considerations:
– The short‑term technical indicators (lower EMAs, bearish M5 MACD, tight Bollinger bands) could trigger a whipsaw if SPY moves sideways or reverses abruptly.
– The high but falling VIX signals that although volatility is subsiding, levels remain elevated.
– Time decay (theta) on weekly options is significant at the open, and the probability of a strong directional move is diminished without further confirmation during the session.
– Conflicting signals between daily trend (some bullish pointers) and intraday behavior reduce the reliability of a directional play.
─────────────────────────────
4. FINAL RECOMMENDATION
Given the model consensus with mixed and conflicting signals, the recommendation is to NOT trade weekly SPY options at market open today.
─────────────────────────────
TRADE_DETAILS (JSON Format)
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"expiry": null,
"confidence": null,
"profit_target": null,
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Disclaimer: This newsletter is not trading or investment advice but for general informational purposes only. This newsletter represents my personal opinions based on proprietary research which I am sharing publicly as my personal blog. Futures, stocks, and options trading of any kind involves a lot of risk. No guarantee of any profit whatsoever is made. In fact, you may lose everything you have. So be very careful. I guarantee no profit whatsoever, You assume the entire cost and risk of any trading or investing activities you choose to undertake. You are solely responsible for making your own investment decisions. Owners/authors of this newsletter, its representatives, its principals, its moderators, and its members, are NOT registered as securities broker-dealers or investment advisors either with the U.S. Securities and Exchange Commission, CFTC, or with any other securities/regulatory authority. Consult with a registered investment advisor, broker-dealer, and/or financial advisor. By reading and using this newsletter or any of my publications, you are agreeing to these terms. Any screenshots used here are courtesy of TradingView. I am just an end user with no affiliations with them. Information and quotes shared in this blog can be 100% wrong. Markets are risky and can go to 0 at any time. Furthermore, you will not share or copy any content in this blog as it is the authors' IP. By reading this blog, you accept these terms of conditions and acknowledge I am sharing this blog as my personal trading journal, nothing more.
SPY Hits Critical Gamma Level at 533 – Breakdown or Bounce? Market Awaits Trigger 🎯
🔮 GEX (Gamma Exposure) – Options Sentiment Analysis
🔥 Gamma Hotspot at 533 – Dealers in Trouble Below
* SPY is sitting right on the highest negative NET GEX zone at 533.57, indicating heavy dealer long gamma exposure.
* If price holds above, dealers may stabilize the market — but if 533 breaks, the path toward 530 and possibly 519.92 opens quickly due to forced hedging.
📉 Call Walls Block the Path Above
* CALL resistance stacks from 536–538–540, with a gamma ceiling forming around 538, where net positive GEX peaks.
* Above that, 544–545 is a tough zone to reclaim short term unless a macro tailwind hits.
📊 Options Sentiment Snapshot:
* IVR: 44.2 → Volatility expectations are moderate but stable.
* IVx avg: 29.7, dropping –16.08%, suggesting traders are defensively positioned with volatility being sold.
* PUTs 96.8% → This is extreme — a highly bearish options environment, making SPY susceptible to gamma-induced plunges if price cracks lower.
🎯 GEX Flow Outlook:
* Below 533: Fast move to 530, then potential gamma landslide toward 519.92 and beyond.
* Above 536: Bulls need to reclaim VWAP and move toward 538+ to flip gamma positioning and trap short hedgers.
🕰️ 1-Hour Technical Analysis
Trend:
* SPY broke down from a rising wedge and lost EMA/VWAP support on accelerating volume.
* Price is hugging the lower channel support — breakdown is in play unless a fast reversal occurs.
MACD:
* Weakening with a bearish crossover — confirms downward momentum building.
RSI:
* Falling under 40 with no bullish divergence — sellers still in control.
Key Levels:
* Support: 533.5 → 530 → 519.92 → 485.26
* Resistance: 536 → 538 → 544.62
🧠 Final Thoughts:
SPY is teetering at a gamma tipping point. With over 96% of flow favoring PUTs, dealers are in a short gamma setup — and price under 533 risks triggering a cascade toward 530 or even 520 if broader indices follow.
However, if bulls can reclaim VWAP and 536+, a reversal squeeze could target 538 or higher.
Stay nimble — this is a GEX-powered market waiting for its next catalyst.
This analysis is for educational purposes only and does not constitute financial advice. Always confirm with price action and use proper risk management.
QQQ Breakdown Incoming? Gamma Pressure Exploding at 452 🔮 GEX (Gamma Exposure) – Options Sentiment Overview
🔥 PUT Dominance at 452 – Market on the Edge
* QQQ is trading directly at the highest negative NET GEX level at 452.31, marking it as the PUT trigger zone.
* A breakdown below 452 opens the gates toward 450, where the 2nd PUT Wall (-13.23%) adds further downside acceleration.
* This is a high-risk gamma zone: dealers are short gamma and could fuel a liquidation flush if price stays under 452.
🧱 CALL Walls Stack from 456–463
* The nearest CALL resistance zone sits between 456–458, topped by 461–463, all stacked with hedging activity.
* Strongest net positive GEX (gamma ceiling) sits around 458–460, aligning with macro rejection zones.
📊 Options Sentiment Snapshot:
* IVR: 46.7 → Moderate volatility, but still supportive of fast swings.
* IVx avg: 34.8, down –11.25%, showing vol is compressing while risk increases — dangerous combo.
* PUTs 67.6% → Overwhelmingly PUT-heavy environment, a signal of dealer short gamma pressure — one move down can feed the next.
🎯 GEX Implications:
* Break below 452 → Expect momentum to ramp toward 450 → 448 → 440 range.
* Bounce off 452 → Needs strong reclaim of 456–458 to reverse gamma flow — very difficult without macro help.
🕰️ 1-Hour Technical Analysis
Structure:
* QQQ broke down from an ascending wedge and is now retesting prior support at 452.47.
* Price is below all EMAs and losing VWAP — confirms bearish control.
Indicators:
* MACD: Weak and diverging bearishly — no sign of reversal strength.
* RSI: Dipping under 40, near oversold, but no bullish divergence visible yet.
Key Levels to Watch:
* Support: 452 → 450 → 448 → 440
* Resistance: 456 → 458 → 464.98
🧠 Final Thoughts:
QQQ is sitting on the edge of a gamma trap at 452. With PUTs dominant and technicals confirming weakness, there’s a real risk of continued slide toward 450–448 or lower if bulls can’t reclaim the 456 zone quickly.
GEX suggests heavy dealer hedging is active — so expect volatility, and prepare for a momentum spike if 452 fails.
This is not financial advice. Always trade with risk management, and let price action confirm your plan before executing.
IWM Trapped at Key Gamma Pivot! GEX Squeeze or Breakdown ?🔮 GEX (Gamma Exposure) – Options Sentiment Overview
🚨 High-Risk Gamma Pivot Around 186–185.8
* IWM is sitting exactly on its highest negative NET GEX zone at 185.82, making this a key inflection point.
* Dealers are likely long gamma here — a break below can force rapid adjustments, pushing the ETF toward 183–182, where more negative GEX builds.
🔺 Dense CALL Walls at 187–190–192
* There’s strong CALL resistance stacked between 187.94 and 192.12, with 190 and 192 showing large hedging flow.
* Any upside attempt will likely stall into these zones without strong volume or macro support.
📊 GEX Sentiment Breakdown:
* IVR: 43.3 → Moderately elevated, volatility potential remains.
* IVx avg: 34.8, currently down –14.73%, signals a possible volatility contraction, which could hurt premium buyers and favor a grind or drop.
* PUTS: 53% → Extremely heavy PUT positioning, indicating dealers are short gamma to the downside and could fuel accelerated selloffs if 185 fails.
🎯 GEX Flow Summary:
* If 186 holds, expect more chop between 186–188.
* If 185.8 breaks, price could snap toward 183 → 182 → 180, where next levels of PUT walls await.
🕰️ Technical Analysis – 1 Hour Chart Breakdown
Price Structure:
* Price is tightly coiled at the apex of a descending triangle.
* Support is showing stress at 184.97–185.8, with lower highs forming — this looks bearish unless bulls reclaim the wedge.
Indicator Confirmation:
* MACD: Flat and neutral, no bullish crossover in sight.
* RSI: Grinding lower under 50, consistent with bear pressure building.
Levels to Watch:
* Support: 185.8 → 183 → 182 → 180
* Resistance: 187.9 → 190 → 192.1
🧠 Final Thoughts:
IWM is caught at a crucial gamma pivot with both sides hedged and waiting. Dealers are loaded with PUTs — if this slips under 185.8, we could see amplified selling toward 182 or even lower. However, if bulls reclaim 187.5 and flip VWAP, then 190 becomes possible.
This is a gamma squeeze waiting for a trigger — prepare for volatility.
This analysis is for educational purposes only and does not constitute financial advice. Always use proper risk management and let price confirm your bias.
Nightly $SPY / $SPX Scenarios for April 16, 2025🔮 🔮
🌍 Market-Moving News 🌍:
🗣️ Federal Reserve Speeches: Federal Reserve Chair Jerome Powell is scheduled to speak at 1:30 PM ET, providing insights into the economic outlook and potential monetary policy adjustments. Additionally, Cleveland Fed President Loretta Mester will speak at 12:00 PM ET, and Kansas City Fed President Jeffrey Schmid and Dallas Fed President Lorie Logan will speak at 7:00 PM ET.
📊 Key Data Releases 📊
📅 Wednesday, April 16:
🛍️ Retail Sales (8:30 AM ET):
Forecast: +1.2%
Previous: +0.2%
Measures the total receipts of retail stores, reflecting consumer spending trends.
🏭 Industrial Production (9:15 AM ET):
Forecast: -0.1%
Previous: +0.7%
Indicates the output of the nation's factories, mines, and utilities.
🏠 Homebuilder Confidence Index (10:00 AM ET):
Forecast: 37
Previous: 39
Assesses the confidence of homebuilders in the market for newly built single-family homes.
⚠️ Disclaimer: This information is for educational and informational purposes only and should not be construed as financial advice. Always consult a licensed financial advisor before making investment decisions.
📌 #trading #stockmarket #economy #news #trendtao #charting #technicalanalysis
SPY pothole ahead! Drive with cautionHello drivers, I mean traders, LVN pothole ahead, drive(trade) accordingly. 5% drop expected based on VP
For those not familiar with LVN ( Low Volume Nodes) in Volume Profile, is price region where prices tend to move rapidly for lack of resistance or support
Interestingly if you look at the chart carefully, since June 2024 the prices have moved/gaped
7 times in this region, including the last weeks 10% move travelled this region.
Funny, as if prices are jumping the pothole each time it comes across
SPY: 485 remains the line between correction and collapseS&P 500's bearish trend that began in February 2025 has ended following a strong 14% rebound from a key level that previously triggered the last sharp down move. This does not mean the market is immune to further downside, but if one still maintains a bearish view, it is important to note that breaking below 485 would likely mark the beginning of a major bear market and the end of the long-term uptrend that started in 2009. Of course, no one wishes for that outcome.
XLF Trade LevelsThe financial sector interests me, especially with an upcoming interest rate meeting, earnings report, and declining consumer sentiment.
Ultimately, I like to swing the Sector ETF's but they also make for affordable day trades!
With XLF being in a tight range on the Weekly+ timeframes, it makes it easy to daytrade within those levels.
TMF in Buy ZoneMy trading plan is very simple.
I buy or sell when at three of these events happen:
* Price tags the top or bottom of parallel channel zones
* Money flow spikes beyond it's Bollinger Bands
* Stochastic Momentum Index (SMI) at near oversold overbought level
* Price at Fibonacci levels
So...
Here's why I'm picking this symbol to do the thing.
Price in buying zone at bottom of channels
Stochastic Momentum Index (SMI) at oversold level
Money flow momentum is spiked negative and under at bottom of Bollinger Band
Entry at $36.66
Target is upper channel around $44
$SMH vs $HACK Ratio Chart: Intra Tech sector rotation NASDAQ:SMH with closing @ 180 $ on 04 April 2025 is equivalent to drawdown we saw during COVID crash. During the covid crash the semiconductor ETF lost 37% and this tariff crash we also saw 36% drawdown. But in contrast to that the current tariff environment has only a peak drawdown of 25% in $HACK. AMEX:HACK is the ETF of the largest Cybersecurity in the market. Within the Technological sector there is a intra sector rotation form Semi and Software to Cybersecurity.
This weakness in NASDAQ:SMH can be attributed to heavy weights like NASDAQ:NVDA and NASDAQ:AVGO which have been down more than 40% form their ATH. But in contrast NASDAQ:CRWD , NASDAQ:PANW and other cybersecurity stocks have shown great amount of strength.
In this ratio chart we discussed earlier in this blog that there is a head and shoulder pattern forming indicated in the blue but then the drawdown in SMH pushed it below the neckline and we went below 3.15. The next level in the ratio chart is 2.71 to which we are very close. From the peak the ratio is down almost 40% which is the same as the drawdown in $SMH. The RSI in the chart is also oversold @ 28. My expectation the second neckline will not be broken, and we will hold the 2.7 ratio.
Verdict: Overweight NASDAQ:SMH over $HACK. Both are good long-term buys.
This is a good spot to start buying the market.We’ve reached the lower boundary—whether this marks the start of a prolonged sell-off or a rebound point doesn’t matter right now. In the next couple of weeks, we’ll trade higher before the true extent of the damage becomes clear. This is a good spot to start buying the market.
SPY/QQQ Plan Your Trade For 4-15 : Base Rally PatternToday's pattern suggests the SPY/QQQ have been busy forming a BASE and may transition into a moderate rally mode.
I believe this move will prompt the SPY to move above the $550 level, potentially targeting $555-565 over the next 48 hours.
This upward move could be related to news or Q1:2025 earnings.
I don't believe the markets really want to move downward at this time, although I do believe the markets will move into a topping pattern by the end of this week.
Gold and Silver are moving into BLANK pattern day, today. Given the fact that we are between rally patterns and the metals charts show a very clear FLAGGING formation (watch my video), I believe we are moving into a FLAG APEX that will prompt a move above $3300 (for Gold) and $33 (for Silver). It's just a matter of time.
BTCUSD is still struggling in the Consolidation phase. As I keep suggesting, I believe the next move for Bitcoin is to the downside. But, until we break this consolidation phase, price will continue to roll around within the consolidation range.
Remember, we are going to be moving back to more normal volatility. So you need to understand these huge daily ranges are going to vanish over the next 3-5+ days.
Volatility will likely move back to the 1% to 2.5% range very quickly.
Get some..
#trading #research #investing #tradingalgos #tradingsignals #cycles #fibonacci #elliotwave #modelingsystems #stocks #bitcoin #btcusd #cryptos #spy #gold #nq #investing #trading #spytrading #spymarket #tradingmarket #stockmarket #silver
GLD: in resistance zone to form mid-term top Price reached and important resistance levels to start forming the top of upward trend since 2022 bottom.
In precious metals fifth waves tend to extend beyond standard fib levels. So if price moves beyond 300, the door opens for a move to 308-330 resistance zone.
Wishing you successful trading and investing decision and thank you for attention!
New era: 'The Bitcoin Trust Flow Cycles'🏆 The Bitcoin Trust Flow Cycles™ by FXPROFESSOR
Friends, today I’m sharing what may be the most important Bitcoin framework of 2025.
Forget the broken halving expectations. Forget the chaos of macro headlines.
What if the real signal has been here all along?
What if Bitcoin’s true rhythm follows the capital rotation between itself and the U.S. Treasury market?
📊 Introducing: The Bitcoin Trust Flow Cycles™
This is not a model of where Bitcoin could go (like Stock-to-Flow)…
This is a model of when and why it moves — based on the trust rotation between U.S. Treasury Bonds (TLT) and Bitcoin.
What I’ve found is a repeating structure — not based on supply or halvings, but on macro trust dynamics .
🔁 The Two Core Phases:
• Correlated Periods 🟦 (Blue zones): BTC and TLT move together — both rising or falling
• Inverted Periods 🟩 (Green zones): BTC and TLT move in opposite directions
These aren't random — they're structural rotations that occur at key technical levels in the bond market.
🧠 The Cycle Timeline:
Jan 2019 – Feb 2020 → Correlated (pre-COVID calm)
Feb 2020 – Sep 2021 → Inverted (Fed QE, Bitcoin moon)
Sep 2021 – Nov 2022 → Correlated (everything dumps)
Nov 2022 – Oct 2023 → Inverted (TLT collapse, BTC recovers)
Nov 2023 – Aug 2024 → Correlated (sideways digestion)
Aug 2024 – Now (Apr 2025) → Inverted again — and compressing fast
We're now in Period 6 — an Inverted Period — but all signs point to an upcoming Reversion.
📉 What Happens at Each Flip?
These transitions tend to occur when:
• TLT hits major channel support or resistance
• Macro fear or liquidity shocks drive trust shifts
• Smart money starts reallocating across asset classes
Right now, TLT is at channel support — a zone that has previously triggered reversions into correlated periods.
📌 What Comes Next:
According to the Bitcoin Trust Flow Cycles™ :
→ We are statistically due for a reversion** back into correlation
→ If TLT bounces from 76–71 zone… BTC may follow — not fight
→ The target remains: BTC breaking above 115 resistance
This flip — from inverse to correlated — has historically marked breakout windows for Bitcoin.
🔮 This Is Bigger Than a Halving
Plan B’s Stock-to-Flow gave us valuable insight into long-term valuation.
But it doesn’t explain timing.
This model isn’t about supply mechanics.
It’s about macro trust mechanics .
When institutional confidence leaves Treasuries…
And enters Bitcoin…
That’s the rotation we track.
That’s what moves the chart now.
🎯 Watchlist: • TLT support: 76 → 71 zone = reversal signal
• BTC breakout trigger: 115 resistance
• Cycle shift: Reversion = Bitcoin joining TLT upside
If this plays out, it could mark the most important trust cycle breakout we’ve seen since the COVID inversion.
Bitcoin doesn’t need permission anymore.
It just needs a macro trigger. And this model helps us spot it.
One Love,
The FXPROFESSOR 💙
📌 Missed the full credit market breakdown? Check my recent posts on BKLN, HYG, LQD, and TLT to understand the full Trust Flow rotation.
SPY Approaching Major Resistance Zone SPY has rallied sharply from its recent low, but it's now pressing into a critical resistance zone. Price is currently sitting just below a major unfilled gap between $539.54 and $548.94. Until this gap is filled and the market closes decisively above it, the broader downtrend remains intact and risk of a reversal is elevated.
Current Price Action:
SPY has reclaimed $535.29, a short-term support that must hold if bulls are to maintain momentum.
Price is hesitating under the gap, a common reaction area where sellers often defend.
Moving averages are turning upward, indicating short-term strength, but we’re still below key longer-term resistance zones and the 200 EMA (not shown).
Downside Risk Levels If Rejected:
$489.73 – minor horizontal support
$481.80 – a prior low and key reference point for buyers
$474.14 – structural support area from prior consolidation
Extended targets: $454.29 and $426.80 if broader weakness resumes
Analysis : This area between $539–$549 is the battleground. If SPY can fill the gap and close above $549 with follow-through, that would be the first meaningful technical confirmation of a potential trend reversal.
However, failure to clear this level could open the door for a larger pullback. Watch price action and volume closely — a rejection here would indicate that sellers are still in control, at least in the medium term.
As always, be patient and let the chart confirm the direction. For now, SPY is at a decision point — one that will likely dictate the next leg in this market.
Short term speculative trade - use 1-2% of your capital ONLYStrictly, avoid using money that you cannot afford to lose. Common sense may not be commonly practised in today's topsy turvy world where even the President can say one thing and flip flop another the next day.
No matter how convincing you are to LONG or SHORT the market, always have a back up plan what if you are wrong ? If you take care of the downside and if it something that you can withstand without losing sleep or focus at your day job, then it is ok.
Also, there would be so many things ongoing - it is getting harder to clear the smoke out there and some say buy gold, crypto, others say tariffs not over ,still lots of uncertainty , China may retaliate further ,etc.
So, you can either sit back and do nothing , just watch the show or like me , place some small bets to participate in the market. If you are wrong, then the mistake is not too costly that you have to mortgage your house or sell your jewellery to pay back.
As usual, please DYODD.