Posts
TDOC looks cheap on a SOTP basis. What am I missing?
I went through TDOC’s SEC filings and something doesn’t quite add up. The company is basically two businesses stapled together: * **Integrated Care (B2B):** roughly **\~$1.5B revenue run-rate**, **\~17% segment EBITDA margin**, **\~102M US members**, low-single-digit growth. * **BetterHelp (DTC):** shrinking high-single digits YoY, thin margins, users down. At **\~$7/share**, …
Deferred comp strategy as a pensioned employee.
I’m a municipal gov. employee with a pension as my primary retirement. Essentially 100% base pay upon retiring. I also have about 40k in a Roth 457 deferred comp account too. I’m trying to nail down a decent strategy for investing my 457. My thought, I can afford to be …
Hierarchy of Risk in Terms of Different Accounts such as Roth, IRA, HSA and Taxable
I have traditional IRAs, Roth IRAs, HSAs and Taxable Brokerage Accounts. I currently have a bunch of cash to allocate as I have moved things around recently. I am over 59 so everything is accessible and I do not plan to retire for at least another 10 years assuming nothing …
Market in red today. Time to not panic.
S&P 500: -1.05% Dow: -1.02% Nasdaq: -1.47% bigger and smaller companies: PROFITABLE: Walmart: +2.80% Alphabet: +1.12% UNPROFITABLE: Apple: -4.41% Tesla: -2.52% Microsoft: -0.31% Microstrategy: -2.84% AMD: -2.32% IREN: -2.34% -Mortgage loans dip back down near 3-year lows. -US stocks turned sharply lower Thursday, as investors revived a rotation out of …
Realtors report a ‘new housing crisis’ as January home sales tank more than 8%
Sales of previously owned homes in January dropped a wider-than-expected 8.4% from December. The median price for a home sold in January was $396,800, up 0.9% year over year and the highest January price on record. Inventory came down from December but was still up 3.4% year over year. https://www.cnbc.com/2026/02/12/january-homes-sales.html?msockid=16669719cd336ae3057e819ccc0a6b99
Brokerage and Roth Setup. Feedback??
Here is where I landed. Figure keep brokerage simple and keep contributing. Tweak the Roth if needed over time since there are no tax implications. Let me know your honest opinions. FYI I am with Schwab. # Brokerage * 70% SCHB (US total market) * 30% SCHF (Developed intl) # …
When will SP500 stop bouncing between 6850 and 6950?
Not looking for an actual answer. More expressing my frustration. I know we think on terms of decades, not months. But I started like 3-4 months ago and people were saying I shouldn't bother with international mutual funds. But what's funny is I have a 3% gain there and SP500 …
Buying and Selling Framework
Hey guys, I was hoping to share my framework and get some advice, particularly around trimming stocks. Selling is something I’ve always struggled with and want to get your advice. My portfolio consists of 10 stocks (50%) and an etf (50%) Against each stock o measure two things: Is thesis …
Bill Ackman's Pershing Square Reveals Massive Stake in Meta, Citing AI Upside and Deeply Discounted Valuation
[https://www.ibtimes.co.uk/bill-ackmans-pershing-square-reveals-massive-stake-meta-citing-ai-upside-deeply-discounted-1778432](https://www.ibtimes.co.uk/bill-ackmans-pershing-square-reveals-massive-stake-meta-citing-ai-upside-deeply-discounted-1778432) Bill Ackman's Pershing Square revealed a massive stake in Meta Platform during the hedge fund's annual investor presentation. The stake in the Meta Stock amounts to 10% of Pershing's capital as of 2025-end. 'We believe Meta's current share price underappreciates the company's long-term upside potential from AI and represents …
The momentum behind Reddit's core 2026 goals-global growth and strategic expansion-has been manifesting rapidly since January
​ Unprecedented Growth Driven by Political Volatility Bolstered by the U.S.-led political issues that gripped the world in January 2026, Reddit's Monthly Active Users (MAU) reportedly surpassed the 1.4 billion milestone. This represents a nearly 29% increase from the 1.1 billion active users recorded in January 2025. While this surge …