A shabby day today that has not been reciprocated in the US market - maybe it'll blow over. US Futures are up. RBA today. BNPL takes a bloody nose as with one sweep of computer code PayPal adds "Pay in Four" to PayPal usage in the US. We talk about "Beneficiaries and Victims" and switching from one to the other at the right time (have we gone too early?). A few technical sell signals today - a lot of sell signals in fact - I have only posted JBH and NCK making the same point - its that as good as it gets for COVID beneficiaries. We have taken our FMG and RIO holdings down a bit today. BHP goes ex-dividend on Thursday we'll do the same thing after Thursday with them. We start our ETF education today with the Marcus today ETF SPREADSHEET - and a look at the main ETFs used in Australia, Enjoy!