hey what's up everyone my name is Ali welcome back to my world of stocks uh now if you missed my last video I mentioned that I'm bringing back my ask Alis Series where I respond to subscriber comments and questions just a fun way of me connecting more with you guys and uh just really getting some interaction with you now I do want to get through as many comments as possible so these will just be very rapid fire quick responses only spending like a minute per question on average hopefully and those questions or comments can be about literally anything it doesn't just have to be about stocks you can ask me about myself my YouTube Journey or anything else you'd like now for this I did also bring back the ask Alid tab on our community Discord and I'll be answering 100% of the comments posted there so if you want to make sure that your question gets answered uh that's really the best place for you to put it however I will also take comments from other areas like patreon and YouTube so feel free to drop comments here as well and they might get chosen in the future okay so with all of that said let's go ahead and start things off now with some Discord comments first and this one comes from enr who says uh what was the worst investment you ever made and what did you learn from it it can be stocks or anything well I'll just go with stocks here to keep it simple but you know for sure the worst stock that I ever purchased was a speculative online education company called to you now thankfully I only owned a small amount of it because I really make it a rule to never go heavy into a stock that I do consider speculative but the biggest lesson that I learned from that was to really pay closer attention to the management team and not underestimate how easily they can really destroy a company or send it downhill cuz I I really focus more with that one on the high growth opportunities that I saw from online education I've always felt like that's really the future of education and I used to be a professor myself so I really know that the future of education is going to be digital in my opinion but uh man did management really drop the ball quarter after quarter they seem to never really um have clear Direction with this company and in that market they consistently um flip-flopped a lot and it just got to a point where I said screw it I'm getting out of this company I'm getting out of this stock which even though I sold for a loss it was still the right move because I believe they eventually went bankrupt and then privatized so uh really um that was also another lesson learned there to not be afraid to sell for a loss if absolutely necessary I mean you know I know I always preach long-term investing but if you have to get out you know sometimes if you don't see a clear um goal or Mission from management if you see that they're not sticking to it if you feel like there's a clear pattern of mismanagement and you don't think they're going to turn things around in the future could be a good idea to just get out of that stock before things get worse next up though Jason asked if you could only own one stock for the rest of your life what would it be okay so that's a fun question I won't take it too literal here but just kind of hypothetically let's say that there's only one stock that I can buy right now you know you would think that I would go with Google since I've been saying a lot lately that that's really my number one favorite stock in the entire Market but that's kind of just speaking broadly overall when considering the valuation today's price their current performance their size and their future growth opportunities however uh if it's only one stock that I can own I think I would actually want something that is extremely difficult to replicate cuz it's the only stock I can own I really want to make sure there's a lot of safety with it and while I do think that Google has that for sure I just think that Amazon would be a little stronger in that area like when you think of Google you know you mostly think of search and maybe digital advertising but that's something that could you know very far down the line be replicated fairly easily in my opinion whereas with Amazon their online shopping and cloud computing dominance I think would be much harder to challenge especially online shopping just because of the massive size and scale and infrastructure that you would need to build out just to challenge them I mean ordering you know something on my phone and getting it delivered the same day many times that's not an easy thing to just kind of buy your way into from nothing you're going to have to build out massive infrastructure for it so I'd probably take Amazon as I can't really Envision anyone being able to Dethrone them at the moment at least not here in the States you know I know in Asia there's Alibaba and jd.com they're doing a lot they have a lot of success over there but that you know there's also search engines out there too like BYO so it's all kind of relative depending on how you look at it but yeah I would I think I would take Amazon okay next up we have Michael who says hi all how many stocks do you think someone should hold in their long-term portfolio what fact factors should I consider like strategy wealth mindset Etc I hope that's not too big of a question not at all Michael and thank you for the question I I actually uh really like it I think it's a good one now to be honest I kind of feel like you answered it sort of in a way because those are absolutely all things to consider that you just mentioned and the biggest really I would say though is what your risk tolerance is cuz the fewer stocks that you hold the higher your risk will be but the more diverse verified you are with more Holdings the safer you'll be in my opinion now I wish I could give you a fixed number to go with here in terms of how many stocks but the truth is that you're probably just going to have to play around with it and see over time what you're comfortable with cuz another giant variable I would say is how many companies can you realistically keep track of for me it's a giant amount but that's because I live and breathe stocks it's literally my job so it's easy for me to manage so many companies and diversify into so many stocks it's what I do for work and it's also like a big hobby of mine I love doing it so it's easy for me to keep track of them but it might not be for you you might have a completely you know different job you might have lots of other Hobbies other responsibilities and if that's the case maybe you only want to go with like I don't know 5 to 10 core stocks relatively safe ones that you understand their business maybe you use their products yourself it might be a little easier for you to stay on top of them and you won't get so easily overwhelmed from tracking them but for me again it's way more than that just because I love to buy stocks I love to track companies I love hunting for the best deals and whenever I see a good deal I got to pick it up even if I already own other stocks so I just end up with you know a pretty large portfolio because of my investing style but everyone is different and that's totally fine too okay one more here from the ask allet Tab we have enr again asking how have you come uh I'm sorry have you come across C any stock similar to dnp this stock oscillates between uh $8 to $11 and gives 8% yield one of my office mates literally own this stock from last 20 to 30 years looks legit to me now unfortunately I'm not familiar with that stock thank you for the question but uh yeah I'm not familiar with that stock myself I did do a quick Google search just to just so I could answer your question though and uh it looks like they're an investment company that invested and other stocks particularly energy and Telecom uh where they get big dividend yields because they're usually those type of companies usually pay out dividends so they get big dividends from that and they distribute it to shareholders in the form of a large dividend which like you said currently does yield around 8% that's very attractive and the stock does hover around that $8 to1 range like you mentioned too it is also negative though all times so my guess is anyone buying this stock is mostly trying to swing trade within that range or maybe what is more likely is they just kind of buy it whenever it's at the lowest areas of that range and then they collect you know those big dividends long term but they're not really maybe they're not really investing in it too much for the actual price um appreciation right and so I think that could be a good strategy but uh I don't own this stock myself but I can see why your friend does and I wouldn't be against it but it's not you know it doesn't look like something to me that would be like a giant per former so that's probably why it doesn't get talked about a lot you know on YouTube and stuff they usually talk about more hyped up stocks this one maybe is a more kind of boring div uh dividend income type of stock all right before we shift over to some YouTube comments though I do just want to quickly cover a couple more here from the other tabs uh Discord calls these channels I usually say tabs because for other people it might be easier to understand but yeah they call these other channels and in the video suggestions Channel uh Michael asked if I can make a beginner friendly video on how to use valuation metrics and that's definitely coming Michael hopefully this week or next week but you know I'll definitely get that video out for you soon hopefully uh and then in the is it a bu Channel ma Malang asked given the current turmoil uh surrounding Tesla do you think it's a long-term buying opportunity it has recovered a bit the last few days but still the Outlook doesn't look that great for the near future and some other members responded to that too by the way Michael even wondered if new conservative buyers uh will help offset the loss of liberal buyers which is an interesting thought for sure but I personally don't know I I think Tesla has amazing Technologies and a lot of future potential especially you know in energy autonomous driving and even robotics but the valuation has always been Rich for Tesla and at the moment there is a big backlash from you know especially liberal consumers who used to be Tesla's biggest fan base so going forward now uh it's hard to know how much that will ultimately hurt Tesla's growth now that their biggest fan base is kind of turning on them and growth is also very crucial for that rich valuation so you know it could hurt them and I think it's I would say it's probably going to take a few quarters for us to really see how big of an impact this will ultimately be um so at the moment I'm just kind of holding on to the shares that I already have I don't really plan on either buying or selling until we get some more clarity on this whole situation and then hopefully I can do like a deeper dive video for you guys when when I have more information when I have more more of the facts that I can present to you uh which when I do though I promise I'll try my best to stay politically neutral I know that you guys don't come here for politics so I try to keep that stuff out and I just try to have an unbiased view from investment perspective alone and hopefully that's what I can do for you guys in a future video for Tesla but just giving you a quick response here it's hard to tell there's a there's like a fog of War here where it's kind of hard to tell how all of this is going to play out and man is it a wild situation you know Teslas some Teslas are getting like blown up or set on fire it's crazy out there but yeah it's a very volatile situation so we'll have to see how it plays out but it's an interesting one for sure um okay uh we're running a little low on time here let's finish up with some YouTube comments we'll go through these a little faster I'm starting with several comments here actually mentioning bots in the comment section of my videos a lot of people talking about bots so many bot comments just going in there trying to sell cryptos and all these weird things and this is something that I've been trying so hard to stop guys I promise you and and every time that I ban like you know 20 different people another 50 show up and then when I ban them another 100 show up and then I ban a keyword and then they either change the word or make some new crypto coin that they can try to sell to everyone so they always kind of try to find ways to get around me banning all of these robots whatever they are I don't even know what the heck they are but um it's super annoying I know it's annoying I'm frustrated too guys trust me and uh I really wish YouTube would figure out a way to stop them but for now all I can say is please guys please don't ever fall for such obvious scams you know telling you to buy a crypto or to message them on what on WhatsApp those are like or even email the such obvious obvious scams whenever they say things like that and I even looked this up on Reddit because I was just curious like who could possibly be falling for these scams like in my opinion they're the dumbest scams ever but people people fall for them I'm not saying that in any kind of a mean way or anything but you know unfortunately a lot of people fall for them I found on Reddit there's there's actually people saying that they lost like all their savings falling for these scams and I'm just thinking to myself you know how could anyone see like 100 comments of these Bots you know saying the same exact thing to buy some AI cryptocurrency coin that literally nobody has ever heard of or talk talks about and yet they think that that's a legit investment I don't get it it makes no sense to me but you know I I still feel for them and um I try to block these scams as much as I can but uh you know you also just have to be careful yourself not to fall for them hope you know hopefully that's the case and by the way there's even scammers that will use my name or copy my picture those are a little more um you know complex scams but you have to be careful and ignore those too but I'm trying to block as many as I can like I said but uh yeah hopefully you guys just stay safe out there okay um let's go really rapid fire now I took a little bit on that one but uh we got Jay Mata who asked what about Berkshire stock uh Burkshire stock for the community port for this is for the community portfolio and um I think birkshire is great for long-term stability but it's a little too boring with not enough growth potential in my opinion so it's not a stock that I've ever owned but I know a lot of people like it uh Jay also asked what is your take on holding some gold in the portfolio now I think gold and other types of Investments are great especially real estate for anyone that can afford that but I don't really count those as things that are uh part of a stock portfolio I would separate the two but yeah I don't have any issues with it um fabba asks hey alet I'm looking at some dividend paying stocks myself and I'm wondering what a payout ratio above 100% means how is that even possible uh well hi fabba and uh yeah this might depend on the metric that you're using like whe you know whether it's net income or free cash flow or something else but typically a payout ratio above like 70% I would consider that high for the average stock out there and yeah over 100% is obviously you know it's going to be pretty bad it might just be a short-term issue though like maybe they had a one-time earnings drop but they're expected to recover so because of that they might not consider it a huge issue and they might just decide to keep paying the dividend regardless because they know they'll they'll be able to afford it later on but if it's consistently um higher paying out more than the company earns then yeah that's a concern because it's probably signaling that the company is in Decline and they'll either have to cut that dividend or issue new shares or take on debt just to be able to pay it none of which is good for investors though so definitely something to keep track of Deborah says great content I look forward to your videos well thank you Deborah that means a lot to me and I really appreciate your support uh Thailand Terry says informative video allet thanks for your time and effort well thank you Terry I know that you leave a lot of nice comments and I really appreciate it you mean a lot to me and thank you thank you my friend uh crypto C Krypto saai asks when did Alla get married well to be honest uh my girl and I didn't really want a wedding we just wanted to be married to each other and under the eyes of God so I got us some rings she got me this really cool Star Wars ring it's like a Boba Fett ring I'm a really big Boba Fett fan and and of course I got her rings too and um we're just going to be doing a little ceremony on the beach with my godfather who's also a pastor but we're not really doing the whole big wedding thing cuz we feel that you know that's very stressful it it can be a big waste of money too so we'd rather just do something small for ourselves but yeah we just consider ourselves married now under the eyes of God and we're very extremely happy about that so I love calling her my wife and yeah we're we're very couldn't be happier all right uh jumpy Jeffrey has a big one here uh this one is related to the community portfolio he says the problem with your portfolio from my perspective is its structure for how much money you have in it you are over Diversified diversification is for the rich as you grow in wealth diversification should increase but because you are so Diversified at these early stages you are limiting your gains and might as well be in an ETF it probably has about the same gains because your big gainers are such a low percentage and has a lower risk profile you have the diversification of someone with over a million dollar okay well thank you for the comment Jeffrey um and this is probably a conversation that would be better served if we were like kind of going back and forth here but um I got to say I do highly disagree with you and the reason why is because I think diversification is great for anyone at any budget and I think portfolio size is all relative and the size of gains is subjective too what's big to one person might be tiny to another plus I feel that your argument um with all due respect is not really using any facts you're just kind of making a vague claim here about diversification only helping the rich because your gains would be theoretically bigger with fewer stocks but the problem is that that's a hindsight argument because you're assuming that you know exactly which stocks will be the winners which if that's the case then you should you know you should be like a mega Rich billionaire out there you know sailing on your yacht because you you would know how to perfectly pick stocks however that's obviously not the case for anyone in the world and if I only held a couple of stocks for example like maybe you would want me to um and they happen to perform poorly well then I would only be left losing money whereas someone that's Diversified could actually have a couple of bad performing stocks that they accidentally got wrong you know which is a real thing it can happen to anyone but they would still be positive overall because of the other good stocks that they own that outperformed and made up for it hence the whole benefit of being Diversified like in the community portfolio we have stocks that we're negative on but we also have stocks that were positive on and that helps us the diversification keeps the risk low which you also mentioned but in other words you know I would say that we're not fortun tellers and especially anyone with a small portfolio that is just starting out they're much more likely to make mistakes so telling them to go all in with only a couple stocks that's almost like gambling and I think it's horrible advice in my opinion I would instead focus on building out a well Diversified and reliably structured portfolio for the long term with a balance of some risk but also some safety some value size growth dividends and other things like that but thanks for the comment and I'm sorry but I just disagree with your claims here also ETFs I think are not the answer either because there's no ETF that will hold exactly the same stocks that you want to be invested in or at the same ratios that you want not to mention that most uh you know ETFs out there can hold hundreds of different stocks that you never wanted to own to begin with so I think the two are not comparable at all and that's just another argument that I'm personally not a big fan of but thank you again for for your comment and and your question there okay uh last one here guys we'll just do one more to finish up the video this one is from gamble Boi says excited for the dividend video Ali what do you think of cop for dividend stock uh thanks for the comment Boi I don't personally own any oil and gas stocks but if I had to choose one my favorite would be Chevron because of how much they've invested into Renewables for future growth while still generating you know a lot of profits with a big dividend and a reasonable valuation but that's just my opinion all right that's going to do it for this episode of ask Ali I hope you all enjoyed it again make sure you leave your comments and questions down below especially on Discord those will get answered those will have priority but uh yeah thanks again for all your support my friends means a lot to me hope you're all doing well out there and I will catch you in the next one all right take care everybody bye-bye