In Investing Accelerator, we are starting a new monthly prize pool for top 10 most active members Congratulations to the following 10 people for being the most contributing members of the community: 1) @Monica Bernard 2) @Lindsay Talbot 3) @Rong Zhou 4) @Sharon Yuen 5) @Kevin Esmati 6) @Sukhwinder Dhanoa 7) @Cris Bob 8) @Sa L 9) @Sandra Van Den Ham 10) @Velle SG I (Michael) will contact you in the chat to provide you with the gifts. You will receive: - 1 share of NFLX $93.94 USD To show proof of purchase, you must post in the community that you received the share. For next month January, the prizes will be: - 1 share of CROX Historically CROX had a good trend but currently at a deep discount. This is likely a long term investment as the bottom forms As the overall market is correcting, we will likely see the bottom near end of September You can be the next top contributor for the next 30 days (https://www.skool.com/investing-accelerator/-/leaderboards) Investing Accelerator Incentives: Get Richer by Helping Others Succeed 1. 🎁 Join Investing Accelerator for Free: Share the "How to Join Investing Accelerator for Free" guide with a friend. If they join, you both earn the referral fee. Learn More (https://www.skool.com/invest-retire-community-1699/how-to-join-investing-accelerator-for-free) 2. ⏱️ Speed & Success Bonus: Complete the program within 90 days and pay off the remaining balance to get 10% off the balance. 3. 📈 Trading Milestone Rewards:

- Dec 31 is Warren Buffett's last day as CEO of Berkshire Hathaway - He started in 1965 with the stock at $19; today it's up 3,950,000% to $750,000 per share 5 Buffet quotes to ponder - “Rule No. 1 is never lose money. Rule No. 2 is never forget Rule No. 1.” -“The most important thing to do if you find yourself in a hole is to stop digging.” - “Price is what you pay, value is what you get.” - “Risk comes from not knowing what you are doing.” - “Today, people who hold cash equivalents feel comfortable. They shouldn’t. They have opted for a terrible long-term asset, one that pays virtually nothing and is certain to depreciate in value.”

3,2,1 - Happy New Year ! As we flip over the page of 2025 and continue our journey into 2026, I would like to thank you for being part of this community and on my email list. 2025 was a year of growth for me, where I rapidly tested hundreds of investing strategies (experiencing another growth spurt in my investing career) 2026 ​is the year when we scale strategies and help more people in the process ​​Instead of capital gains, my focus is now to help people retire better with income-genearting strategies. ​​ This is particularly helpful if one is using Roth or a Traditional IRA to invest, where one can generate the income and delay tax until one needs it (or completely tax free with Roth) ​​ ​I wish you the best for 2026 and thanks again for your support in 2025. Cheers, Eric ---- Eric Seto Chartered Professional Accountant (CPA) Chartered Investment Manager (CIM) Founder of 5MinInvesting.com In January, my goal is to help 25 people without a financial background to master investing through Investing Accelerator. Investing Accelerator is designed for people without a financial background. The goal is to achieve 30% return per year. In the first phase, you will learn long term investing and targeting 30% for tax free compound growth. This will help accelerate your overall wealth. In the second phase, you will learn monthly passive income to provide a more predictable cash flow (target 30% per year) which can cover your expenses. This will help accelerate your retirement goals. Here's a step by step guide on how to join Investing Accelerator for free: https://www.skool.com/invest-retire-community-1699/how-to-join-investing-accelerator-for-free If you are interested, then let's hop on a call to see if you can benefit from the strategies in Investing Accelerator and get target 30% per year. During the call, we will map out exactly how you can achieve target 30%, what you are lacking, how you can improve.

Purpose: Tax-loss harvesting involves selling investments that have declined in value to realize a loss. This loss can then be used to offset capital gains from other investments that have been sold for a profit. By strategically managing these losses, investors can LOWER their taxable income and potentially REDUCE their tax bill. Using my LULU investment as an example. I have 200 shares; 100 shares were purchased (via csp assignment) on 3/25/24 at a $425 strike. Another 100 shares were purchased (via csp assignment) on 9/5/25 at a $240 strike. At Charles Schwab, they offer a feature called “Tax Lot Optimizer,” which is managed as follows: 1) Short-term (1 year and less) first, then long-term (longer than 1 year), 2) From the biggest losses to the biggest gains. I sold a covered call @$187.50 strike, which was assigned on 12/19/25. I have pre-set “Tax Lot Optimizer” methodology for my account, which I later realized was not the best approach because it applies the short-term loss first, which wasn’t my biggest loss; it only reported short-term loss of $5,250 ($187.50 - $240 = $52.50 per share x 100 shares). I spoke with the Schwab Tax Department to clarify my understanding. Consequently, it was redirected to report long-term loss of $23,750 ($187.50 - $425 = $237.50/share x 100 shares). For tax-loss harvesting, our goal is to minimize our loss (in terms of tax liability & giving up as few shares as necessary), so I need to harvest the bigger loss to offset my YTD capital gain. Ultimately, minimize my 2025 tax liability. Tip1: Remember to call your brokerage firm asap and before it settles if you have any questions or changes to be made. In the USA, it is “T+1” which means it settles 1 day after the transaction date. Once the settlement is complete, it is set for tax purposes. Tip2: Long-term capital gain has the lowest tax rate, so I always strategize in a way that will help me to yield more long-term capital gains. In this example, I have a higher probability of capital gain from the $240 than the $425 unit cost. And by 9/5/26, my $240 unit cost shares will become long-term capital gain if I sell them for more than $240.

I collected $1,010 premium this morning 3/11/24 by selling put on LULU with 3/22/24 expiration. Why: 1). @Eric Seto had posted that indicating he Forecast earning will be positive (earning call is around the corner 3/26/24) 2). $425 is below 11/27/23, support level of $427.73. Market is at $459ish. WOW already achieved the goal. Thanks Eric!