The Keystone Speculator's 2021 Predictions

The Keystone Speculator’s 2021 Predictions

December 2020

Humans ponder the meaning of life. In trading, there is only one question after 11 years of obscene Federal Reserve intervention in markets. When will the Fed take away, or forced to take away, the easy money punchbowl? The outcome will be pain and misery in the financial markets so the ‘what will happen’ is known. It is the timing; the when, that is the most important question. When do traders and investors lose confidence in the Federal Reserve’s easy money carnival ride? The US stock market is in crappy shape and poised to place a long-term top in Q1.

Equities are goosed higher for the last decade-plus on central banker easy money. The world is awash in liquidity provided by the four central banker horsemen of the financial apocalypse; BOJ (Bank of Japan), ECB (European Central Bank), PBOC (Peoples Bank of China; the communists) and the Federal Reserve that rides in on the pale green horse the world’s lender of last resort. The end game is at the door step.

The stock market is on a sugar-high from eating easy-money candy for 11 years. Uncle Sam’s teeth are rotted which now infect his brain, heart and the rest of his body. The Fed’s candy was too much sugar and now Uncle Sam has got the‘suga’ as Lavell Crawford says.

The answer to the question above about when the central banker money ride ends is the most important market determinant ahead, either by the Fed’s own choice, or not their own choice. Every downdraft in stocks over the last 11 years was saved by the Fed’s money-printing. The consensus on Wall Street, which has been correct each year, is that stocks will continue higher on the easy money liquidity. The Wall Street analysts proclaim more all-time record highs for stocks ahead with SPX targets for 2021 above 4.3K with potential targets at 4.5K and 4.6K!!

S&P 500 (SPX) Forecasts for 2021

J P Morgan Chase (Lakos-Bujas) 4400 (4500 possible)

Goldman Sachs (Kostin) 4300 (4600 possible; +23%)

Oppenheimer (Stoltzfus) 4300

Tallbacken (Purves) 4250

BMO (Belski) 4200

UBS (Keith Parker) 4100

CFRA (Stovall) 4080

Credit Suisse (Golub) 4050

BTIG (Emanuel) 4000

Barclays (Deshpande) 4000

Deutsche Bank (Chadha) 3950

Morgan Stanley (Wilson) 3900

Wells Fargo (Cronk) 3900

Bank of America (Subramanian) 3800

Citigroup (Levkovich) 3800

2021 Begins at 3756

The Keystone Speculator 2348 (-38%)

 

Every estimate is for a happy, joyous year ahead, except for Keystone that brings a wet blanket to the party. The Fed whiskey, BOJ sake, ECB champagne and PBOC rice wine is flowing like water with inebriated traders buying any stock with a heartbeat. This behavior typically does not end well a la 2000 and 2009. Lakos-Bujas bases his lofty SPX 4400 target on a 25 implied PE and 178 earnings estimate (178x25=4450). Dubravko, check your math, although he does say 4500 may be on the table. The bulls are running and the year begins with euphoric optimism with vaccinations occurring for the pandemic.

Keystone is a chart technician and mathematician that prefers technical analysis over fundamental analysis; the two are not even a fair comparison. Commentators will say technicals are best for the short term while fundamentals win out over the long-term. Keystone’s experience is that technical analysis dominates fundamental analysis in all time frames.

The CPC and CPCE put/call ratios are at uber lows for about four months which is unprecedented bullish behavior. Young folks are taking stimulus checks and going long tech stocks. As always, this stuff will end in tears. The SPXA150R is at 90-ish right now so a stock market top is at hand as the new year begins.

The SPX monthly chart is placing a significant top right now in Q1. The SPX weekly chart wants a multi-week pullback (topping out in early January), which is likely for January, but the monthly chart shows a long and strong MACD line. This is a blow-off top in progress. Stocks will either fall like rocks now and keep on going for many weeks and months ahead, or, pull back in January into early February, and then recover up to the current highs again, then die and trail lower for weeks and months to come. A major top will occur in Q1.

Of course, after that occurs, the Fed is going to want to print more money again which creates a big rally in stocks. There isn’t enough money to save this load of crap. Airlines are going to be struggling all year. Ditto hotels, hospitality and other professions. Layoffs will rise. Recession deepens. The pandemic in 2021 is going to look a lot like the pandemic in 2020. Thus, stocks will likely receive the obligatory pop after another new Federal Reserve stimulus program is offered during 2021. However, the financial markets will balk. The jig is up. Crazy things will start to happen in global markets in 2021.

As markets recoil, the Robin Hood crowd of young traders (and not to single out any one platform; all the platforms have seen a big influx of young traders each thinking that they are the next Jesse Livermore) will likely panic and begin selling creating an even larger downdraft. Ditto the traders that are not using any protection since the Fed and Congress keep providing stimulus to pump stocks higher. Ditto the ETF’s that are heavily traded. 2021 is the year of the ETF trouble.

The SPX will top out in a few days, then a multi-week drop say into the end of January and early February, then a recovery for a few weeks poking at the 3780-ish area, then failure, and on a long-term multi-month, and perhaps, multi-year basis. Stocks will be expected to trail lower from April through the summer. Let’s call that a 1,000 point drop so the SPX will be around 2845 (62% Fib retracement) in July/August. Then a rally around Labor Day and into September when a top occurs in the September/October time frame at the 3000-3300 area. Then another big drop to 2200 testing the March 2020 lows. Stocks then moderate slightly to end the year at 2348 (168x14; 156x15; 147x16; 138x17; 130x18; 124x19).

Due to the obscene Keynesian money-printing by the Fed and other global central bankers, the PE’s are artificially low, or, put another way, earnings artificially high. The easy money creates conditions for companies to buy back stock (repurchase) and after many years of this obscenity, that only serves to boost the stock price, the PE’s and earnings numbers are out of whack. A company may have bought back 30% or 40% of its stock so there are less shares so the EPS increases and everyone is happy that all is great. It is only financial engineering. As the earnings are pumped artificially higher, the PE is kept lower.

The comical thing is that the PE’s are already well into their 20’s and overvalued and if adjusted for buybacks may be 2 to 8 PE points higher which is way overvalued. For example, the index or ticker you see at a PE of 23 may actually be more towards 30 if the buybacks were factored-in. The beauty of it is that no one sees it; it is stealthy. When markets collapse, a couple years from now analysts will look back and opine about the impact of central banker easy money which led to out-of-control repurchase programs that the data did not identify. Even worse, a PE of 30 is a bubble number.

Are traders and investors whistling past the graveyard as they wave goodbye to Father Time in 2020 and say hello to Baby New Year in 2021? The thing about bubbles is that they pop. The wicked rising wedge patterns on the stock charts can also lead to drastic sharp collapses in stocks. A flash crash may occur in January or early 2021 and it may be the flash crash part without the recovery part.

The central bankers are the market. Very simply, if the Federal Reserve and other central banks keep printing money and flooding the world with massive liquidity, stocks will continue going up. However, once confidence is lost in the central banks, the game is over and stocks will crash. Like Dorothy, we are following the yellow brick road and have not yet pulled back the curtain to see Powell, Yellen, Bernanke and Greenspan wildly pulling levers, turning wheels and punching buttons. Who, or what event, will be the Toto that pulls back the curtain exposing the phony house of cards?

Always remember, trading positions are not necessarily placed based on the prediction and yearly forecast information below. Keystone relies on the charts in real-time to dictate the entries and exits of positions throughout the year (minute, hourly, daily and weekly charts).

If you seek the smoothest path possible through the trading year while keeping risk to a minimum, then simply follow the Keybot the Quant algorithm, Keystone’s proprietary trading model.

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The US dollar begins the year at 89.50 and will move through 87-99 ending the year at 94.

 

The global recession takes hold and the US dollar rises.

 

The euro begins the year at 1.22 and will move through 107-126 ending at 117.

 

The dollar/yen begins the year at 103.28 and will oscillate above and below 104 all year long.

 

The US 2-year yield begins the year at 0.13% and will end the year at 0.30%.

 

The US 10-year yield begins the year at 0.93% and will end the year at 1.50%.

 

The yield curve will steepen from 80 bips to 120 bips.

 

As the stock market sells off heavily, people will be surprised that yields do not move dramatically lower instead remaining stable moving sideways.

 

WTIC oil begins the year at 48.52 and will move through 20-53 and end at 35.

 

Gold begins the year at 1895 and will move through 1650-1980 and end at 1780.

The unexpected buoyancy in the US dollar this year creates sogginess in gold.

 

Silver begins the year at 26.41 and will move through 14-30 and end at 16.50.

 

Even China will realize that solar cells, the current technology, that accounted for a huge part of the silver demand, cannot be scaled-up economically due to the battery storage requirements. Thus, less solar is less silver.

 

PAAS tops out with a long-term top in February-March and will trail lower the remainder of the year.

 

Bitcoin explodes higher to begin the year at 33K. Bitcoin will top out in January/February and sell off into March to 20K, then another huge leg higher taking out 33K and perhaps topping out in the summer at 38K-42K. Bitcoin will then roll over and drop the rest of the year say from July/August forward, which may provide a heads-up signal for stocks rolling over again in September/October.

 

Bitcoin tickers are the NYXBT Index, and the plays GBTC, RIOT, LFIN, BLOK, BTSC, KODK and OSTK. All will likely float higher this year along with bitcoin but things will become dicey in the back half of the year with potential humongous recoils backwards.

 

The Federal Reserve will announce its own plan to provide a digital currency by 2022 which will slap bitcoin hard.

 

Copper begins the year at 3.52 and will top out at 3.80 in Q1 and then trail lower for the remainder of the year ending at 2.80. Copper will become soggy this year as the global recession deepens and the housing and automobile industries slow (the two largest users of copper).

 

Commodities, the CRB, begins the year at 168 and will hit 230 ending the year at 190.

 

The unemployment rate begins the year at 6.6% and will end the year higher.

 

For the sectors, all are expected to end the year lower although XOP and XLE may end the year flat.

 

The trannies (TRAN, IYT) are set up to become soggy this year due to lackluster truckers, airlines and railroads. ODFL and WERN will not impress. Neither will UNP, CSX, KSU or NSC. However, RAIL has hope for 2021. FDX and UPS will likely fall less than the broad market since lots of packages will need shipped all year long. There are no trades here unless you want to take a flyer on RAIL.

 

Concerning the high-flying stocks that took the stock market to the stratosphere the last few years (AAPL, ADBE, AMZN, AVGO, BA, BKNG, BLK, CRM, FB, GE, GOOGL, HD, INTC, JPM, MA, MSFT, NFLX, NKE, NVDA, RTX, SBUX, STZ, TSLA, ULTA, UAA, V, WMT), all would be expected to end the year lower although GE, BA, INTC and RTX may end the year flat. 

 

GE should weather the storm better than other stocks this year and is a place to park some dough if you have a lot of wealth and are looking for places to hide.

 

Another place to hide money this year would be in ‘plastics’, a word made famous in TheGraduate movie where Dustin Hoffman was pursuing his carnal desires. EMN may hang in there this year. Ditto DD. Lots of plastic is needed this year for delivering food and producing PPE (personal protective equipment). BASFY and LYB are possibilities but Lyondell’s chart is not impressive.

 

Packaging companies may do well or at least hang in there as the broad market sinks. PKG may not drop as much as the broad market. Ditto GPK, CCK, ARD and SEE. As NeilYoung sings, “…. with styrofoam boxes for the ozone layer …”

 

RTX will sky-rocket, literally and figuratively, if the war drums beat (Raytheon builds the Tomahawk missiles that go for about a million a pop). Otherwise, defense stocks will likely motor along sideways with a slight downward bias not falling as much as the broad market.

 

TSLA begins the year at 740 and will top out in Q1 at 780, and then trail lower for the remainder of the year, ending at 220 (-70% crash).

 

Tech stocks such as GOOGL, FB and TWTR will be under siege this year from Congress. Tech stocks are at bloated, bubble-style valuations. Young traders are buying tech stocks happily taking shares from the smart money handing these fools their destiny; they will get their faces ripped off this year. Live and learn.

 

The tech strength due to covid will not continue. Tech stocks will roll over like the broad market in Q1 placing a long-term top. Including semi’s although they will be last to roll over topping-out in February/April for the long-term.

 

An area of interest is PaaS, IaaS and SaaS which will become household words this year. PaaS is Platform-as-a-Service. IaaS is Infrastructure-as-a-Service. SaaS is Software as-a-Service. It is cloud stuff and PaaS has the hot hand. Tickers in play include CRM, AMZN, MSFT, TEAM, SHOP, TWLO, SPLK, INTU, HUBS, MDB, NOW, WDAY, AYX, ZEN, VEEV and FIVN. Unfortunately, most of these tickers are duds now set up to fall during the year despite the positive hype that will likely occur. TWLO is a bit interesting as a speculative long. SPLK may do a lot of stumbling sideways this year. MDB may have hope as a long. Too bad that none of the plays are attractive technically except the three mentioned. Maybe wait to see if they are crushed during the broad market selloff and take a look at them then. If a fundamental analyst, do your homework on these tickers and see if you can find a gem or two in there.

 

GOOGL will look for more ways to make money as will other companies. Google will force folks into larger data plans that cost a few bucks because it is too laborious to eliminate emails and other data to reduce your storage.

 

As the recession bites, people will be canceling and reducing monthly services, which creates further layoffs and a weaker economy.

 

5G is a joke because the infrastructure does not exist. Since the economy will hit a rough patch, all projects will slow everywhere public and private. The only 5G available will be around the major cities like now. 5G will remain the subject of a lot of talk but users will not notice any great difference in smartphone performance.

 

Podcasts have been gaining in popularity and this trend should continue. AAPL is moving towards a Podcast+ offering to expand its Services unit. However, podcasts will peak out this year and their momentum stall. This is the audio radio-style podcasts. People are lumping all kinds of stuff together like their YouTube channels and so forth calling it all a podcast. The word came from iPod’s and a broadcast; they are only audio broadcasts not videos. Podcasts are great for niche groups but are a tougher sell for mainstream news that appears everywhere. Podcast folks will be disappointed at the stalled interest this year.

 

Pot stocks such as TLRY, ACB and MJ will rally this year. Other marijuana plays are SMG, CRON, CGC, IIPR, GWPH, CARA, CBIS, ZYNE and APHA but these are staggering sideways. ZYNE may be a potential lottery ticket long since it is beaten down.

 

The US Congress will consider legalizing marijuana and it will be on the ballot come November 2022. This joy will create buoyancy in pot stocks all year long. Maybe the final decision to go forward will occur during a ‘joint’ session of Congress.

 

Airlines will remain weak despite bailouts. The government does not have limitless money so the airline industry will deteriorate as the year plays out. Lots of folks will lose jobs.

 

A majority of airlines will begin requiring proof of testing or a vaccine certificate before flying.

 

The coronavirus (COVID-19) pandemic will be front and center all year long. January and February will be nasty hurting the economy.

 

Herd immunity will not be reached this year, however, the virus will naturally begin dissipating in the late summer. After about 18 months, it is running its course, and things will slowly improve regardless of the vaccination program.

 

Vaccine hesitancy and vaccine skepticism increases not only in the United States but Europe and elsewhere. It will not matter, however, since the virus will run its course and begin decreasing on its own after June and July.

 

Tight product supplies due to the ongoing pandemic, and wages rising everywhere to maintain employees and provide incentives, will create a whiff of inflation. This will surprise folks. The stock market will be in retreat but instead of rates dropping they will stabilize sideways and then become buoyant towards the end of the year.

 

Rates will rise in the back half of the year creating angst and turmoil in markets and leading to the second big leg down in stocks this year in the September through December time frame. Faith will be lost in the Fed.

 

Anyone buying stocks for a LTBH (long-term buy and hold) early in the year will regret it during Christmastime.

 

The ETF’s will exacerbate the stock market selloff. Everybody and his brother will be running for the exits which will create ETF ugliness.

 

The young traders in the new platforms such as Robin Hood are going to get a taste of a rapidly dropping market and many will panic further extending stock market weakness this year. Those young folks will be hesitant at playing further after they lost some of their money.

 

The infrastructure in America will continue crumbling but Congress will only be able to allocate limited funds. The economy and markets will be tanking with the pandemic in full gear so the politicians will have their hands full. The big rallies in CAT, TITN and FMC will all fizzle-out and roll over during the year.

 

There will be stories of bridges collapsing, water systems and pipes failing and roads crumbling.

 

Republicans worried about Sleepy Joe Biden’s policies shouldn’t. With the country in recession, there will not be any progress on issues such as climate change or any progress on that New Green Deal stuff. There is simply no money there. Young folks that care about climate change will find that after they are laid off and then unemployment compensation ends, they are not going to want to see money spent on climate change; they will want assistance. The climate change talk will fade into the background as the pandemic, falling markets and a weak economy take center stage during 2021.

 

Millennials become smarter each year and many are figuring out that they were indoctrinated into liberal-thinking during their public school and college days. All that touchy-feely stuff does not put food on the table or pay the rent. Americans will become more savvy at being self-sufficient after becoming very soft over the last couple decades. Some men no longer know which end of a shovel to use; they could not fix a leaky faucet if their life depended on it. These are the bread and circus days, the end of a long multi-decade Kondratiev Cycle, so the societal goofiness is expected. Everything is entertainment these days, until it isn’t.

 

The long-term indoctrinations that target the youth and change society’s general thinking, such has happened in America’s school and universities over the last four decades, will proceed into gun control. Congress will battle the 2nd Amendment as usual and the agreement will be that anyone with mental issues should not hold a firearm. The catch is that the US government will use medical records and anyone that has ever told a doctor that they were depressed will be labeled as mental and potentially lose their gun rights. It is a Brave New World we are entering; expect lots of stuff like this to occur going forward.

 

Colleges will go bankrupt as everyone realizes they were bloated, expensive institutions not worth the money since many students cannot find jobs. On-line learning gains prominence as well as traders. Smart young folks that learn plumbing as a trade know that they are the most important person to arrive at the fancy dinner party when the toilets back up. 45 minutes later and $500 bucks in hand, the people may also give the plumber a meal, he exits through the kitchen door. If you are good with your hands, think about trades. If no one wants to do the dirty work, that is fantastic, you can do it, and those folks will pay you dearly for keeping their hands clean.

 

State, county and local governments will be screaming for funds due to the pandemic and years of paying big pensions to people laying around. There isn’t any money left. Services will be cut back. Taxes will likely have to be raised. Roads and buildings in communities will fall into disrepair.

 

Too many Americans have been living on the edge spending every penny each month so they can look like a big shot. This year is come-uppance time for many when they realize they are not big shots and instead have a lot of bills to pay for junk they purchased. A new frugality move for society will waft over the US.

 

The population will start to slightly separate with people that are pro-vaccinations and more willing to trust everything the government says drifting away from anti-vaccination folks that are less trusting of government. Dating apps may begin to ask if you have been tested and/or vaccinated for covid further separating people into groups.

 

Airlines and other companies will begin mandating a test or vaccine to travel or participate in events. There will be blowback and society may accept the need for a test but will not accept mandatory vaccines.

 

If mandatory vaccines are pushed, or mentioned a lot, it will result in riots and violence.

 

At the Fed, Brainard will be nominated to head the Fed and takeover from Powell in January 2022.

 

Since humans are not compassionate or empathetic in these bread and circus days, robots will increasingly be made to be empathetic and this field will grow faster than other robotic areas.

 

The republicans will pursue an investigation into Hunter and Joe Biden which will be a repeat of the Mueller investigation only the shoe is on the other foot.

 

President Donnie Trump will become a footnote and the year will move along without the orange man mouthing off every 10 minutes. CNN and MSNBC, and the broadcast television stations (ABC, CBS,NBC), and NPR and PBS will eliminate Trump from the news story line-up from 1/21/21 forward. Fox News and Newsmax, and talk radio, will continue carrying Donnie’s water but the general public will no longer be exposed to the Trump machine daily. Trump will fade into the background. The liberal stations mentioned will show Trump when he walks in and out of the New York court buildings in the future since that will paint him in a negative light.

 

Trade and tech wars with nations such as China develop into capital and currency wars.

 

China will attempt a soft takeover of Taiwan repeating their success in Hong Kong. One plan may be introducing a virus on the island and then as people become sick, the mainland communists will occupy Taiwan under the guise of helping. The CCP may have other nefarious plots in mind.

 

China will likely not attack Taiwan militarily. The US and other nations will have to decide if they want to defend Taiwan. The Quad (Australia, US, India and Japan) has the commies surrounded and the Five Eyes (US, UK, Canada, New Zealand and Australia) share intelligence only among each other. Many will say no. It would be smart to defend Taiwan and the Free World would come together with a plan. Taiwan is a great country (the filthy communists will not want to hear Taiwan called out as a country) that should remain Westernized. There is going to be headaches here. The US and all Western nations should band together and protect Taiwan at all costs. Those dirtbag Chinese communists will back down. Remember, all people everywhere are the same and only want to live and raise their families without hassles, but all are subject to their government structures. The Chinese are great people but they must perform the bidding of the dirtbag CCP (Chinese Communist Party) that controls their lives.

 

US and Chinese ships are bound to collide at some point in the South China Sea creating an international incident.

 

Turkey is a trouble spot this year. Dictator Erdogan, that used to be a nice guy 15 years ago, but is now a murderous piece of garbage, wants to see a return of the Ottoman Empire. Turkey is stretched too thin in Syria and Assad is also involved in Libya. Turkey is extremely strategic nation and may be a center of attention this year.

 

Russia is also in turmoil this year due to the pandemic and Putin’s health. Putin will become sicker with cancer and it will be obvious looking at him. The dirtbag dictator also has the onset of Parkinson’s. There may be a power struggle occurring in Russia this year.

 

Q1 2021 is going to be a historic time in markets and the economy and talked about for decades to come.

 

As a general rule this year, short any stock versus going long.

 

APRN and GRUB may hold up better than the broad market this year.

 

PTON has topped out and will trail lower through 2021.

MGPHF and other graphene plays remain a pet interest of Keystone’s and are very long-term speculative lottery ticket plays. Keystone continues to hold MGPHF and will likely add some more this year as it shows some signs of life.

DBA and JJG, ag-related ETF’s, were two of Keystone’s best calls for 2020 and they should continue floating higher this year. They can serve as a place to park some dough if you have a lot of money and are looking for hiding places.

Homebuilders and real estate plays are a short this year just like nearly every stock in the market. KBH, DHI, PHM, LEN, TOL, NVR, VNQ and XLRE can be shorted during the year; they should trail lower all year long. There is a lot of hype about people moving out from the cities due to covid but those folks are used to neon lights and honking cars not pitch-black darkness and crickets.

Folks owning McMansions are in for a big shock in the years ahead. All bought on the standard assumption that house prices never go down. Your house value will always inflate. This will end. Baby boomers, as they try to cash out of their McMansions and move to a smaller patio style home, will discover that the young people are already living there and they do not want a huge home with two furnaces, four toilets, two hot water tanks, etc.. That is simply more stuff that will break and require repairs. House values will not be joyful moving forward for the next few years.

US commercial office space and retail space is in for a tough year. As people lose their jobs, more space will become available. As businesses close doors, the recession deepens.

BECN, Beacon Roofing, was another winner last year and it should continue higher. Just think of all those McMansions that will need new roofs and they are not cheap. New roofs on some of those houses cost $20K and $30K. Keystone is not a long-term guy but this is probably a ticker you can probably put some dough in and leave it there a few years.

The gene-editing stocks were also big winners from last year’s predictions. DNA analysis is popular. CRSP, EDIT, NTLA and SGMO should remain buoyant all year long but they are already pumped. One idea would be to wait for the stock market to be flushed and for everything to be sold off. Some investors may receive margin calls and may have to sell positions which may allow lower entries on these, what may be, high-flyers this year. If a skilled fundamental analyst, you can assess the balance sheets on these companies and may find a nugget.

Sensor companies were another winner from the 2020 predictions. SNE, APH, CTS, ELSE, LFUS, ST, TEL, TDY, VPG and INTC are all in play but none of them are impressive after their decade-long runs. The best two that may have a little more life are TEL and CTS. Five that can be played short going forward are SNE, APH, LFUS, ST and TDY. Tech and sensors will roll over this year. A lot of project work and need for sensors in research will stall as the recession bites and money becomes tight.

Companies manufacturing drones or connected to the industry will likely rally such as AVAV, GPRO and AMBA.

VNM, the Vietnam ETF, was another winner from the 2020 predictions. The Vietnamese are willing to work all day for a hotdog and a Coke so it is the latest country offering slaves du jour.

Indonesia, EIDO, will feel love like VNM.

Mexico, EWW, should rally even though their pandemic is bad like the US.

Brazil, EWZ, should hang in there and at least fall less than other global stocks.

MA, MasterCard, and V, Visa, are shorts like the broad market. What a decade-long run they have had. It ends this year.

As always, perform your own due diligence on the companies, sectors and indexes above and consult your financial advisor before placing any trades.

Please support the K E Stone financial blogs (The Keystone Speculator and Keybot the Quant) to continue the best technical analysis and quant information on the internet, otherwise, it will disappear at any time. Everything goes to a good cause so turn the sofa cushions over and send in the loose change. The food banks are really hurting these days.

Make sure you clean out your pantry and donate the canned goods to your local food bank. You can go and buy new stuff. Also, donate your old winter coats, boots, hats, scarves and gloves to the local thrift shop. Poor kids will be happy that they can buy that coat for a dollar or two and no longer freeze every time they go outside. Find the local thrift shops ran by volunteers not the big-box thrift stores. The local folks that volunteer their time help the working poor directly while the big-box stores pool the money into a central pot and then divvy it out from there of course after they put some in their own pockets.

Feeding America is another way you can help folks. The musicians are royally screwed with this covid garbage. Playing live is the life-blood of a musician; you need that to feed off the human energy and the listeners need to feel the resonance of the strings through their bodies. Save Our Stages is trying to help the creative souls. Well, as Joe and the gang from Da Burgh will tell you, Everything's Gonna Work Out Right. Yinz hang in there.

Good luck to all in 2021.