Keir’s Top 5 Stock Picks – June 2021

So May came and went and after an early small selloff, the markets have recovered and are now close again to their all time highs. Something just seems odd about this slow drift up. It feels like a slight celebration of the final stages of the pandemic. But there are lots of variables in play right now (Inflation, Employment, Supply Chain Disruptions, potential add-on stimuli packages, and the pandemic moving into Japan and other countries). It’s enough for me to continue being cautious right now. One thing I do know, if you do want to borrow money, now’s the time to do it. It will never be cheaper and if you’re home has equity (very likely considering how home prices have increased in the last year or so), now’s a good time to consider a refinance. Probably the last time. Anyways, for this month, I again recommend preserving capital and waiting to see if there’s a better buying opportunity in the next few months. But if the markets keep lifting every day (remember what goes up must eventually come down), it may be a good time to start dollar cost averaging and buying dips. Until I have a better sense of where this market is heading right now I’d recommend just dabbling in the following to fill out your portfolio for right now:

  1. TPOR
  2. DUSL
  3. UBOT
  4. HLI
  5. Any inflation/market hedges – Gold, Silver, Platinum, Palladium, Oil

Stay away – Crypto, COIN, etc.

Hope everyone had a safe Memorial Day weekend and we’re only a month away from the 4th of July. Happy summer everyone.

Keir’s Top 5 Stock Picks – May 2021

As expected, the choppiness in the markets we saw in April will most likely continue into May as well with last Thursday’s surge in the market somewhat reminiscent of a mini blow-off top…I just don’t see any big catalyst once all earnings have been announced for Q1. I think there will be a slight pullback as the markets look exhausted and as the Debt Ceiling talks intensify later this July/August when the US Debt Total Approaches and ultimately passes $30T. While I expect all Republicans to vote against increasing it, and all Dems to vote for it with Kamala breaking the tie again, all it would take is one Dem to change sides and the pullback becomes more severe. But ultimately cool heads will prevail and it should be increased particularly if the pandemic is still around. Perhaps the markets end up trading sideways until COVID is officially over in anticipation of a post-COVID celebratory year-end melt-up. Either way if you’re a speculative day trader, I’d advise now to reduce positions and take gains. If you’re a long-term trader (which Biden is trying to eliminate by raising the LT Capital Gains tax rate), I’d advise just saving cash right now. Market is still sensitive to any external shock and there’s just too much downside risk, even for me. But as I search for Value I’ll give a top 5 of some sorts, just not easy pickings right now…

  1. Cash (I’d be saving here in case this pullback does occur and then later buy some dips as we exit the pandemic – $50K+ if you can).
  2. Commercial Real Estate (over Residential right now). Values are rising and interest rates will be rising soon. But in inflationary environments, should it occur, All asset values increase. Lock in a low rate and pay down the principal. It’s like a 401K plan you get to tap into before and if you make it to 65.
  3. SOXL – Don’t let the semiconductor shortage scare you. That just means that Demand is outstripping Supply. Great problem to have for the industry as the economy continues to recover.
  4. UGL – Those who have read my posts in the past know I’m collecting gold mines constantly. Have them all over the world. Have no idea why as I really hate Gold as an investment instrument since it has no real alternative use other than being ornamental. But with China and some countries opening their gold markets back up, I think we’re seeing a bottom in gold right now. Remember should inflation kick in, All asset values increase.
  5. Marijuana stocks – Pick them based on perceived market share would be my advice. That’s about the only legislative item I think may get passed soon and if it does, expect these to start taking off.

Medium Short-Term Risk/High Reward – BNKU, WANT (You could pick them up here, I just like BNKU closer to $40-$45 and WANT $55-$60.)

High Risk/Low Reward – BTC, COIN

Good luck and let’s get India out of COVID…we’re almost there, I hope.

Keir’s Top 5 Stock Picks – April 2021

Alright, after a somewhat choppy March 2021 which I expected, the market ended the quarter on a high and the bubble begins. With Sleepy Joe Biden doing everything he can to force inflation and deflate the dollar…stimulus after stimulus after forgiving student debt after $2T Infrastructure plan…all just to make our products more appealing to emerging countries with larger population bases. Get ready America, inflation is real and everywhere I look…at the Gas Station, Toilet Paper, Hair Cuts, even the burrito I’m eating right now. Now is not the time to be long on the $USD. It’s all about future growth now and these large Corporations don’t see it in the US. Pump up the economy, reduce unemployment…only to set America up for the biggest crash ever. Enjoy it while it lasts. It won’t happen immediately, we still have a pandemic to get past which is still showing signs of one last final wave.

I wish I had a crystal ball, I really do. Because mine currently says it’ll be a choppy summer as Corporate reporting begins this month for Q1 and if I’m right, I’d expect a lot of Corporate earnings to indicate year over year revenue growth with a common caveat…increases in selling prices brought on by increases in core prices…INFLATION. Expect it to be a dominant theme over the next few months with the markets pulling and pushing as yields creep higher and Long-Term US bonds falling in value. That, combined with the big bankers and the rest of the economy taking a break and traveling for maybe the first time in over a year…There’s not a lot to get excited about right now as the markets look full to me. Low volume usually leads to short-selling in the near-term.

At least the SPAC craze appears to be taking a breather as well, but if inflation is real, I’d expect some desperation in some of these recently launched SPACs as we approach the end of next year. Increases in bond yields will put pressure on those remaining SPACs to find a company to take public, with maybe a SPAC rotation following the current rotation in the general public markets away from high growth/technology companies and into cyclicals or Company’s with proven revenue growth and profitability. Instead of sitting on cash which is earning essentially no return (ala Bill Ackman right now), if the markets do end up inflating later this year (hint, a X-mas rally seems all but certain coming off this pandemic), Mr. Ackman and SPAC Co will feel the pressure to buy into these markets again or return money to investors at no return over 2 years. Plus, if I’m not mistaken these empty SPACS flying around right now invest in low yielding government debt until they find a target, which may result in actual negative returns over 2 years when finally liquidated…not a good thing for those who invested in SPACs being launched today. So while this SPAC market takes a much needed breather, I’d expect a final round of SPAC activity later next year…call it panic buying. But who knows for certain, right? We still have a pandemic to get over.

Alas, here’s my speculative top-5 for April, knowing there appears to be more downside risk to the market in the near-term followed by a gigantic upswing once people wake up and realize asset prices are rising everywhere…

  1. Cash (Seems silly, right? I’m betting against the dollar but also remaining in cash. I’d just be saving here to hopefully buy in at a lower price later this summer. Plus saving cash provides you with more buying power should you find something you really like in or outside the public markets and you never, ever bet the farm on anything…$30-$50K again).
  2. Real Estate – Based on the increases in yields and real estate prices this year, 2021 may be the last time to buy at somewhat of a discount long-term.
  3. For those with long term time horizons…it’s risky but you might as well pick up the big 3 technology leveraged funds with technology being beaten down recently and after their recent split making them more affordable…TECL, SOXL and FNGU. All should benefit from a hopeful Christmas rally this year if we can just get past this stupid pandemic.
  4. TMV and TYO – See above discussion on yields regarding long-term Treasury Bonds, just don’t expect much in the short-term until inflation really sets in.
  5. Still like airline equities here (DAL and UAL are my personal favorites). All are potential M&A targets at the very least once the pandemic ends. As an aside, once/if the pandemic ever ends, expect the M&A markets to take off as Company’s still reeling from the pandemic synergize and combine together to create a better more “ESG” friendly Company.

High Risk/Low Reward – I really hate typing this but I can’t ignore the hype. Crypto – I won’t touch it, my brokerage firm won’t touch it and I think this could pose some systemic risk to the entire economy if/when this bubble ever bursts. But if it has replaced Gold temporarily as the predominant inflation hedge, I could see BTC going to $75K, easily. Just too risky, even for me.

Good luck and stay safe, hopefully a return to normalcy happens sometime in 2021…

Keir’s Top 5 Picks – March 2021

Alright, looking at the markets, it’s tough to get too excited about much right now. The Add-on stimulus should pass this month giving the markets a bump. Covid should continue to relent, giving the markets stability and if this were any other year, I’d say sell in May and go away. But since a lot of people may not have the ability to sell and obtain long-term gain status, I’ll just throw some speculative stuff out there. Remember to always keep an emergency fund, but I think inflation has to set in at some point. Gold would be the go-go play in the past but unfortunately, until BTC goes away, gold’s gains look capped…

  1. TYM – If you can’t benefit off a foreseeable increase in inflation off a direct investments in gold, it’s best to attack the dollar directly. How? Through government debt. The theory is that if yields keep rising the actual value of our debt declines. This ETF is set to track the inverse of 20 year bond funds 3x.
  2. TYO – The value play to TYM
  3. VSAT
  4. DAL
  5. UAL

Any other outdoor/vacation plays should be worth watching as well.

Keir’s Top 5 Stock Picks – February 2020

Another interesting month in the markets. The Trump factor was real but had little impact on the markets when the attempted “Storm the Capitol” strategy failed. With Biden now entrenched in office and Georgia going blue, it paves the way for the add-on stimulus. However, another unknown has presented itself in the form of the WallStreetBets forum on reddit. While they appear to be targeting hedge funds exclusively, the impacts on the markets, while transitory at best, could cause some wild volatility in February. My guess is the add-on stimulus doesn’t get passed until March which should create excellent buying opportunities in February as long as the long-term bull trend holds and we don’t go completely backwards again on COVID-19. I’d continue to hold onto any of the mines previously posted in the top 5 stock picks, especially if the WallStreetBet guys try to target commodities next. But to survive the fluctuations in February, I’d continue to play it safe for now…

  1. Cash (Reducing this to $30K as most of readers hopefully took my advice and bought back into any holdings I viewed as risky – I apologize for any tax consequences this strategy may have caused, just overestimated the Trump Factor at the time).
  2. Real Estate – Interest rates aren’t going anywhere anytime soon
  3. VSAT
  4. Marijuana Stocks – Still cheap and after the stimulus, I could see Congress turning their attention to reform of marijuana laws at a federal level
  5. JPM – Safer than hedge funds right now

High Risk/High Reward – Short term puts on anything these WallStreetBets are pumping like GME

Continue to hold anything I’ve listed in the past 5 months or so, not named QS, JNUG, NUGT or UGL.

Guest Author – Jim McKinley

Bookkeeping and Your Small Business: Critical Links and Resources

Written by Jim McKinley –

Bookkeeping: If you’re a small business owner, the very term may cause you anxiety. Or maybe you’re just not interested in bookkeeping? Either way, you should know that bookkeeping is absolutely critical to both the short- and long-term success of any business. So if you haven’t given much thought to this important business topic, now is the time to start doing so. These bookkeeping resources from Majarrez & Associates will help you out.

Business Entities and Bookkeeping

You need to be savvy about accounting from the start. This includes picking the right entity for your business and tracking your financial paperwork accordingly.

  • In terms of bookkeeping and accounting, there are three major business entities.  
  • For many small businesses, forming an LLC is the best move for their finances.
  • You can use a formation service to set up an LLC in most states, including California.
  • Some new small business owners may benefit from having legal advice.

Everyday Bookkeeping for Small Business

Once you have your business set up, the accounting work isn’t over. In fact, it’s only just begun and you will need to take great care when tracking and recording your financial information.

  • Financial paperwork may seem daunting, but there are important documents you need to keep.
  • For example, your balance sheet is a document that needs to be consistently updated.
  • Your balance sheet will likely need to be updated on a quarterly and/or annual basis.
  • Top-rated accounting software can make keeping track of financial records easier.

Bookkeeping Tips for Small Business Taxes

Getting your taxes right is one of the most important reasons for keeping detailed financial records. This is also why bookkeeping is so critical for the success of your business.

  • Make no mistake about it — poor planning can end up costing your business big time.
  • At the very least, you could miss out on huge tax credits for your small business.
  • Or, you could end up facing an IRS audit that will cause you more stress and headache.
  • Bottom line: Get help with your taxes. Failing to do so could put your business at risk.
  • Better yet, think about hiring a CPA who can simplify and streamline your bookkeeping.

Bookkeeping may be boring, but it’s a necessary evil in the business world. Whether your business is large or small, you have to keep good books in order to help it thrive. Your financial records can also protect you in the long run. Whether you DIY, use software, or hire a pro, make bookkeeping a priority. Contact Majarrez & Associates for your accounting and bookkeeping needs today.

Photo Credit: Pexels

Keir’s Top Stock Picks – January 2021 – The Trump Factor

Alright everyone, the Trump factor is very real, as evidenced by his latest pocket veto attempt on the less than $1 trillion Stimulus that Congress was able to pass. That combined with the uncertainty of the Georgia elections and a belief that Corporate earnings will disappoint when compared to the calendar Q4 of last year, amongst other things has enough to spook me this month. Plus, by selling on either January 4th or January 5th, you push your tax gains out until 2022. At best, I say the markets trade sideways until at least the first 30 days into Biden’s first 100 days of office. Meaning, now’s a good time to take some profits, build some cash or just reallocate your portfolio. In any case, it’s time to get defensive here. All this could change with Georgia going blue, no martial-type law before the Biden inauguration, and Trump just walking out of office at the end of his term…yeah, I just don’t see it happening. So while I invest for the long-term, there is some day trading I’m going to try and do in January and hope for a pullback. Why January? If you’ve been on a run such as I have for the last 6 months (I’m up like over 350% last I checked) and I’m good at calling bottoms but somewhat questionable, as shown during the start of the Covid pandemic about calling tops, this just has all the signs of a pullback to me. Either way you’ll be ok long-term, I just think the short-term sucks. So here’s my top 5 for what I think could be a very volatile January 2021:

Cash (like bump it up again to $30K – $80K, but be ready to trade back in when the markets stabilize come February)

Real Estate – Residential or Commercial still

Liquor Licenses

Equities (still love certain industries here – mostly alternative, guns and ammo, innovative Companies outside the US and of course actual gold miners making profits)

  1. MP
  2. JUSHF
  3. MMEDF
  4. GTBIF
  5. LI
  6. XPEV
  7. EQX
  8. KGC
  9. CAHPF
  10. MMX
  11. SAND
  12. EDVMF
  13. NCMGY
  14. OCANF
  15. NESRF
  16. ORRLF
  17. RGR
  18. VSTO
  19. OLN
  20. SWBI
  21. POWW
  22. NIO
  23. RTX
  24. OGI
  25. TCNNF
  26. IIPR
  27. GRWG
  28. VFF

ETF’s – Be very careful here and expect a slight pullback so I will probably sell early January and wait to see what happens until Biden is inaugurated, but long-term you should be fine:

  1. TQQQ
  2. WEBL
  3. GDX
  4. GDXJ
  5. NAIL
  6. EDC
  7. EZJ
  8. EURL
  9. DFEN

I’m on the fence about these ETF’s and will probably sell early January as they’re highly leveraged and even sideways trading will lead to decay, but long-term potential gains has me watching them very close right now (expect a significant bump once the Biden add-on stimulus passes):

  1. CURE
  2. JNUG
  3. NUGT

I definitely dump these ETF’s:

  1. UPRO
  2. UDOW
  3. URTY
  4. UGL

Good luck everyone…remember – 2021 has to be better than 2020, right?

Keir’s Top Stock Picks – December 2020

Alright, after watching the Dow momentarily cross 30K in November and with the potential blue wave hitting America, just like the Pandemic of 1918…history looks to be repeating itself again. For those like myself who never experienced it, the roaring 20’s was seen as a time period of great expansion followed of course by the Great Depression. With China set to emerge as the New World Leader of a more Globally linked economy, all signs point to a longer lasting bull market in the future. Potential downsides are the dwindling Trump factor (i.e. what Trump does in the last 1.5 months of office), Georgia turning red and blocking the stimulus, the length of shutdowns (currently in blue states which may transition to red states if Biden actually gets inaugurated) and a potential nationwide shutdown through the flu season. Any pullback looks like a buying opportunity and so it makes December’s 2020 Top Stock Picks pretty easy…(this is just an extensive list or my personal favorite value plays right now in no particular order). Do your own research first…

Cash ($20-40K) – Keep collecting $10 Hamiltons

Real Estate – Commercial or Residential – Rent it out and receive a subscription payment each month like banks collecting interest. Make money on the paydown of principal and enjoy the interest expense write-offs for taxes.


  1. QS
  2. GTBIF
  3. XPEV
  4. EQX
  5. KGC
  6. CAHPF
  7. MMX
  8. SAND
  9. EDVMF
  10. NCMGY
  11. OCANF
  12. NESRF
  13. ORRLF
  14. RGR
  15. VSTO
  16. SWBI
  17. POWW
  18. NIO
  19. LI
  20. RTX
  21. VSAT
  22. DAL
  23. UAL
  24. OGI
  25. TCNNF
  26. IIPR
  27. GRWG
  28. VFF
  29. OLN


  1. JNUG
  2. NUGT
  3. NAIL
  4. TQQQ
  5. WEBL
  6. UPRO
  7. UDOW
  8. URTY
  9. GDXJ
  10. EDC
  11. EZJ OR EWJ
  12. YINN
  13. EURL
  14. DFEN
  15. CURE
  16. GDX
  17. UGL
  18. GLTR
  19. LABU
  20. DRN

If you have the money and risk appetite – FNGU, TECL, PALL and SOXL

Most importantly, stay safe throughout the holidays. Lots of crazy news, especially here in California. Lots of shootings lately, so I’d expect a crackdown on guns post Biden-inauguration. (Hint: Now’s a good time to buy an assault rifle if you can get the ammo as well, as I’ve been hearing rumors that’s what Biden’s targeting if he is inaugurated). Have a happy holidays everyone. Say goodbye to 2020 and I’ll see you next year.

Keir’s Top Stock Picks – November 2020

Alright, after a somewhat bumpy October we now head to the polls in what has been a green week so far. Depending on tonight’s outcome we could be set for the passing of the stimulus (which has to happen) soon or a contested bumpy November/December. Either way the stimulus has to happen which means gold/precious metals are the safe play right now. Why does the stimulus have to happen? Because we have an aging population and future growth will have to come from other countries (former BRIC countries) as well as countries such as Germany and Japan…Any emerging developed country. But because our dollar’s so strong, we can’t compete with the China’s of the world…why buy a $1,500 IPhone when you can get the Chinese knockoff for $500? Why buy a Nike jersey for $100 when you can get a Chinese knockoff for $30? So the US has to deflate the dollar in order to be able to compete in other countries. With the trade deficit at it’s widest it’s ever been our second stimulus has to happen. Which makes products in the home country more expensive but cheaper for other countries. Expect other countries to follow suit and a potential currency war may break out. If the stimulus somehow does not happen, unemployment will run high, the stock market will pullback and there will be a rush to a safe haven. With every country trying now to develop a digital currency, I would leave BTC alone and again, gold and precious metals become the safe play. So I started this theory last month and laid the groundwork. This month I’ll expand on what my portfolio looks like…

Cash ($30-$60K) Especially $10 Hamilton’s, seem to be rare these days

Real Estate – Both Residential and Commercial


Equities are starting to get real expensive lately, already a signal for early inflation. So here are my top value growth picks for this month…(hint – heavy gold and precious metals, guns, outdoor supplies, a blue wave marijuana stock play, my favorite airlines which may consolidate and an EV competitor from China)

  1. KGC
  2. EQX
  3. RSR
  4. VSTO
  5. RTX
  6. VSAT
  7. DAL
  8. UAL
  9. TCNNF
  10. GRWG
  11. IIPR
  12. OGI
  13. NIO
  14. OLN
  15. CAHPF
  16. GOLD
  17. EDVMF
  18. NESRF
  19. NCMGY
  20. SCEXF
  21. OCANF
  22. MMX

ETF’s (for those who want higher risk/reward)

  1. JNUG
  2. NUGT
  3. NAIL
  4. TQQQ
  5. WEBL
  6. UPRO
  7. UDOW
  8. URTY
  9. GDXJ
  10. GDX
  11. UGL
  12. EDC
  13. EZJ
  14. YINN
  15. EURL
  16. DFEN
  17. CURE
  18. GLTR
  19. DRN

Again, I’d stay away from financials and oil right now. Good luck and be safe if you vote tonight.

Keir’s Top Stock Picks – October 2020

Alright, I’m going to do October’s Top Stock Picks a little earlier this time because I foresee Congress passing some form of stimulus soon. After September’s sell-off and economic slowdown, something massive may hit the markets and if it does, I’d like to give any readers time to place their bets. I think 1850 is the new bottom for gold so you’ll see a lot of Gold and Silver plays here…


  1. KGC
  2. EQX
  3. RTX
  4. VSAT


  1. GLTR
  2. NUGT
  3. JNUG
  4. UGL
  5. GDX
  6. GDXJ
  7. WEBL
  8. NAIL
  9. TQQQ
  10. UPRO
  11. DFEN
  12. EDC

I’m pretty long on anything besides financials and oil right now.

Worth Watching – JPNL and EURL, but I’d rather wait to see how this stimulus plays out with other central banks before committing to either.

High Risk/High Reward – China, could be a cold war brewing and manufacturing moving out of China to other regions once the pandemic is over, but they’re showing economic growth right now so consider

As always, don’t bet the farm. Keep a minimum of at least $30K in cash and I still like Real Estate here a lot too.

Good luck everyone as it could be somewhat of a bumpy ride through the elections but the general trend is up right now…