AT&T ($T) – Stock Pick for 2/2/16


Since early 2009, AT&T has been a solid performer, gaining 35% in share price during the period. They have a solid dividend, currently paying out $1.92 a share per year which is good for a yield at 5.32%. Looking at the point and figure chart below, you can see the trend.

ATT triple top

Out of the last four quarters they have beaten the Wall Street expectations for earnings in all but the last one. In that one they only met expectations which was a bit of a letdown after the previous three. The Street had expected better numbers because they thought the acquisition of DirecTV would have driven gains. The competition in the wireless subscriber front probably tempered those results.

They are in solid shape financially. Looking at their most recent statements, their revenue is up by over 18% from the prior year. The operating margin is 11%, while operational cash flow is in excess of $32 billion.

The current company debt is a bit higher than you’d like to see, but it is manageable. They just recently sold $6 billion in bonds to restructure their debt. Their current debt-to-equity ratio is 106%. Usually you want to see it below 100% if you invest more conservatively, but it’s not a troublesome amount for a company like AT&T.

In growth opportunities, AT&T looks to expand their GigaPower offerings to compete with the roll out of Google Fiber in cities across the country.

They are now selling DirecTV in their stores and were able to add 214k subscribers in their first full quarter since the acquisition.

They are getting more involved in the Internet of Things space. They reported that they connect 26.2 million devices globally, of which 1.2 million were added in this past quarter. They are pushing relationships with car makers to add 4G LTE in their vehicles. In a recent deal with Ford, they plan on adding it to 10 million of their vehicles over the next 5 years.

With various new revenue streams for them and solid year over year growth, I think you can’t go wrong with purchasing some AT&T for your portfolio. Even if the overall market isn’t the best right now, you have to pick and choose your spots and I think this is one spot you can live with. So this is my stock pick recommendation for today.


Wendy’s ($WEN) – Stock Pick for 6/18/14


Can a Pretzel Bacon Cheeseburger kick-start growth and recovery in a business? For Wendy’s ($WEN) it just may have. Since its debut last summer, it’s been getting great reviews from customers and the restaurant industry. The description certainly sounds tasty: “A delicious twist on our classic hot n juicy cheeseburger with a sweet & smoky honey mustard sauce, melted cheddar cheese and applewood smoked bacon all on a warm, soft pretzel bun.” The response was so positive that it was named “Best Limited-Time Offer” of 2014 by Nation’s Restaurant News’ (NRN) MenuMaster. It was so popular, it helped Wendy’s beat McDonald’s and Burger King in same-store sales growth in the 2nd half of 2013.

Although the sales have slowed down a bit since, the financial results for the 1st quarter still exceeded Wall Street expectations. Wendy’s had sales growth of 1.7%, even with the terrible winter weather most of the country had in that time period. It managed to improve its profitability by lowering costs and improving sales.

The company is taking on various strategic moves to boost its earnings and revenue. Currently, Wendy’s is focusing on the franchise model to improve its profitability. The company has been selling its stores to franchisees so that it can focus more on the menu and customer experience, leaving the operation of the locations to franchisee partners. Under this strategy, Wendy’s has completed the sale of 418 company-owned restaurants to its new and existing franchisees.

Privately held NPC International has made three separate purchases from Wendy’s to get to a total of 146 restaurants from Wendy’s. Clearly they see a lot of potential for all the changes that Wendy’s is undertaking and see it as a great opportunity. This is a positive for Wendy’s as it shows that an outside company believes in what they are doing and is willing to take so many of their restaurants into a franchise agreement.

Wendy’s has improved its restaurant designs and packaging and has trained its employees to be more customer-friendly. In addition, Wendy’s has added innovative limited-time items to its menu such as Tuscan Chicken on Ciabatta, Asian Cashew Chicken Salad, and BBQ Ranch Chicken Salad. These limited time offers are expected to play a prominent role in bringing more traffic to Wendy’s locations which will help grow sales in their permanent menu items.

It wasn’t just the burger that helped grow the business. They are also trying to revamp their image with their “Image Activation” program. Renovations include the installation of multiple flat-screen televisions, WiFi, fireplaces, lounge seating, and digital menus. 200 of its company-owned and franchised locations were remodeled as of the end of 2013. In 2014, the company expects another 200 more restaurants to undergo the remodeling. This will be split evenly between company-owned and franchised stores. By 2017, Wendy’s expects 85% of its company-owned locations to be converted to their new format.

Wendy’s posted adjusted EPS of $0.07 which more than doubled from Q1 2013’s $0.03. Now their consolidated revenues declined from the same period last year due to franchisees taking over 418 of its company-owned locations. However their net income skyrocketed from $2.1 million to more than $46.3 million.

Looking ahead, Wendy’s expects its adjusted earnings to be within $0.34-$0.36 cents per share in 2014 which is higher than levels in 2013. Management believes same-store sales growth will likely be in the range of 2.5% to 3.5% at company-operated restaurants.

If Wendy’s can continue to focus on innovation, improving the customer experience and quality, there is no reason they can’t continue to grow and beat out their rivals. As was stated before, they beat Burger King and McDonald’s in same-store sales growth in the second half of last year.

The current price of the stock is $8.38 and it has a dividend yield of 2.4%. Except for a spike in price in February, the price of the shares has stayed in the $8-$9 range. The highest analyst target price currently listed is $12. From the current price, that would represent a 43% increase. While I don’t see it gaining that much quickly, over the longer term, it should easily head that direction.

Although Wendy’s stock price performance has been weak this year, the company’s business has remained strong. Its strategies look really good and should result in earnings growth going forward. Any pullback in Wendy’s should be seen as a buying opportunity to take advantage of. In time, Wendy’s may finally be able to recover share price from the financial crisis in 2007.

Dean Foods ($DF) – Stock Pick for 6/17/14

dean-foods logo

It’s summer, and when it’s hot you might be thinking about some ice cream to help cool you off. Well look no further than Dean Foods ($DF).

Dean Foods Company, a food and beverage company, processes and distributes milk and other fluid dairy products in the United States. It manufactures, markets, and distributes dairy case products, including fluid milk, ice cream, cultured dairy products, creamers, ice cream mix, and other dairy products; and produces and distributes juices, teas, and bottled water. The company offers its products under approximately 50 local and regional proprietary or licensed brands and private labels, such as the TruMoo, Alta Dena, Berkeley Farms, Country Fresh, Dean’s, Garelick Farms, LAND O LAKES, Lehigh Valley Dairy Farms, Mayfield, McArthur, Meadow Gold, Oak Farms, PET, T.G.Lee, Tuscan, and others.

This stock has showed up on the analyst radar recently. Rating an upgrade in price target from KeyBanc and reiterating their buy rating. Then Trade-Ideas LLC identified Dean Foods as what they call a “storm the castle” stock after it crossed above the 200-day simple moving average on higher than normal relative volume recently.

KeyBanc increased its price target on Dean Foods as the firm, after speaking with a commodities expert, is more confident that the company will benefit from lower raw milk prices. The firm continues to believe that the company is an attractive takeover target with their portfolio of products and discounted share price. They have raised the price target to $22 from their previous $18.

Trade-Ideas LLC, as mentioned before, identified Dean Foods as a “Storm the Castle” (crossing above the 200-day simple moving average on higher than normal relative volume) stock candidate. On top of specific proprietary factors, Trade-Ideas identified Dean Foods as such a stock due to the following factors:

• DF has an average dollar-volume (as measured by average daily share volume multiplied by share price) of $50.1 million.
• DF has traded 1.5 million shares at the time of their analysis.
• DF is trading at 1.86 times the normal volume for the stock at this time of day.
• DF crossed above its 200-day simple moving average.

“Storm the Castle” stocks are worth watching because trading stocks that begin to experience a breakout can lead to potentially massive profits. Once psychological and technical resistance barriers like the 200-day moving average are breached on higher than normal relative volume, the stock is then free to find new buyers and momentum traders who can ultimately push the stock significantly higher. Regardless of the impetus behind the price and volume action, when a stock moves with strength and volume it can indicate the start of a new trend on which early investors can capitalize on. In the event of a well-timed trading opportunity, combining technical indicators with fundamental trends and a disciplined trading methodology should help you take the first steps towards investment success.

Then from the last earnings call, the following was reported:

The company’s current return on equity greatly increased when compared to its ROE (Return on Equity) from the same quarter one year prior. This is a signal of significant strength within the corporation. Compared to other companies in the Food Products industry and the overall market, Dean Foods return on equity significantly exceeds that of both the industry average and the S&P 500.

Dean Foods reported significant earnings per share improvement in the most recent quarter compared to the same quarter a year ago. The company has demonstrated a pattern of positive earnings per share growth over the past year. During the past fiscal year, Dean Foods increased its bottom line by earning $3.39 versus $0.26 in the prior year.

From the look of things, there seems to be a good deal positive. Currently the price is $18.15. If KeyBanc is correct in their target price, that represents a 21% increase from where it is today. Current options trading suggests the market is looking for a price in the next month to rise to around $19.20 which would be an almost 6% gain from the current price. Then you have a dividend that is yielding 1.6% currently which will give you a bit of income in the process.

If Dean Foods can continue to post positive earnings per share growth and raw milk prices continue to improve, then I think they will have the opportunity to meet the analyst price targets. It will make that ice cream taste much sweeter in the hot summer sun.


Update On Previous Picks – Staples, Casey’s and Republic Airways

Looking back on previous picks for this year so far, we have a bit of a mixed bag. These picks were Staples ($SPLS), Casey’s General Stores ($CASY) and Republic Airways Holdings ($RJET).

Lets start off with Staples, which was my pick back in January. This stock has been a disappointment since I made the pick when they were 13.83. I felt that the market was going to buy into the fact they were the 2nd largest e-commerce site in the world behind Amazon now. I thought this would also be reflected in the earnings, but at the time it was not. After Office Depot reported, they dropped down in the $11 range. When time for their own earnings was coming up, the price started to rise up back to $13. Unfortunately when they reported earnings they dropped back in the $11 range again.

I still feel they are a long-term play and will rise again, but you may have to hold on for a while to see it finally come to fruition. Analysts that are covering the stock also believe that it has a good shot at getting really good gains and with the dividend, it makes it attractive as well. So I see this as a buying opportunity to load up on more cheap shares. Several have a price target around $15, so that would be close to a 40% gain from the current price.

Then we have Casey’s General Stores. When I suggested them at 67.13, they stayed in a range right around that price not varying by more than a dollar or two. That was until they released their earnings report on the 9th of June and that’s when they rose to 75.12 on the 10th. That was good enough to get an almost 11% gain from when I suggested it.

They had good sales growth in all sectors of their business that beat their expectations of where they wanted to be. They have strong goals for the next year, and if they can meet it they continue to have quite a bit more upside. Several analysts are looking for a price to eventually be in the $80+ range.

Finally, we have Republic Airways Holdings. They have been on a bit of a roller coaster ride. When I suggested them on February 27th, they were at $9.58. Then after that they eventually dropped down to a low of $7.97 on April 14th. Hopefully you used that as an opportunity to buy some more shares cheap as they eventually went as high as $11.18 on June 9th.

They’ve seen their air traffic increase by 15% in May and recently an analyst raised their price target to $17 from their previous $13 target. So things are looking up if you continue to hold on to the shares.

From the period of my suggestion, to their most recent high on the 9th, they have gained almost 17%. Not too shabby.

I will update soon with some more stocks to take a look at. Happy investing!

Republic Airways Holdings ($RJET) – Stock pick for 2-27-14

rjet logo

Republic Airways Holdings Inc., through its subsidiaries, provides scheduled passenger services. It offers scheduled passenger service on approximately 1,300 flights daily to approximately 110 cities in the U.S., Canada, and the Bahamas through fixed-fee flights operated under airline partner brands, including American Eagle, Delta Connection, United Express, and US Airways Express.

Today they reported fourth quarter 2013 income from continuing operations of $16.5 million, or $0.30 per diluted share, compared to $8.8 million, or $0.17 per diluted share from continuing operations in the prior year. Net income increased 23.8% to $15.6 million for the fourth quarter of 2013, compared to $12.6 million in the same period in the prior year. Operating revenues for the quarter increased 5.8% to $346.5, million compared to $327.4 million for the fourth quarter of 2012.

Full year income from continuing operations increased 54.3% to $48.3 million, or $0.92 per diluted share, compared to $31.3 million, or $0.63 per diluted share for the full year 2012.

They did report, due to weather issues across the country in January and February, they had a dip in revenue for the current quarter. However, that should be just a temporary dip as they have been growing quite well, as the numbers above show.

According to analysts following the stock, they expect the stock to rise to anywhere from $12.50 – $15. Options activity show calls being bought at a 4 to 1 clip over puts which is a bullish sign. Their price to book ratio sits below 1 at .81 which means they are undervalued in share price. Institutional investors also bought up 1.8 million shares in the previous quarter.

Checking with my Prophet tool from TD Ameritrade, a bullish chart pattern is showing and it expects a future price range from $12.65-$14.14 in the near future as seen below.


If the price does meet the targets predicted by the tool, that would be an expected gain of 32% to 47% in that range at a current price of $9.58. Per the analysts range, you would look at a 30% – 57% gain at the same current price.

As long as Republic Airways can continue to build on the business and continue to do a great job like they did last quarter, they should have no problem in growing share price. With that sort of upside, I see them as an excellent pick.

Casey’s General Stores – ($CASY) Stock pick for 2-18-14

Casey’s General Stores ($CASY) has a unique business model that keeps them protected from the price wars of the larger chains. Many of its stores are in regions with a population of 5,000 or less which aren’t profitable for the bigger retailers, so they have a better handle on their market.

According to a survey, the convenience store market size was around $575.6 billion in 2010. It is expected to grow at a compound annual growth rate of 11% during the period 2011-2014 to reach a market size of $856 billion. Total convenience store sales include fuel as well as in-store sales. These stores are very popular with consumers who are pressured for time, as they have to spend less time shopping.

Gas stations are a highly competitive and low-margin business. During the second quarter, Casey’s did very well on its fuel margin environment, resulting in an average margin of $0.167 per gallon compared to $0.149 per gallon in the same period the previous year. For 2014, the fuel margin is ahead of their annual target, at $0.194 per gallon

They partnered with Hy-Vee in a fuel-saver program. Same-store gallons sold in stores that participated in the fuel-saver program increased about 7% in the second quarter, resulting in overall same-store gallons sold in the quarter climbing 4.2% versus the previous year’s quarter.

The grocery and other merchandise sales grew 10.2%, and this was more than what the company had hoped for. The prepared food and drink category continued its strong performance and grew 12.3%.

On the back of strong performance across all segments, and 5.5% revenue growth versus the previous year’s quarter, Casey’s second-quarter earnings per share soared 24% to $1.06 compared to $0.85 a year ago.

Right now they are 12% off their most recent 52- week high back in December (Price as of 3:38pm is $67.13). I expect you will see them making a run back at the high of $77.58 in the next 3 to 6 months. This is supported by options trades in the market that suggests folks are looking for this level. Also, using Thinkorswim’s Prophet tool (as seen below), it sees the chart for Casey’s in a bullish pattern and is looking for a price in the range of just under $73 to almost $79 in the next several months.

casy think
The stock has a P/E ratio of 19 which makes them fairly inexpensive. Plus, it has a dividend yield of 1.10% so it makes it a bit sweeter for you. They have been doing well in the convenience-store space and has outperformed peers. Looking at the company’s expansion moves, it can grow further and bring long-term benefits to your portfolio.

Speculating On Stocks

We all hear of those stocks where folks invested a small amount and came away with massive gains. You always hope to be that person, but you never seem to get lucky. Well chances are, most people never do. Those opportunities are few and far between. Just have to be in the right place at the right time.

Nothing wrong with a little speculation every now and again. If you’re going to do so with highly volatile stocks, you shouldn’t do so with much of your portfolio. I’d say no more than 5%-10% of the portfolio should ever go into something like that. Plus you need to do a good bit of research as well.

A lot of speculation these days tends to be in the biotech market. Lots of companies trying to get a drug on the market in various stages of drug trials, hoping to get the FDA to approve it. If the company is lucky enough to get approval, you could be in for a big payday.

Another method to gains is a small company that has a drug that makes it attractive to a bigger pharmaceutical company. Their drug pipeline is lacking, so they buy up a smaller company to gain access to the particular drug. Sometimes, just on rumors of big suitors, these companies stock can soar.

Take for example, Ariad Pharmaceuticals ($ARIA). Last year they had a drug on the market and they were up to $23. Then the FDA makes them pull it after some adverse reactions till they make some changes. The stock drops all the way down to $6. Then it goes even lower. They eventually make some changes and they are able to market again but to a smaller set of patients to prevent adverse side effects. The stock starts to go up again.

All of a sudden, there are rumors of several pharma companies interested in them for the leukemia drug, including GlaxoSmithKline($GSK) and Eli Lilly($LLY). They went from $6.75 a couple of days ago and are now up to close to $9 as of this morning. Some of the rumors suggest a price offering of $20 may be possible. Needless to say, anyone that bought into it are already happy and could have the potential to be even happier if the rumors turn out to be true. But this is usually the exception to the rule. There are plenty of others that have a quick rise and then a hard fall as their drug fails to get approval, or a buyer never comes.

So you have to be diligent and be prepared to get out quickly. Speculation isn’t for the faint of heart.

#1 – Always do your research on the company and see what they say as well as financial publications thoughts on the company.

#2 – Identify a catalyst for the stock to go up and how likely you think that is.

#3 – Set an entry and exit point for yourself once you find one that looks promising and stick to it.

#4 – If the stock rises, look to skim some of the profits off as these can tend to rise and fall quickly. You can keep your base amount invested, but pocket gains as they come.

#5 – If you hit your target, sell out of your position unless you find another catalyst likely to keep it going. You really need to justify staying in though.

Good hunting and good luck!

Staples ($SPLS) – Stock Pick for 1-23-14

Lately, Staples has gone on a bit of a slide this month. As of yesterday’s close, it was sitting at $13.83. I see this as a great buying opportunity here though.

Recently the company has relaunched their brand and made changes to how they do business online that has made them the #2 online retail spot just behind Amazon. During the past year they have increased their inventory from 75,000 products to over 400,000 products. With a larger range of options, more customers are coming to them to help supply their needs.

Their P/E ratio is much better than the specialty retail industry coming in at 18.80, compared with the industry at 47.98. They have a low P/S ratio as well at .37 compared to the industry at 2.37. That suggests a good bit of value to be had.

In the past year the stock has been as high as $17.30. I think they will start heading back that direction again as they continue to see strength from their online business. They also pay out a dividend that currently yields 3.5% which gives a little extra incentive on top of things here. If they re-test the previous year’s high, I see at least a 20% upside. So that’s why they are my latest stock pick.

*Disclosure: I purchased shares of Staples today in my IRA portfolio.

Update on Stock Picks From 2013

I apologize for not posting for so long. I had every intention of at least posting several times a week, yet life continued to throw curve-balls and kept that from happening. I’m back again though and hope to stay that way for a long time.

I wanted to revisit stock picks that I suggested on this site last year and see how they have been doing since then.

First up was Buckle ($BKE) – On January 22nd, the price was running at $45.26 at the time of my post. During the summer it went as high as $56.32. That would have been good for a 24% gain if sold at the high point. If you continued to hold on all year, you’d be back down to $45.71 currently. You would have earned dividends totaling $2.0059 over that period however. – Grade: A

Next  is VMWare ($VMW) – At the time on January 28th, the price was $98.39. Over the last year it went over a roller-coaster ride. It dropped as low as $64.86 by the time July rolled around. However if you continued to hang on and added to your position, you’d have ridden it back up to a high of $101.52. As of today’s close it was $98.51. So over the span of a year it was break even if you held on. At the high, good for a 3% gain. – Grade: C

Then we have Dollar Tree ($DLTR) – On the 28th of January it was at $41.25 during the time of my writing that day. It dipped a bit down to $38.43 over the next week or so. Then the rest of the year it kept on growing. By the time November rolled around it went as high as $60.19. Since then it’s lost $7. If sold around the high point you’d have looked at a 46% gain. – Grade: A

On February 5th, my pick was Riverbed ($RVBD) – During the time of my post it was $19.76 a share. It quickly went downhill from there and stayed there most of the year. It hit a low of $13.77. So it was down 30% at its worst. In early November it spiked up if you held on getting close to where it was  when i first recommended it. Then it jumped up a bit further and eventually got as high as $21.07 in the past few days. If you held on only you’d have been good for a 6.6% gain at this point. Dollar cost averaging to add to your position, you’d have done a lot better for yourself. – Grade: C

Then February 7th, I recommended Magna International ($MGA) – Their previous close price at that point was $52.96. For a few days it went as low as $50.77. However the rest of the year was phenomenal. It kept heading upward most of the year and went as high as $88.98 as of today. That was good for a 68% gain on the year. Plus you had some dividends along the way as well – Grade: A

February 18th I suggested both Visa ($V) and J.M. Smucker ($SJM) – Visa started off at $157.99. Over the year it grew and then took some breaks along the way. As of the past couple of days, it went as high as $235.50. Plus three sets of dividends payouts as well. If sold at the high, that was good for a 49% gain. – Grade: A

Smucker was at $89.88 at the time of my writing. By mid summer it had grown in price to $114.72 at its high. If you held till now it’s back down to $97.20. There were four dividend payouts during that period. If you sold at the high point, that was good for a 27% gain. Holding on till now would have been only 8%. – Grade: A

The next one was MDC Holdings ($MDC) – On March 1st they were at $38.43. They went as high as $42.41 after a few days. After that, it was nothing but declines, going as low as $27.00 in September. The home-building business just didn’t do very well in that stretch. If you were quick on the trigger, you would have got a 10% gain. However, if you had held on all the way to the bottom, you lost almost 30%. As of today it’s sitting at $31.12. – Grade: F if you held on.

June 12th was my last suggested stock to at least watch, Tesla Motors ($TSLA). On the 12th it was running at $97.73. I said you may want to look for a point on a dip to buy in cause it had a lot of potential. Well after that date, it never got any lower. So, I hope you got in cause it went for quite the ride after that. At the highest point at the end of September, Tesla went all the way to $194.50. You earned yourself a 99% gain if you sold at the high. I personally got out of a large part of my position at that point, but continue to hold the rest for the future growth. As of today it closed at $178.56. Still an 82% gain there. – Grade A

So the final tally was six Grade A large gainers, two at a Grade C that basically broke even and one that fell flat on its face for a Grade F. If you invested a hypothetical $10,000 on each of these stocks and sold at the highs as close as you could, you’d end up with $119,260. On a $90,000 investment total, that’s good for a 32.5% gain. I’d say that was a great year. I hope I can provide a lot more picks for this year and continue to find those Grade A gems.

Stock to watch – TSLA (Tesla Motors)

A stock that I’ve found to be very intriguing is the electric car company Tesla Motors ($TSLA). They have had quite the price run-up in the last couple of months. On April 1st, they were sitting at 43.93 at the close. On May 28th, they closed at their highest closing price of 110.33. That’s a whopping 151% gain! Quite the impressive ride!

The company was founded by Elon Musk, the co-founder of PayPal and founder of SpaceX. Needless to say, here’s someone that has been very successful in previous ventures and not someone you typically want to bet against. His previous success certainly draws you to look much more closely at Tesla.

As a recent article in Forbes suggests in its title, “Tesla Stock Today Looking A Lot Like General Motors In 1915“. In reading what they had to say, I’d have to say I’d agree that there are certainly a lot of similarities to what GM tried and was able to do. Such as being innovative and bringing the V-8 engine to market. How they grew the business and took the auto industry with them. Or how similar the price of the stock has moved in the same sort of time frame for both companies at the start.

Tesla is doing things in total contrast to what the rest of the auto industry is doing when it comes to electric cars. They have found a way to make a flashy sports car with power, but uses no gasoline. They have a network of charging stations going across the country so folks will have a place to plug up and within 20 minutes they can be on their way with a full charge. They are willing to sell a car directly to you without the need of a dealer. They make something that looks sharp and performs at a high level. I’d say that makes it worth a look.

Certainly the auto industry is being a bit taken aback by Tesla and have to go back to the drawing board to try and keep up. Auto dealers don’t like the fact that Tesla is willing to work with you directly instead of having to go to them first. So in some states they are either suing or trying to get legislation in place so that Tesla can’t sell directly to the consumer. I personally think going after them on that is just ridiculous. Why do we need to go through a dealer?

In any event, there are parallels between Tesla and how GM started off and grew by being on the cutting edge and innovative. The guiding hand from Elon Musk is one I think you have to bet on as he has a great track record.

They showed their first profit at their last report and I think it will only grow as time goes on. Especially as they work on bringing a car to production that is meant for the mass consumer at a much lower price point.

So, I suggest that you look for a spot to pick up some shares when it takes a bit of a dip so that you have a good entry point. This is a stock I would suggest holding onto for the long haul. I see this as a stock that has the potential of great long term growth like Google and Apple has showed us. I would say in the next five to ten years, you’ll wish you had bought more shares of this stock when you had the opportunity.


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