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Forgot to post here, but I took my daughter and twin boys to a BROS the other day - our first trip there together. Usually a SBUX family, I jumped at the chance to take them as part of a due diligence trip as it's been quite some time since I ordered anything from a Dutch Bros. Even brought the doggo along as he likes to visit drive-thrus.

6pm on a Sunday, the line was probably 5 cars deep. Gal came to the car with a tablet to get our order, super friendly, suggested we download the app for free stuff in the future, which my daughter did immediately. Line moved pretty quick and while waiting, my older son texted in and asked me to get him a blended kicker, and when we got to the window, I asked to add that to our order. No problem, gal happily added it and told me it was on the house! Even gave the dog a little pup-cup with dog treats and whipped cream. Happiest dog in the world.

Kids sucked down whatever it was they got, really liked their sugary iced bangers and have already asked to go back, so BROS got their hooks into the Malaise kids. Should be good for business.

I would note that BROS is expanding into states like Texas and Florida where it's not getting any cooler. I imagine these iced sugar caffeinated concoctions will sell very well down there. Stock sitting at $70 which is expensive, but while SBUX has reported disappointing news and sluggish outlooks, BROS is doing quite well and seeing incremental growth. I'm remaining bullish on this one, though I have mental stops at $65 and $60 would be a puke out event for me. But I think it could test the 52-week level as well.
Saw a BROS near Orlando and immediately thought of this thread.

Shoot, I imagine that location would do well with all them tourists! (I've never been to Orlando, I just assume there's tourists).
I am sort of being a tourist in Orlando right now. I’m here for work, not for Disney or anything like that.
 

Good evening friends! I hope you all are healthy and happy!

I started putting the money back in (fat stacks if 1/4,yo) after the first (please don't make me look up the date) big down turn. Last stack went in on Friday. All in S&P ETF. No need to get fancy. I was up 14%YTD so have some cushion. Still, even after going through similar circumstances in the past, it's gut wrenching. I understand where many of you are coming from.

I'm with you Todem that the ego is POTUS Achille's heal. He thrives on high polling in "whatever", doesn't really matter. Something will be announced soon to at least halt this, IMO. If they don't, I wish I had more money to buy more stock!!

S&P 500

04/04/25 5074
05/14/25 5892

+16% which puts me up over 30% YTD
 
$UNH just got cheaper! Down to ~$290 in after hours. WSJ reporting they're under DOJ investigation for possible Medicare fraud.
Wow…..that is unreal. Either this will kill them or this will be proven false and a huge buying opportunity is in play.

But wow.
 
Master List updated for 2025

Please also understand I have been in a ton of these companies as early as 1990’s. I built my first true stock portfolio in 1992 when I was able to diversify it into over 20 positions. And it has evolved over the decades.

Here are all the positions we currently hold:

AAPL
ABBV
AEP
AMZN
CAT
CEG
CMI
CRM
CSCO
DE
DEO
DKS
DOW
ED
EXC
FI
GIS
GLPI
GOOGL
HD
HSY
JNJ
JPM
KO
LLY
LMT
LYB
MCD
META
MRK
MSFT
NEE
NFLX
NSC
NVDA
O
PANW
PEO
PEP
PG
PM
PPL
QCOM
SBUX
T
TGT
TSCO
TSM
TTD
UNH
V
VRT
VZ
WMT


Ones we exited out of since the last time we posted this list……which I don’t even remember the last time I did:

DIS
BA
CVS
CVX
PFE
this is fantastic. thanks so much!!

questions:

1) do you recommend a peanut butter spread of this list?

2) are there some you would prioritize/downplay for Roth IRA accounts?

3) will this post get more than 3 likes??
 
Still invested in the markets even though I pulled out excessive positions before liberation day. Glad things bounced back, but I still don’t regret my decision to reduce exposure and increase my cash positions. I’ve been moving my cash into short term CD’s that pay pretty good rates. I recently did a couple at US Bank that are five month CD’s that pay 4 percent annual interest. I also did a couple of 7 month CD’s at Bank of America that also pay 4% annually. When I was doing these CD’s—I was considering doing US treasuries (shorter term ones)—that pay a similar rate but are exempt from State taxes. This had me thinking—and I was going to post this in the economy thread—but apparently that has been locked—but if anybody would chime in—that would be great.

My thought is that it seems odd that the US government would charge federal tax made on gains on interest that is generated by US citizens that are effectively doing the government a favor and loaning them money (through the purchase of treasuries). One of the biggest issues that our government is facing is the interest due on the debt—and much of this debt is held by foreign entities and governments—so a lot of money is leaving the country. However, if the government made it so that there is a tax benefit for US citizens that purchased treasuries—more of this debt would be held by Americans. This would also make it so that the interest paid on this debt would be paid to American citizens that would/could actually spend this money and keep it in our markets. Wouldn’t it massive beneficial if a large portion of the interest paid by our government on the debt be paid back into our own markets? It just feels like reducing or eliminating the federal tax to US citizens on US treasuries could be a great idea. My thoughts are that the lobbyist that are effectively representatives of big business in this country would discourage that—as they would not want to see money come out of the stock markets? Is there anything else that I’m missing about how a reduction of federal taxes for US citizens on treasuries would be a bad idea?

4%, I think Nadia has double that in the last two days.
 
Oddly enough, In-N-Out has been trying to set up a location in Beaverton, OR for years and the residents and politicians have fought tooth and nail to keep them out due to traffic concerns they would cause Oregonians. For if you did open up one of these in the Portland area, the rubes here would lose their ever loving minds.

20 years ago, Popeyes opened up a location in Beaverton. It was so crowded, cops had to come in and do traffic control. Hour long waits for a long long time. For Popeyes. But that's not even the best part. Best part is that there was another Popeyes on the east side of the river on MLK Blvd that had been there for decades without any lines or traffic problems.

We are a silly people.
Can I interest you in a 15 car deep line at 9:00pm on a Tuesday? While there are McDonalds, Wendy's, etc around in similar numbers or restaurants, the In and Out lines are always absurd vs those places. They all have special parking lot lanes, etc to manage the traffic. The intensity of the car lines is definitely post-COVID thing.
Not for In n Out it isn't.
 
Oddly enough, In-N-Out has been trying to set up a location in Beaverton, OR for years and the residents and politicians have fought tooth and nail to keep them out due to traffic concerns they would cause Oregonians. For if you did open up one of these in the Portland area, the rubes here would lose their ever loving minds.

20 years ago, Popeyes opened up a location in Beaverton. It was so crowded, cops had to come in and do traffic control. Hour long waits for a long long time. For Popeyes. But that's not even the best part. Best part is that there was another Popeyes on the east side of the river on MLK Blvd that had been there for decades without any lines or traffic problems.

We are a silly people.
Can I interest you in a 15 car deep line at 9:00pm on a Tuesday? While there are McDonalds, Wendy's, etc around in similar numbers or restaurants, the In and Out lines are always absurd vs those places. They all have special parking lot lanes, etc to manage the traffic. The intensity of the car lines is definitely post-COVID thing.
Not for In n Out it isn't.

I'd add Chick-fil-A to that

Except on Sundays
 
$UNH just got cheaper! Down to ~$290 in after hours. WSJ reporting they're under DOJ investigation for possible Medicare fraud.
Wow…..that is unreal. Either this will kill them or this will be proven false and a huge buying opportunity is in play.

But wow.

There’s a third option, right? Where it’s not “false” but also not really fraud. Maybe something like compliance lapses that made them appear fraud-adjacent and they get fined or something.
 
Bond market, YIKES! All your gains belonging to inflation!!!!!!!!!
I'm still trying to figure out why anyone would ever buy bonds over stocks.
Normally it’s the safer investment.
That's what I was led to believe...
I think I did it wrong. Bought Vanguard Total Bond Index Fund.
Thought it was a safe play to gain a small bit of return in a shaky market. Thought they just paid like a CD.
Turns out I'm losing money. I didn't even think that was a thing with bonds.
Maybe because it's an index fund and not a straight up bond purchase?
 
Bond market, YIKES! All your gains belonging to inflation!!!!!!!!!
I'm still trying to figure out why anyone would ever buy bonds over stocks.
Normally it’s the safer investment.
That's what I was led to believe...
I think I did it wrong. Bought Vanguard Total Bond Index Fund.
Thought it was a safe play to gain a small bit of return in a shaky market. Thought they just paid like a CD.
Turns out I'm losing money. I didn't even think that was a thing with bonds.
Maybe because it's an index fund and not a straight up bond purchase?
Correct. A bond fund continually rolls over bonds so it's interest rate sensitive. How much depends on the length of the bonds. You can buy single bonds, hold until maturity, and not lose money there as you get the interest and then the principal back at the end.

With bond funds if you hold for a while eventually it will right itself as the higher yielding ones are left. That may take a while - the duration for BND is 6 years.
 
I've been occasionally buying T-bills directly from the treasury auctions (particularly last year when the short term rates were around 5%), but it's a bit of a pain because you have to remember to rebuy after they mature, and the auctions are only on particular days.
 
Bond market, YIKES! All your gains belonging to inflation!!!!!!!!!
I'm still trying to figure out why anyone would ever buy bonds over stocks.
Normally it’s the safer investment.
That's what I was led to believe...
I think I did it wrong. Bought Vanguard Total Bond Index Fund.
Thought it was a safe play to gain a small bit of return in a shaky market. Thought they just paid like a CD.
Turns out I'm losing money. I didn't even think that was a thing with bonds.
Maybe because it's an index fund and not a straight up bond purchase?
Correct. A bond fund continually rolls over bonds so it's interest rate sensitive. How much depends on the length of the bonds. You can buy single bonds, hold until maturity, and not lose money there as you get the interest and then the principal back at the end.

With bond funds if you hold for a while eventually it will right itself as the higher yielding ones are left. That may take a while - the duration for BND is 6 years.
Glad I dumped these when things started behaving weird in the UST market.
 
Bond market, YIKES! All your gains belonging to inflation!!!!!!!!!
I'm still trying to figure out why anyone would ever buy bonds over stocks.
Normally it’s the safer investment.
That's what I was led to believe...
I think I did it wrong. Bought Vanguard Total Bond Index Fund.
Thought it was a safe play to gain a small bit of return in a shaky market. Thought they just paid like a CD.
Turns out I'm losing money. I didn't even think that was a thing with bonds.
Maybe because it's an index fund and not a straight up bond purchase?
Correct. A bond fund continually rolls over bonds so it's interest rate sensitive. How much depends on the length of the bonds. You can buy single bonds, hold until maturity, and not lose money there as you get the interest and then the principal back at the end.

With bond funds if you hold for a while eventually it will right itself as the higher yielding ones are left. That may take a while - the duration for BND is 6 years.
Glad I dumped these when things started behaving weird in the UST market.
A LOT of portfolios contain bond funds, both for institutional investors and in retiree IRAs.
 
Unh calls
This seems like an overly risky play unless you're swinging for the fences or buying a very expensive, deep in the money long term call (which not many people do). I know you don't get many shares of stock compared to the leverage afforded by buying calls, but the time horizon on this thing bouncing back could be longer than the duration of your calls.
Not looking to beat you up, but it’s a good learning experience for everyone that these calls (unless you dumped them) are now worthless. I’ve taken a big hit on UNH shares lately so I’m no oracle, but by buying stock rather than options, I can DCA on the way down and also hold indefinitely. That’s the price one pays for the juicy leverage gotten by buying calls.
 
I've been occasionally buying T-bills directly from the treasury auctions (particularly last year when the short term rates were around 5%), but it's a bit of a pain because you have to remember to rebuy after they mature, and the auctions are only on particular days.
I just buy T-Bills in the brokerage. Once you figure out how to navigate it, it's much easier than using TreasuryDirect and more flexible, time-wise.
 
Bond market, YIKES! All your gains belonging to inflation!!!!!!!!!
I'm still trying to figure out why anyone would ever buy bonds over stocks.
Normally it’s the safer investment.
That's what I was led to believe...
I think I did it wrong. Bought Vanguard Total Bond Index Fund.
Thought it was a safe play to gain a small bit of return in a shaky market. Thought they just paid like a CD.
Turns out I'm losing money. I didn't even think that was a thing with bonds.
Maybe because it's an index fund and not a straight up bond purchase?
Correct. A bond fund continually rolls over bonds so it's interest rate sensitive. How much depends on the length of the bonds. You can buy single bonds, hold until maturity, and not lose money there as you get the interest and then the principal back at the end.

With bond funds if you hold for a while eventually it will right itself as the higher yielding ones are left. That may take a while - the duration for BND is 6 years.
Glad I dumped these when things started behaving weird in the UST market.
A LOT of portfolios contain bond funds, both for institutional investors and in retiree IRAs.
Yeah. Including a lot of target date funds that people use.
 
$UNH just got cheaper! Down to ~$290 in after hours. WSJ reporting they're under DOJ investigation for possible Medicare fraud.
Wow…..that is unreal. Either this will kill them or this will be proven false and a huge buying opportunity is in play.

But wow.

There’s a third option, right? Where it’s not “false” but also not really fraud. Maybe something like compliance lapses that made them appear fraud-adjacent and they get fined or something.
Exploiting gray areas is an ethical dilemma. You can go years undetected and make $$$. If you get caught there's the possibility of nothing more punitive than a slap on the wrist. There's the other side where you lose everything including licensing. Exploiting gray areas is what gets laws changed and makes bureaucracies layered.
 
I've been occasionally buying T-bills directly from the treasury auctions (particularly last year when the short term rates were around 5%), but it's a bit of a pain because you have to remember to rebuy after they mature, and the auctions are only on particular days.
I think you can set them up to auto roll.
 
I've been occasionally buying T-bills directly from the treasury auctions (particularly last year when the short term rates were around 5%), but it's a bit of a pain because you have to remember to rebuy after they mature, and the auctions are only on particular days.
I just buy T-Bills in the brokerage. Once you figure out how to navigate it, it's much easier than using TreasuryDirect and more flexible, time-wise.
Better rates then CDs, no state income tax and no fees. Honestly, think everyone should do that for their debt part of their holdings.
 
I've been occasionally buying T-bills directly from the treasury auctions (particularly last year when the short term rates were around 5%), but it's a bit of a pain because you have to remember to rebuy after they mature, and the auctions are only on particular days.
I just buy T-Bills in the brokerage. Once you figure out how to navigate it, it's much easier than using TreasuryDirect and more flexible, time-wise.
Better rates then CDs, no state income tax and no fees. Honestly, think everyone should do that for their debt part of their holdings.
I just mostly use SHV for ease of use.
 
Still invested in the markets even though I pulled out excessive positions before liberation day. Glad things bounced back, but I still don’t regret my decision to reduce exposure and increase my cash positions. I’ve been moving my cash into short term CD’s that pay pretty good rates. I recently did a couple at US Bank that are five month CD’s that pay 4 percent annual interest. I also did a couple of 7 month CD’s at Bank of America that also pay 4% annually. When I was doing these CD’s—I was considering doing US treasuries (shorter term ones)—that pay a similar rate but are exempt from State taxes. This had me thinking—and I was going to post this in the economy thread—but apparently that has been locked—but if anybody would chime in—that would be great.

My thought is that it seems odd that the US government would charge federal tax made on gains on interest that is generated by US citizens that are effectively doing the government a favor and loaning them money (through the purchase of treasuries). One of the biggest issues that our government is facing is the interest due on the debt—and much of this debt is held by foreign entities and governments—so a lot of money is leaving the country. However, if the government made it so that there is a tax benefit for US citizens that purchased treasuries—more of this debt would be held by Americans. This would also make it so that the interest paid on this debt would be paid to American citizens that would/could actually spend this money and keep it in our markets. Wouldn’t it massive beneficial if a large portion of the interest paid by our government on the debt be paid back into our own markets? It just feels like reducing or eliminating the federal tax to US citizens on US treasuries could be a great idea. My thoughts are that the lobbyist that are effectively representatives of big business in this country would discourage that—as they would not want to see money come out of the stock markets? Is there anything else that I’m missing about how a reduction of federal taxes for US citizens on treasuries would be a bad idea?

4%, I think Nadia has double that in the last two days.
Nvidia? I own some. I haven’t divested completely from the market. I trimmed excess equity positions into cash because I wanted to replace some volatility with some stability.
 
Unh calls
This seems like an overly risky play unless you're swinging for the fences or buying a very expensive, deep in the money long term call (which not many people do). I know you don't get many shares of stock compared to the leverage afforded by buying calls, but the time horizon on this thing bouncing back could be longer than the duration of your calls.
Not looking to beat you up, but it’s a good learning experience for everyone that these calls (unless you dumped them) are now worthless. I’ve taken a big hit on UNH shares lately so I’m no oracle, but by buying stock rather than options, I can DCA on the way down and also hold indefinitely. That’s the price one pays for the juicy leverage gotten by buying calls.
It was a gamble, but I definitely got hit hard before I was able to sell. Tough lesson.
 
I've been occasionally buying T-bills directly from the treasury auctions (particularly last year when the short term rates were around 5%), but it's a bit of a pain because you have to remember to rebuy after they mature, and the auctions are only on particular days.
I just buy T-Bills in the brokerage. Once you figure out how to navigate it, it's much easier than using TreasuryDirect and more flexible, time-wise.
Better rates then CDs, no state income tax and no fees. Honestly, think everyone should do that for their debt part of their holdings.
Right, and you get all of these benefits even if you buy them in a brokerage. Just mentioning that because you quoted me; wasn’t sure if you thought I was suggesting to avoid T-bills for some reason.
 
I've been occasionally buying T-bills directly from the treasury auctions (particularly last year when the short term rates were around 5%), but it's a bit of a pain because you have to remember to rebuy after they mature, and the auctions are only on particular days.
I just buy T-Bills in the brokerage. Once you figure out how to navigate it, it's much easier than using TreasuryDirect and more flexible, time-wise.
Better rates then CDs, no state income tax and no fees. Honestly, think everyone should do that for their debt part of their holdings.
Right, and you get all of these benefits even if you buy them in a brokerage. Just mentioning that because you quoted me; wasn’t sure if you thought I was suggesting to avoid T-bills for some reason.
Nope and agree with you - I usually just buy in Fidelity. Takes a bit of work to figure out but once you do it is easy.
 
I did add some more UNH this morning at $256
Love to get Todems perspective on this one since it’s a master list position. I picked up some, just a few grand, at 263 in my trading account for a flip. Has to be one of the most hated companies in the world and many feel deservedly so. With increased scrutiny, I could see their profits and margins dropping. Past claim denials at a much higher rate than other insurers, automatic denials forcing resubmits, denying coverage until it’s too late and then approving it.
 
I did add some more UNH this morning at $256
Love to get Todems perspective on this one since it’s a master list position. I picked up some, just a few grand, at 263 in my trading account for a flip. Has to be one of the most hated companies in the world and many feel deservedly so. With increased scrutiny, I could see their profits and margins dropping. Past claim denials at a much higher rate than other insurers, automatic denials forcing resubmits, denying coverage until it’s too late and then approving it.

He posted about UNH a few times recently - might have some updated thoughts but he had a very pragmatic approach to UNH a page or 2 back.
 
STZ (Constellation Brands) is up around 3.5% premarket on news that Berkshire doubled their stake in them. It's funny, I heard this on CNBC, then when I googled it for more detail, I found the article from 14 hours ago, right next to an article from 17 hours ago titled "Jim Cramer Calls Constellation Brands a Very Big Disappointment"
 
STZ (Constellation Brands) is up around 3.5% premarket on news that Berkshire doubled their stake in them. It's funny, I heard this on CNBC, then when I googled it for more detail, I found the article from 14 hours ago, right next to an article from 17 hours ago titled "Jim Cramer Calls Constellation Brands a Very Big Disappointment"
You know what else is a very big disappointment?
 
Anyone have a recommendation of a free resource to view historic options prices? I can't seem to find this on schwab, and google is only netting me pay services.

I'd like to be able to look at a specific option chain and find out the daily range (or even daily close price) for a range period of say last three months.
 
Anyone have a recommendation of a free resource to view historic options prices? I can't seem to find this on schwab, and google is only netting me pay services.

I'd like to be able to look at a specific option chain and find out the daily range (or even daily close price) for a range period of say last three months.
I have never seen such a thing. It may not exist.
 
All bets are off with UNH after the announced DOJ probe. You're betting that it's a nothing burger - I don't think it is.
Oversold now.

Bought more down here.

Turnaround will take 12-18 months but it will be a pretty damn good trade over that time horizon.

Stock has been repriced, 26BB in free cash flow.

Insiders just bought a lot as well.

You just have to be patient.
 
  • Thanks
Reactions: SHH
Anyone have a recommendation of a free resource to view historic options prices? I can't seem to find this on schwab, and google is only netting me pay services.

I'd like to be able to look at a specific option chain and find out the daily range (or even daily close price) for a range period of say last three months.
I have never seen such a thing. It may not exist.
Now it makes sense why one of my dad's friend manually tracks them on paper, on a 1 page grid he created himself. I thought he was just old school, but maybe it was out of necessity. He has made millions of dollars on options, maybe I should just get to work on what he does.
 
Anyone have a recommendation of a free resource to view historic options prices? I can't seem to find this on schwab, and google is only netting me pay services.

I'd like to be able to look at a specific option chain and find out the daily range (or even daily close price) for a range period of say last three months.
I have never seen such a thing. It may not exist.
Now it makes sense why one of my dad's friend manually tracks them on paper, on a 1 page grid he created himself. I thought he was just old school, but maybe it was out of necessity. He has made millions of dollars on options, maybe I should just get to work on what he does.
Do tell, once you learn his secrets.
 
Anyone have a recommendation of a free resource to view historic options prices? I can't seem to find this on schwab, and google is only netting me pay services.

I'd like to be able to look at a specific option chain and find out the daily range (or even daily close price) for a range period of say last three months.
I have never seen such a thing. It may not exist.

On Robinhood if you own a specific option you can view a chart of it just like you would a stock price. But I don't know if there's a way to do it on options you haven't actually purchased.

ETA: It looks like if you add a particular strike/expiry to your watchlist you then have the option to open it in chart form.

Example
 
Anyone have a recommendation of a free resource to view historic options prices? I can't seem to find this on schwab, and google is only netting me pay services.

I'd like to be able to look at a specific option chain and find out the daily range (or even daily close price) for a range period of say last three months.
I have never seen such a thing. It may not exist.

On Robinhood if you own a specific option you can view a chart of it just like you would a stock price. But I don't know if there's a way to do it on options you haven't actually purchased.

ETA: It looks like if you add a particular strike/expiry to your watchlist you then have the option to open it in chart form.

Example
Wow - that is great - going to open a Robinhood account with a little play money....
 

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