HSAs’ Triple Tax Benefit Can Be Outweighed by HDHP Costs
Why Health Savings Accounts (HSAs) Aren’t Always Worth The ‘Triple Tax Savings’ Advantage: https://t.co/6zrY3GAuEd HSAs require individuals to be covered by a High Deductible Health Plan (HDHP), which has tradeoffs compared to traditional health insurance plans. While HDHPs are often expected to come with higher deductibles than traditional plans, these deductibles may be higher than they appear. #advicers
European Gas Futures Jump 11% Despite Lower Overall Prices
European natural gas futures rise 11% after Iran closed Hormuz (again) 📈📈 No LNG shipment has been exported from the region since the war in Iran began in late-Feb Still, prices are down from the highs last month. This is partly due...
ServiceNow Overvalued: Near‑Perfect Growth Required to Sustain Price
ServiceNow's a top company, but this analysis says its stock price is too high. It needs near-perfect growth to justify current levels. A stumble could hurt. investing
Oil Spikes 6.5% Amid Iran‑U.S. Ship Attacks
Oil prices jump 6.5% after Iran and U.S. attack ships as tensions escalate over Strait of Hormuz: https://t.co/aZcReIm6Eb
Iran's Hormuz Takeover Spikes Oil Risk, Boosts Gold Demand
🇮🇷 Iran Intel Brief | Pre-Asia ─────── Iran seizes control of the Strait of Hormuz, disrupting global oil shipments and elevating energy market risks. US Navy intercepts and disables Iranian cargo ship Touska, prompting Tehran to vow retaliation that could spike oil prices. Iran...
Borrowing Against Assets Is Not Income, It's Debt
Borrowing against your own assets isn’t income. It’s the opposite of income since you have to pay it back with interest. Don’t believe me? Quit your job and live off a home equity loan. See how long that works for...
UAE Threatens Oil Trade Shift to Yuan over USD Shortage
UAE to Trump Administration: "You started this war; if we run short of USDs as a result of it, either you will give us USD swap lines, or we will be forced to start transacting oil and gas in CNY...
UAE Holds Strong Reserves Amid Unreported Figures, Seeks Swap Line
Interesting WSJ story about the Emirates request for a swap line -- the UAE hasn't reported its end March reserves but it went into the conflict with tons of reserves and no shortage of liquid bills in US custodians 1/ https://t.co/5Q61nzi68P
China's 11 M Bpd Crude Imports Dominated by Gulf
11 million barrels a day and most of it from the Gulf… Source: Visual Capitalist http://visualcapitalist.com/chinas-crude-oil-imports-by-country/
SPX Surges 12% as VIX Plunges 40%
SPX is up 12% in under 3 weeks, and VIX is down 40% since March. What actually drove this rally? Read the full breakdown, and discover how to position for the week ahead: https://t.co/pjlGkluggt
Skip Firms Needing a Banker’s Handshake to Survive
Graham's most overlooked filter wasn't P/E ratios or book value. It was this: does this business need a banker's handshake to survive the next downturn? If yes, pass. Refinancing risk is where defensive portfolios quietly go to die.
Insider Purchases $11M MESO Shares, Signals Strong Confidence
Insider buy I keep watching - $MESO A director just bought 7.9M shares between April 4 and 10. Open market. Across multiple related accounts Average price - around $1.45 a share Total clip somewhere near $11M for that one filing alone This isn't a...
Historic S&P Rally Unlinked to Bear Market Cycle
The 11.9% gain in the S&P 500 over the last 3 weeks was the 13th biggest 3-week gain for the index since 1950. What's unique about this rally? It's the only example in the top 20 that did not occur either during...
WULF Shifts Focus: AI/HPC Now Main Revenue Driver
$WULF up 6.89% Friday to $20.64 Thesis was simple - it's not a bitcoin miner anymore, it's an AI/HPC hosting business with a bitcoin miner attached That pivot just hit a milestone... HPC hosting is now over 50% of revenue Bitcoin is the side...
Markets Surge, Volatility Crush, Record Low Put‑call Ratio
SPX +12% in 2 weeks NDX +13 days in a row of pos returns - longest since '13 Vol crush: VIX,VVIX,SDEX, post Iran lows at OPEX Record PC ratio lows driven by big mecacap call volume while no one wanted puts... https://t.co/4BRBOUbPjR
Google's SpaceX, Anthropic Stakes Fuel 126% Stock Surge
Fact: Google owns 7% of SpaceX and 14% of Anthropic — In last one year, Google stock has been up 126.48% up and in last 5 days Google stock has been up 7.5%. https://t.co/AwFexWK4co
SPY IV Rank Still Elevated, More Compression Expected
IV Rank has compressed on $SPY, but still sits above pre-war levels. Into this week, there’s still room for further compression. We’ll see how futures digest the weekend developments and reassess tomorrow morning.
FTSE100 Holds Near 10,500, Eyes
#FTSE100 small Up Candle and Sideways, arguably a doji. Resistance ATH 10935. Support 10500, 10287, 10000. RSI 61 not high. 13/21 day EMAs Bullish. Doji on Weekly. Top Bollinger Band 10740. Midpoint Line 10561. Bottom Band 10380.
Even the Clueless Can Thrive with Low‑fee Index ETFs
Someone dumber than you is getting rich by just investing in a low fee index etf
Tech Cuts Tiger-Cub Teams From 100 to 15
In the 1995-2010 era, it took a lot of bodies to run a scaled Tiger-Cub strategy. 100+ headcount was common across research, back office & trading (starting in '08, I was one of a large research team) Largely due to technology,...
Iran War Fuels Persistent US Inflation Ahead of Midterms
A warning from the Financial Time (which has economic, political and social implications): "war in Iran has unleashed a torrent of inflation in the US that economists warn will linger long after the conflict ends, squeezing Americans ahead of November’s midterm...
Industrial Deals: Buy Low, Wait, Re‑lease, Then Profit.
Industrial real estate in a good area: 1. Figure out roughly what tenants are willing to pay 2. Buy a building for a price where that rent will generate a reasonable return 3. Once the existing tenant(s)' lease ends, re-lease at market rent 4....
Adaptive Bond Fund Rotates for Market Edge
Your clients don't need another bond fund that does the same thing in every market. They need one that adapts. $JOJO rotates between high yield and Treasuries. That's the edge. https://t.co/h5qCdtoVFq
Financial Checklist for 35: Essential Steps
By age 35 you should have: - A maxed Roth IRA - 1-5 low cost ETFs - A zero based budget - $0 non mortgage debt - Auto investments on payday - 4-6 months expense in a HYSA - Term life insurance for dependents What am I...
Define Risk Levels and Swing With Market Rally
$SPY - Many people freeze when the market rallies. You don't have to be that smart - define some risk levels and swing the bat. Former ATH AVWAP Gap AVWAP Horizontal Breakout Level The markets on offense...why aren't you? https://t.co/hdZ2k8jD8d
Black Families Lose $2.1T Due to Trust Fund Ignorance
Sometimes I care enough to make yall real cntent but who has time to curate this every day when you are actually actively sustaining wealth for over 60 black families. I had been called to personally set up 1,000...
Travel Like a Pro: SOPs, Budget Buffers, Themed Adventures
Some unconventional ways I travel: DO: - I use an SOP (standard operating procedure) document, which includes my airline/seat preferences, what time I prefer to fly/land, when to economize and when to splurge, and more - I add 50% to any hotel sticker...
Dragonfly Capital's Top 5 Monday Stock Picks
Dragonfly Capital - 5 Trade Ideas for Monday: Agilent, CIENA, Dollar General, Fedex and Champion Homes $A $CIEN $DG $FDX $SKY https://t.co/tu22GQjZXZ https://t.co/R6tWDfK6xM
Master Apple Card: Move Money & Maximize Rewards
Just joining the complex Apple Card ecosystem? It's smart to learn how to move your money around, including funding your Apple Cash. Here's a primer that explains how everything interrelates and how to maximize your rewards: https://t.co/ZPP9OBmIZw #applecard #applecash #banking...
China Vows to Weaponize Oil Embargo Against US
American strategists: “We are going to cut off China’s oil, thereby wrecking China.” China’s response? Geopolitical/oil politics version of Good Will Hunting: “Give us the wrench…because f*ck them. That’s why.”
Big Gains Often Follow Market Crashes Within Weeks
7/10 BEST days in the stock market happened within 2 weeks of 10 WORST days. For example, worst day in 2020 (March 12) was immediately followed by best day of the year. This is also what we just saw in the current...
Get My Tax Savings Toolkit for 2026 Wealth
Comment “toolkit” and I will send you my full Tax Savings Toolkit to show you how to use this and other strategies to save on taxes and build wealth in 2026
Most SPY Stocks Near New Highs, Expect Surge
$SPY - Messing with some data this morning. Fun Breadth Facts.... 124 Stocks within 5% of New Highs 10 Stocks Within 5% of New Lows We could see an explosion in new highs very soon...
Commodity Forecasts Falter: Dated Brent Predictions Missed
Would love to hear from all the folks who just days ago told us that Dated Brent can only go up and the gap to futures will inexorably widen. But of course today all you hear is crickets. We all...
Median Price Ignores Bedroom Count, Misleads Families
Another example ⬇️⬇️ why price $$ per unit is an incomplete metric Median “home” price does not account for the number of bedrooms … which REALLY matters for families.
S&P
From its inception in 1957 through today, the S&P 500 has hit 1,313 all-time highs, hitting a new high once every 19 days on average. https://t.co/jjlXwK9mzq
CVD Equipment Nears Liquidation, Cash Hits 80% Market Cap
Not officially a liquidation, but getting close (I think). CVD Equipment $CVV agreed to sell its Stainless Design Concepts division for $16.9m, o/w $15m after taxes and fees. This will bring total net cash on the b/s at ~80% of...
Hormuz Disruption Could Push Oil Above $130, Trigger Demand Collapse
MS: Tail Risks Would Drive Oil Into Demand Destruction Territory A prolonged disruption of shipping through the Strait of Hormuz would require oil prices to rise into demand destruction territory, historically above of $130 Distribution of Inflation-Adjusted Oil Prices https://t.co/Hw1dB85crz
Saudi Deficit Swells, Turning Kingdom Into Eurodollar Drain
Saudi Arabia's deficit widened to $25.28 billion in Q4 2025. Instead of being a source of the petrodollars, the kingdom has become a drain on the eurodollar system. https://t.co/JkziRznkyx
New Stock Highs Explained: Optimism for Better Times
Stocks are back to new highs and many wonder how that is possible. In our latest Glass Half Full, Sonu and I discussed why this is happening and why better times could be likely. https://t.co/ZF7kxjqVAL
Risk $3,750 for $15,000: Is It Worth It?
This is a Factor Flying Fortress Pattern Over the next year or so the risk is $3,750 to make $15,000 Is this an acceptable R:r for you https://t.co/k0A11YhD7l
Industrial Valuations Lag Record Behind S&P 500
S&P 500 sector valuations.. record gap between Industrials and the SPX Index, I hear https://t.co/k2tLMv610Z
Breadth Signals Bull Market: AD Line Hits New Highs
Breadth leads price, same as it always has. S&P 500 advance/decline line didn't make new lows in late March, another clue the end wasn't near like so many were telling us. The A/D line moved to new highs last week, yet another...
80% of S&P 500 Above 20‑
S&P 500 stocks above their 20-day MA is over 80% currently. One of the big clues a major low as brewing back then was price broke to new lows in late March, while the number of stocks above their 20-day didn't....
Burger Prices Surge, Imports Rise, Exports Fall.
"Burgers approach luxury territory as beef prices remain high" https://t.co/kxMtibg3NB "Imports are rising to fill the gap, while exports are falling as domestic supply tightens." https://t.co/U23joP278Z
Bulls Take Lead as Strait Reopens, Markets Rally
S&P 500, Nasdaq, Dow Forecast for the Week Ahead- Bulls in Charge as Strait Reopens https://t.co/6xWJdHAsUG #SPX500, $NDX & $DJI Weekly charts https://t.co/8FDRdtqzMG
Energy Prices Set to Floor as Cheap Oil Ends
An important reminder for the weekend: The oil-to-gold ratio remains near historically low levels, and the era of cheap energy is likely coming to an end. It’s hard to imagine countries not becoming far more aggressive in building strategic reserves after the...
SPX Targets 7473 at Next 3.0 Fibonacci Extension
$SPX - Pay attention to the intermediate term tops it has made at extensions of the 2022 bear market. The July 2024 top at the 1.618 extension. The February 2025 top at the 2.0 extension. The January 2026 top at...
Next Week’s Top Breakout Candidates Unveiled
𝗧𝗼𝗽 𝗕𝗿𝗲𝗮𝗸𝗼𝘂𝘁 / 𝗕𝗢 𝗦𝗼𝗼𝗻 𝗦𝘁𝗼𝗰𝗸𝘀 (𝗡𝗲𝘅𝘁 𝗪𝗲𝗲𝗸) ⬇️ 𝗦𝗔𝗜𝗟 – 16Y Cup & Handle (BO Soon) 𝗖𝗨𝗠𝗠𝗜𝗡𝗦𝗜𝗡𝗗 – Tight Range BO 𝗦𝗖𝗜 – 3T VCP BO 𝗖𝗨𝗣𝗜𝗗 – Range + Pivot BO 𝗕𝗛𝗔𝗥𝗔𝗧𝗪𝗜𝗥𝗘 – Support Bounce 𝗔𝗡𝗚𝗘𝗟𝗢𝗡𝗘 – Trendline BO + Volume 𝗦𝗜𝗘𝗠𝗘𝗡𝗦 – Darvas Box 𝗖𝗛𝗘𝗡𝗡𝗣𝗘𝗧𝗥𝗢...
Bull Markets Surviving Three Years Usually Persist for Years
The current bull market is 3.5 years old and up 99.2%. As we've noted many times, once bull markets get past their third birthday they rarely end anytime soon. Over the past past 50 years, 5 made it past their 3rd birthday...