AndyM.MarinInvestments

@NickelDimerBets Lol...now you are creating new stock-math...😂

@AndyM50808155 Yeah? Please post an update after the stock drops another $2 from here.

$CLOV Focus on how businesses are built ground up. If you have been an investor for 2-3 decades you know the lifecycle of companies, and the indicators. Look at their hiring spree they are on for engineers. Beating yourself about $2 drop in stock price?😂😂😂

$CLOV voting is open x.com/CloverHealth/s…

@jason_koj @AlbertAlan True, and the reason why big fish don't like small fish. x.com/AndyM50808155/…

@AlbertAlan That was the last requirement for compliance in 2027 and they are live with it in April. UNH/Optum employs over 20,000 coders, engineers and they arent even close to compliance.

$CLOV I need to talk about what Clover Health just did because it hit me somewhere I was not expecting. When I was a third year medical student, we admitted an elderly patient through the emergency department. Advanced dementia. Nonverbal. No family at bedside. No identification beyond what the ambulance crew could provide. And no medical records. We had a human being in front of us and almost nothing to work with. We could do a physical exam. We could draw labs. But a physical exam does not tell you which of the four blood pressure medications someone was started on six months ago at a clinic across town. It does not tell you that a cardiologist already ruled out the arrhythmia you are about to spend twelve hours working up. It does not tell you that this patient had a severe allergic reaction to a contrast dye last year, and you are about to order a CT with contrast because no one documented it anywhere you can access. It does not tell you that the reason this patient is altered is because someone recently changed their seizure medication and nobody in this emergency room has any way of knowing that. We treated that patient the best we could. But I remember standing there thinking we are not practicing medicine right now. We are guessing. Educated guessing, yes. But guessing. For a patient who could not fill in a single gap for us. Who depended entirely on a system that had failed to keep their story in one place. I have carried that feeling with me into my career. Because that patient was not an outlier. That patient is someone’s mother or father in a memory care facility right now. That patient is the reason a family member calls every new doctor’s office and repeats the same history over and over, terrified that something critical will slip through the cracks. That is why what Vivek Garipalli and the Clover Health team just accomplished means so much to me. Clover became the first payer to go live on a CMS Aligned Network, delivering real time interoperability through their Counterpart Health platform. A patient’s clinical history and claims data can now follow them. Structured. Standardized. Accessible in the moments that matter most, not buried in a fax queue or locked inside a system that does not connect to anything. Picture what this means. Your parent with dementia is transported to an unfamiliar emergency room. And instead of starting from zero, the treating physician can pull up their medication list, their problem list, their recent encounters. They can see that the lisinopril was just increased. They can see the contrast allergy. They can make decisions rooted in knowledge instead of uncertainty. For a patient who cannot advocate for themselves, this technology becomes their voice. Vivek, thank you. You built CarePoint Health to serve communities that the system overlooked. You built Clover to change how Medicare works for seniors. And now you have moved the entire industry forward by proving that interoperability is not a regulatory box to check. It is how we protect the people who are least able to protect themselves. Everyone knows there is a way to invest and build wealth. That path is well worn. But what is rare, what is truly rare, is choosing to build something that makes a doctor more capable at a bedside. Something that wraps itself around the most vulnerable people in our society and says we see you, even when you cannot speak for yourself. That is not just a business. That is a contribution to humanity. I will be a better doctor because of what Clover Health is building. And I think about that patient from my third year often. I think about how different that night could have been. How many nights like that are happening right now in hospitals all over this country. And how what Clover just made real has the power to change every single one of them. Vivek, you and your team got this one right. And I am grateful.

@ericjackson Can you go beyond carvana?

Full piece on Substack. Link below. open.substack.com/pub/eventhoriz…

I called Carvana at $15. It went to $487. The same pattern that preceded that 32x run exists in exactly 10 stocks right now. I'm putting my money in two of them. Announcing soon. Here's how the scanner works: 🧵

@GunShow_Trader *afloat

@GunShow_Trader I think it's a choice between keeping company float (and keeping employees) vs burning through cash via bonuses. We need one more year of profitability. Right now there is AI scare, inflation scare and recession - that make capital risk averse. And govt is not making it easy

$CLOV - So as I read through the form 4s again just now, that may be the total amount of shares being issued per person. I thought that “Acquired” number was 25% of the total shares. I’m still not a fan of it, but it looks like it’s only 1.7 million shares as opposed to 6.8 million shares. The point still stands that we are CONSTANTLY leaking shares and that shit needs to stop. This 1.7 million shares is for exec compensation alone. Give us some kind of share price increase over $10 and I have no problem with that. At $1.73/share, I have a huge problem with that. Especially when they won’t use their own money to buy shares.

@chamath @J_Pugh_13 @dougboneparth I think what was not common knowledge in space days was the risk involved, and how promoters get their shares cheap (with risk of course). Risk reward was always in favor of promoters.

@J_Pugh_13 @dougboneparth As I have stated many times now, retail investors should stay far away from every investment I make from now on. Forever. You do you. I only want to work with institutions and other family offices and SWFs.

Why is everyone so mad at Chamath? All he did was lose billions in retail investors’ money by promoting one-pager SPACs. It’s not like he then told them to enjoy their capital losses or anything. Give the man a break.

@commonsenseplay @dc10023 It's the regulators who keep grifters in check. Grifters will grift.

@dc10023 I do blame him.

This level of gloating irks me considering the amount of money he fleeced from Retail investors. Chamath became the face of the SPAC boom through his Social Capital Hedosophia deals. Their performance since? • $SPCE: −95% • $OPEN: −98% • $CLOV: −90% • $SOFI: −45% • $AKLI: −95% • $PROK: −95% He aggressively promoted SPACs as democratizing access to growth, but many retail investors were left holding large losses after the 2021 bubble burst.

@ericjackson @matt_teeixeira Yeah. But we build agents for regulated industries and not perfect can screw you both ways. I would recommend not to suddenly paint with same brush.

@matt_teeixeira Don’t let perfect be the enemy of good enough

I built 53 AI agents in 20 hours. The bottleneck isnt compute, code, or cost. Its my brain. The deeper you go with AI agents, the more you realize the biggest limitation isnt artificial intelligence -- its biological bandwidth. Neuralink makes a lot more sense now.

@ericjackson Even open was pumped last year, when the fundamentals were still not very strong. Most retail learns the hard way. It's takes time

I deserved this one. Pushed NXDR too early. It ran… then faded. So I read every transcript. Now I know exactly what matters next.

@ericjackson This is why everyone needs to do due diligence that just chase an influencer. Nextdoor is a classic case.

@JohnInMSP @balajis Lol. You probably didn't go beyond your backyard😂

@balajis Yeah! I’m betting you’re a moron. Your drivel sounds like somebody playing checkers while the Trump administration is playing a game beyond chess that you don’t understand.

I'm going to make some obvious points. (1) Blowing up all the oil infrastructure in the Middle East is an insane idea, and may well result in a global economic crash and humanitarian crisis unrivaled in the lives of those now living. We're talking about the price of everything everywhere rising, from food to gas, at a moment when inflation was already high. All of that will be laid at the feet of the authors of this war. (2) The antebellum status quo of Feb 27, 2026 was just not that bad, but we're unlikely to return to it. Expect indefinite, long-term, ongoing disruptions to everything out of the Middle East. (3) Also assume tech financing crashes for the indefinite future. The genius plan to get the Gulf states caught in the crossfire has incinerated much of the funding for LPs, for datacenters, and for IPOs. Anyone in tech who supported this war may soon learn the meaning of "force majeure" as funding gets yanked. (4) Many capital allocators will instead be allocating much further down Maslow's hierarchy of needs, towards useful basic things like food and energy. (5) It's fortunate that all those progressives yelled about the "climate crisis." Yes, their reasoning about timelines was wrong, and much of the money was wasted in graft, but the result was right: we all need energy independence from the Middle East, pronto. It's also fortunate that Elon and China autistically took climate seriously. Now they're going to need to ship a billion solar panels, electric vehicles, batteries, nuclear power plants, and the like to get everyone off oil, immediately. (6) It's not just an oil and gas problem, of course. It's also a fertilizer problem, and a chemical precursor problem. Maybe some new sources will come online at the new prices, but it takes time to dial stuff up, particularly at this scale, so shortages are almost a certainty. That said, China has actually scaled up coal-to-chemicals[a,c] (C2C), and there's also something more sci-fi called Power-to-X[b] which turns arbitrary power + water + air into hydrocarbons. But all of that will need to get accelerated. I have a background in chemical engineering so may start funding things in this area. (7) Ultimately, this war is going to result in tremendous blame for anyone associated with it. It's a no-win scenario to blow up this much infrastructure for so many people. Simply not worth it for whatever objective they thought they were going to attain. But unless you're actually in a position to stop the madness, the pragmatic thing to do is: scramble to mitigate the fallout to yourself, your business, and your people. [a]: reuters.com/business/energ… [b]: alfalaval.com/industries/ene… [c]: reuters.com/sustainability…

$clov possibly bad financial decisions over last couple of years. And slow pace of software releases. They have a moat but that will not remain for too long. They need to innovate and deliver fast.

@Gubloinvestor Dude should have taken a class in international finance before getting into gambling

Indians living overseas should not think about investing in indian stock market. I sent $1M CAD to india 2 years ago. Dollar was trading at $1 to 60 Indian rupees. We did well in first year, paid short term capital gain of 20% Indian market faced significant downturn in past 1 years. India rupee is heavily depreciating Now if i want to bring back that money to canada, its $1 is 68 rupees so i lost roughly near 14% value in depreciation in Indian rupees. 14% Depreciation in rupees Indian market is down 15% to 20% I paid 20% tax in 2024 earnings n now i have to book losses if i move my money to Canada and cant use that carry forward losses. My $1M is stuck now. Basically my $1M CAD is worth less than $800K meanwhile US/Canada market gave us Bullrun of lifetime in 2024&2025.

@Gubloinvestor @Dutta_Souravd Lol...you probably are not an international investor. Currency risk comes along with that. And you need strategies for it.

@Dutta_Souravd I bought Force motors at $12500 and still holds it. Not novice by any means but just shared what happens very often and goes unnoticed. My 2 cent

@elonmusk @mattsilx @xai @barisakis Most companies hiring processes are messed up.HR is best suited for organizing pizza parties. Even inside companies the managers suppress engineers

@mattsilx @xai @barisakis Sorry, candidates should always be treated with great respect

Many talented people over the past few years were declined an offer or even an interview @xAI. My apologies. @BarisAkis and I are going through the company interview history and reaching back out to promising candidates.

@LauraLoomer @sardesairajdeep Aren't you a jew? India was the only country that sheltered Jews in ancient times while the world was hating on them...

There is no such thing as Islamophobia @sardesairajdeep. A phobia is an irrational fear. It is NOT irrational to fear Islam, an ideology that explicitly calls for the killing of all non-Muslims. How can you sit back and watch the Islamic massacre and raping of Hindus and defend the Pakistani invaders in your country who wish to make India a Muslim country? Don’t you have any sense of national pride and a desire to preserve your country as majority Hindu? You do not have a strong survival instinct.

@VivekGaripalli Someone literally took your word and now keeping it a secret 😂😭😂 no more news???

Amazing accomplishment. Congratulations to the most important AI company in healthcare (please keep that part a secret for now :-)

@thecyrusjanssen @APompliano Mr Pomp is a nut job gaining more clueless nut jobs as followers on X.

@APompliano Finally ready to admit your boy Trump has made a collosal mistake?

Oil is surging. Stocks are cratering. Inflation ready to move higher. Welcome to the Volatility Generation.