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Stock Options

What are

A **call option** is like a coupon that lets you buy something later at a fixed price. Imagine you have a coupon for a toy that says you can buy it for $10, even if the toy's price goes up to $20. With a call option, if the price goes up, you can use your coupon to buy it for the lower price. This is good if you think the price of something will go up.

A **put option** is like a coupon that lets you sell something later at a fixed price. Imagine you have a coupon that says you can sell a toy for $10, even if the toy's price drops to $5. With a put option, if the price goes down, you can use your coupon to sell it for the higher price. This is good if you think the price of something will go down.

**Spread options** involve using two coupons at the same time, one to buy and one to sell. You might buy one call option and sell another at the same time. This helps you make money if the price moves the way you think it will, but also protects you a little if it doesn’t move as much. It’s like playing it safe while still trying to win.



1. **Up Pattern (Bullish Patterns)**:
- **Head and Shoulders**: Imagine you see a mountain with three peaks, the middle one taller than the others. This pattern often shows that prices will stop going up and might start going down.
- **Double Bottom**: This looks like the letter "W." If prices go down, then up a little, then down again, but not as low as before, and then up again, it often means the price will keep going up.

2. **Down Pattern (Bearish Patterns)**:
- **Head and Shoulders (Again!)**: If you see that mountain shape but upside down, it often shows that prices will stop going down and might start going up.
- **Double Top**: This looks like the letter "M." If prices go up, then down a little, then up again but not as high as before, and then down again, it often means the price will keep going down.


 

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BTS Robinhood Plays

blue porsche and I

In July 2024, I made the life-changing decision to resign from my service manager role in Hawaii. My purpose was simple: to spend precious time with my children and family, and to share the financial wisdom I’ve gathered from my global experiences with those I care about most—right here at home.

Since returning, I’ve been living the life I once only dreamed of—one filled with moments that truly matter. I’ve spent these past two months enjoying the simple joys of life: running around the park, playing in the yard, riding bikes, and laughing in bounce houses with my kids. These are the moments that define us, yet they’re often overshadowed by the grind of working just to pay the bills.

This life might not be for everyone, but for me, time is a gift we can never reclaim. I refuse to spend the limited time God has given me working for a company or doing something I hate, instead of cherishing these fleeting moments with my children and embracing the fullness of life.

This is the vision behind Christine’s Heart; 1st & 15th Prospera. We’re not an investment firm—we’re offering something far more valuable. By investing with us, you’re not only gaining financial knowledge and the opportunities that come with it; you’re also being given a rare chance to achieve true financial freedom. It’s more than an investment—it’s a path to a life where time is yours to spend as you choose.

Corey Dowdell, CEO

my testimony

USA, Atlanta, Georgia

Comparing a 401(k) Investment vs. Christine’s Heart $30K Program

Both investment strategies aim to grow wealth over time, but they differ in structure, returns, and accessibility. Let's break them down.

1. 401(k) Investment (Traditional Approach)

Scenario: Maxing out a 401(k) with a 6% employer match for 20 years.

  • Initial Investment: $23,000 per year (plus a $6,000 employer match)

  • Total Contributions: ~$580,000 over 20 years

  • Assumed Growth Rate: 8% annually (market average)

  • End Balance: $1,433,265

  • Liquidity: Limited (penalties for early withdrawals)

  • Risk: Moderate (market fluctuations but long-term growth)

  • Taxation: Tax-deferred (taxed upon withdrawal in retirement)

2. Christine’s Heart $30K Program (High-Growth Alternative)

Investing $30,000 with Christine’s Heart for accelerated returns.

  • Initial Investment: $30,000

  • Timeframe: 12 months

  • Projected Growth: $100,000+ potential return

  • End Balance (After 20 Years of Reinvesting Profits): Significantly higher potential

  • Liquidity: Higher (faster access to funds)

  • Risk: Higher (active investing, market knowledge required)

  • Taxation: Depending on structure, profits may be taxable each year

Which One is Better?

  • 401(k) is best for long-term, stable growth with employer matching and tax benefits.

  • Christine’s Heart is best for those seeking faster returns with the ability to reinvest profits multiple times over a 20-year period.

If someone starts with $30K in Christine’s Heart and reinvests profits wisely, they could reach seven figures much faster than a 401(k)—but with greater involvement and risk management.

Comparing a 401(k) vs. Christine’s Heart $30K Program (12-Month Cycle) 1. 401(k) Investment (Traditional Approach) Annual Contribution: $23,000 (plus $6,000 employer match) Total Contributions Over 20 Years: ~$580,000 Assumed Growth Rate: 8% annually (market average) End Balance (After 20 Years): $1,433,265 Liquidity: Low (penalties for early withdrawals) Risk: Moderate (market fluctuations but long-term growth) 2. Christine’s Heart $30K Program (12-Month Cycle) Initial Investment: $30,000 Timeframe Per Cycle: 12 months Projected Growth: $100,000 per year Reinvesting Profits: Compounding over 20 years Liquidity: High (cash available yearly) Risk: Higher (active management required) Projected Growth Over 20 Years (Reinvesting Profits Yearly) If the $30,000 grows to $100,000 in one year and the full amount is reinvested each cycle: Using the formula for compound interest: 𝐹𝑉=𝑃(1+𝑟)𝑛 FV=P(1+r) n where: P = $30,000 (Initial investment) r = 233% return per year (since $30K → $100K) n = 20 years Let’s calculate the final value. After only 10 years of reinvesting profits in Christine’s Heart $30K program (with a projected $100K return per year), the potential balance could grow to well over $4.1 million—a massive theoretical number driven by high annual compounding. Key Takeaways: Christine’s Heart offers much faster wealth accumulation, assuming consistent performance. A 401(k) is safer but slower, growing to $1.43 million over the same period. Christine’s Heart has higher risk but far greater liquidity, allowing access to funds yearly. In reality, market fluctuations, taxes, and reinvestment strategies would impact actual results, but the difference in potential returns is clear.

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Mahalo

blu porsche

blu porsche

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