Subject: File No. S7-10-21
From: Skylar Caldwell
Affiliation: Disability

August 30, 2021

1. Do you have one or more online trading or investment accounts?
Yes, I have one or more accounts that I access online using a computer.

2. If your response to Question 1 is Yes, do you think you would trade or invest if you could not do so online using a computer or using a mobile app?
No

3. On average, how often do you access your online account?
Once to a few times per month

4. On average, how often are trades made in your online account, whether by you or someone else?
Once to a few times per month.

5. If you access your account online, did you have the account first, and only began to access it electronically later? Or did you open the account with the idea that you would access it electronically immediately?
I downloaded an app or visited a website first, and then opened up an account with the company

6. My goals for trading or investing in my online account are (check all that apply):
Keep the amount of money I have, while keeping up with inflation
Save and grow my money for short-term goals (in the next year or two)
Save and grow my money for medium- to long-term goals
Have fun
Other
If Other, Explain:
Financial Education

7. What would you like us to know about your experience with the features of your online trading or investment platform? (Examples of features are: social networking tools games, streaks, or contests with prizes points, badges, and leaderboards notifications celebrations for trading visual cues, like changing colors ideas presented at order placement or other curated lists or features subscription and membership tiers or chatbots.)
I use TD Ameritrade. The platform is great educational and informative. Its the best example i think of what the platform should be. From great in person customers service (important they do not use automated run around bots to answer phones this is bad.)

8. If you were trading or investing prior to using an online account, how have your investing and trading behaviors changed since you started using your online account? (For example, the amount of money you have invested, your interest in learning about investing and saving for retirement, the amount of time you have spent trading, your knowledge of financial products, the number of trades you have made, the amount of money you have made in trading, your knowledge of the markets, the number of different types of financial products you have traded, or your use of margin.)
I cried when I was unable to bet on Cisco in 1997 these platforms did not exist and I was going to school for Fiber optic installations and I knew. I have been poor my entire life because i could not play a sure thing. I let them shake me from TSLA and now i am in Gamestop I will not give up I will buy more I will buy crypto I will not sell. Even though i am 40 years old and have never had a net worth more than $10,000. My father is in prison 17 years for a single and was put there by the banks. They took our family property in 2005 he did not have a will or trust and they were shutting the water off to our town. I learned what arbitrage was.. This was a and crooked corrupt act. This is the only way my family will be made whole. My 60 year old father will get out of prison this year. I am homeless and have $2000 i save and its gained 50%. He did nothing wrong. He made some rude comment to police when getting arrested and did his full time for it not a single day off he get out in 2022. Homeland security made an example and no recourse on the banks now its been 17 years. no trust no will i had no way to fight for him. It all happened in Antelope Valley California. I was going to school for computer science and networking when this all happened. I ended up a warehouse worker and then on disability from mental anxiety and physical injuries. I could have been more.. The system owes me and this is how i win I buy and Hold whatever i can afford I rage save win or loose its all or nothing. Banks have more authority than police banning you from digital access to finance in a cashless society is criminal.. I was in cheksystems and had to pay $1000 over a $45 overdraft in 2011 in order to get an account to ACH to my trading platform. They ruin lives and they are not the police they should not have this authority. Wann know why DeFi is going to kill out Dollar .. centralized financing by heartless inhuman individuals. And the broken system that puts them there. I took 20 years then i finally got my first brokerage account in 2016. I do not use margin and i only invest long term. never had the capital to day trade, but if i did i would not need government assistance. as i am disabled and know the value of a trust now. it took 1/2 my life to get this far. I am not leaving.

9. How much experience do you have trading or investing in the following products (None, 12 months, 1-2 years, 2-5 years, 5+ years):
Stocks : 2-5 Years
Bonds : None
Options : None
Mutual Funds : None
ETFs : None
Futures : None
Cryptocurrencies : Less Than 12 Months
Commodities :
ClosedEnd Funds : 2-5 Years
Money Market Funds : 2-5 Years
Variable Insurance Products : None
Business Development Companies : 2-5 Years
Unit Investment Trusts : None

10. What is your understanding, if any, of the circumstances under which trading or investing in your account can be suspended or restricted?
Trading too many times in and out in a day. I can buy or sell but not day trade. I did learn this by making the mistake I was prompted and i respect the rule. However i feel if high frequency trading should be more heavily regulated.

11. What else would you like us to know positive or negative - about your experience with online trading and investing?
I do feel I spent 2 years not trusting my platform. Especially as it applies to OTC stocks I bought OTGLF cd project red I liked Cyberpunk 2077 and what they promised. I noticed issues with my Pricing and account and reported it to TD Ameritrade they recognized i was only holding 1 position and could not hide the deception Convenient error whatever is was I felt i was getting \"shaken out\" PFOF and OTC reporting Dark pools i could sense it all was working against me. I am not dumb and i know what arbitrage is.. gaslighting and gang stalking. the world is not that big of a place and I am not a conspiracy theorist but you deal with a market of speculators. My Thesis is correct thank you for restoring my faith in our financial system or at least my interest at this point.. I need this one This is why i am here. I will return it to the communities. Pay the taxes make those whole who i saw get broken. This has been a false narrative for too long. \"If the truth can kill it it deserves to die.\" Thats how we make America great again not fake news false entitlement. Real estate is not something we can make tokens and sell as investment Real estate needs to be made for families to settle and own. we need laws about real estate firm Manufactured Scarcity, Negative assets for profit. Time shares are a way for banks to report losses to evade tax. They create Tax liabilities on citizens that don't own anything. and create properties counties cant foreclose on because its structured in a way that there is no value Broken Politics breaking housing. Vacation rentals report losses.
Property management firms need to be regulated real estate needs to not be susceptible to such price manipulation When rent and housing is manipulated the government pays the bill.. and homelessness is blamed not solved by the greedy ignorant capitalists. Housing can not self regulate with supply and demand this is unconstitutional. I pay what the landlord demands and i don't complain. I supply money and when the economy gets bad its on the renters to double down on payments into the landlords equity account. that is not Supply and demand. when you have to work against you will to provide increased rent payments this by definition is slavery. So when the banks offer subprime loans and Uber is the only way to make money evey one moved into sprinter vans.
I see illegal immigrants come with cash from working in fields get loans for used salvage vehicles and go straight to Mexico. they never make one payment and come back into the same office with friends and do it again.. Subprime auto lending much?