UL

Patrick_Lawson84

contracts with UL and PG are legit, but I still want to see consistent quarterly revenue

Munkeyslovebananas

**Unilever (UL)** - Maker of Lipton Ice Tea. Now infused with AI.

AccidentalVillager

This is good but, it's not a partnership. they had pilot project with UL, UL liked it, and scaled the deal. But the sole fact that UL decided to proceed and not trash the idea is a big tell

Dax_horsemen

Not feeling it. I don’t let my fat pick stocks since the Ben & Jerry’s UL.

HoosierDaddy_427

I'm going with UL, because after watching this sub, I feel like vaseline sales should skyrocket this year.

SambaBachata699

Nokia is just like Ericsson and the MNOs. Regardless what you ask for, the answer will be "more 5G". My thoughts are that AI just as well can remove the need for bandwidth in many cases. Deploy a 5G AI camera from Axis and all processing is done in the camera. No picture has to be sent. You just get metadata. Or you can take Gemini Nano and other trained LLM models that are scaled down to run om devices to speed up user experience. No need for cloud access anymore. The same goes for most use cases in a factory or a mine. Everything is designed to be on premise and autonomous. Have built private 5G networks for self-driving vehicles. True that uplink is an issue, but mainly due to coverage limitations. And that is on 3.5 GHz spectrum. This only holds for cameras though. A self-driving vehicle doesn't generate much data UL. They have some time critical emergency stop algorithms, but slef-driving really means they drive themselves, there is limited assist from the network or the cloud. Nah, do yourself a service and don't swallow the marketing BS these companies deliver. They want to sell radios and licenses.

Ill_Ground_1572

It's not there yet, but in the next 5 years or I believe that solar will get far more attractive. Batteries are by far the weak link. They are very expensive, have some safety concerns, and performance issues (like cold temp performance). However I think new chemistries are going to make a major impact soon. The new sodium batteries made by CATL (assuming they are as good as they claim) can reduce costs 5 fold, perform at -40 and are safer. Solid state lithium could also be game changing (though likely to be fairly expensive but ideal for EVs). Christ I just set up a solar system for my off grid cabin. UL certifed top end system was about $7k CAD (without batteries.....). Unfortunately, batteries will add on $5k to the price. But it's a liberating feeling to be energy independent. Yup I am 100% speculating about major advances in battery chemistry. But am good friends with a researcher in the space. So I am pretty confident that we are not far off. And CATL is now mass producing their sodium batteries so we will see what the costs and performance are very soon. Not going to replace oil or natural gas anytime soon, but definitely a reasonable alternative for some.

Saboteurial

Bringing you back to this since he has an UL of $180K now. If you want to see even more brain dead, look at his post history.

Adventurous-Date9971

The real race isn’t demos or parade formations-it’s hitting safe, boring, 24/7 uptime with unit economics that beat a shift worker. Two-track is real. China will scale logistics and light manufacturing quickly thanks to local subsidies and a higher risk tolerance. The US advantage is chips, simulation, and software (NVIDIA Isaac Sim, AWS, Figure, Amazon Robotics) plus tighter safety and compliance. As an investor, watch: 1) production hours per robot in live sites, not pilots; 2) MTBF and repair time; 3) ISO 10218/UL 4600 or insurance approvals; 4) integration into WMS/MES/ERP; 5) actuator supply (harmonic drives, motors) and margin pressure. We’ve piped factory telemetry into Snowflake and Databricks for labeling; DreamFactory exposes read-only RBAC APIs to WMS apps so ops can use features without opening the warehouse. Marching robots don’t matter; repeatable uptime and clean integration do.

_hiddenscout

$ULS * Strong revenue growth of 7.1% to $783 million, including 6.3% organic growth * Net income of $106 million increased 12.8%, Adjusted Net Income of $119 million increased 14.4%. Net income margin of 13.5% increased 60 basis points * Diluted earnings per share of $0.49 increased 11.4%, Adjusted Diluted Earnings Per Share of $0.56 increased 14.3% * Adjusted EBITDA of $217 million increased 18.6%, Adjusted EBITDA margin of 27.7% expanded 270 basis points * Announcing a restructuring initiative to reduce expenses * Strengthening full-year financial outlook >“Our strong third-quarter results illustrate the continued value, trust and expertise that UL Solutions brings to over 80,000 customers across more than 35 industries, resulting in high-quality earnings and shareholder value creation,” said President and CEO Jennifer Scanlon. “We once again produced superior performance across all key metrics, regions and service offerings, even as our customers navigated a complex business environment. The momentum we have built since becoming a public company continued in the quarter, demonstrating the strength of our business model and the critical nature of the work we perform.”

Bullbythehorns25

No it’s not 

iPigman

No, he meant a condiment pump. [https://m.media-amazon.com/images/I/616aUN2k5UL.\_SL1500\_.jpg](https://m.media-amazon.com/images/I/616aUN2k5UL._SL1500_.jpg)

Substantial-Push9242

UL Solutions also has a software division that will bring more growth.

CoC_Axis_of_Evil

https://youtube.com/shorts/_WK08kLX29g?si=wlZGp7UL8IHFyVn7 Pick up the phone and start dialing 

Mindless-Bug-8397

My 8 year old asked me to buy UL a few weeks ago. She is beating me by 15%

Mindless-Bug-8397

UL to build Pubes AI, calls PT $160

PapaCharlie9

You're halfway to understanding. Let's see if I can fill in the other half. You guessed right that the main reason to buy a call is to save money, which means leverage. If shares cost $100/share but a call only costs $2/share, $200 is 50x leverage over $10,000 (it's not really 50x, because you don't really control 100 full shares of the UL, see below). The next thing to realize is that a call is *only interested in the relative price movement*, not the total value of the shares. You don't spend $10,000 to eventually get $12,000 when you sell to close, as you would with shares. That gain represents a +$2/share price movement and calls give you access only to that +$2 change, without requiring the full cost of the shares. So again, leverage. Just keep in mind that with calls, you don't get the full value of 100 shares. It's always some fraction, like you might only get $.50 on the dollar of share price (50 delta calls). Next, let's completely dispense with the idea of exercise. Assume no call trader ever exercises. That's not far from the actual truth. The entire purpose of the trade is to buy contracts at a low price and sell them back at a high price, exactly like shares. So if you buy calls for $2/share and later sell to close for $3/share long before expiration, you made a 50% gain. **It doesn't matter whether the UL stock went up $2 or not!** All that matters is what the market will pay for the call. For both long term and short term holds, the holder of a long call wants the UL to go up. You pick a far-dated expiration when you want more time for the call contract to appreciate in value, because you have some thesis about the UL increasing in price over that holding time. However, **that far-dated expiration increases the cost of the call.** That's the time vs. cost trade-off. **So you pick a near-dated expiration when you want to reduce the up-front cost of the call.** The thesis is still the same, you want the UL to go up during your holding time, but the near-dated call is a lot cheaper. Finally, the business about the UL not moving as expected. That's just a trade that failed. It happens all the time. Since the capital at risk for a call is lower than for shares, it matters less if a trade goes wrong, even if it is a total loss. If you lose 100% of a call you paid $2 for, you lose $200. If you spent $10,000 on shares only to lose $200, you feel worse, because you put more money at stake only to get the same result. Plus, you have another $9,800 of downside exposure in the shares, whereas with the call, once it's worthless, you can't lose more. **So the low cost of the call is a cap on your downside!** A covered call **does not save you from trading decision failures**. Sure, the premium you collected is nice if it covers any loss in your shares, but what if the shares fall more than your credit? Then you still have a lot of money at risk with no cap on your downside? Even worse, what if the UL goes up instead? After all, you bought shares to benefit from the long-term growth in value of the company/fund. What if the UL goes up a lot more than the premium you collected for the CC? Then you feel like a chump, right? You could have had an $8/share tax-free unrealized gain just by holding shares, but instead you only got the $.69/share credit (just an example) and your shares were sold, creating a taxable event for you, to add insult to injury.

morinthos

I'm trying to understand why ppl buy calls (aside from using them in a bigger strategy). I just couldn't mentally wrap my brain around paying a premium vs doing a covered call or selling a put if you don't mind owning the stock. But, I think that I may understand it better now. Is my understanding correct? **Reasons to buy a call:** * Longer expiration is selected when you expect the UL to go up over a long time, like a few months or even a year. * Shorter expiration selected if you have good reason to believe that there will be a price jump within a very narrow timeframe (earnings, for instance). **Benefits of buying a call:** * Frees up capital? It's the difference between buying a stock now (ties up capital and you may pay margin), then waiting to sell it in 3 months...and just buying a call and exercising it in 3 months and then selling the UL for a profit. But, I think that I'm still lost bc what if the UL doesn't increase after a while? Do you just sell to close to cut some of your losses? In my mind, that's an automatic loss if your "call" was wrong and you're not able to exercise it and make a profit, whereas if you buy the UL and then sell a call, even if the UL drops, you can continue to collect premium as long as you watch your cost basis and exit before you start losing.

morinthos

It depends. I sell weeklies and in the past, I'd always roll out and up whenever the price shot up. But, that was exhausting. Now, I usually let it expire if it's ITM. Gives you a fresh start anyway bc the shares are called away before the weekend and you can buy back in and get a new contract based on those prices. I will only roll out and up if I REALLY think that the UL will be higher in the next few wks. If the UL's been volatile, I'm getting good premiums, and I think the UL may go down a lot, that's another reason that I'd try to lock in good premiums for a few more weeks. I used to not like the idea of buying back in the next wk bc the UL may shoot up and then you're paying more to get the stock back. But, I now realize that it's not too much of a deal (at least to me) when I consider the margin paid for the increased UL price. And, IME, the UL doesn't increase so much that it affects the number of shares that I can buy. So, I can still make the premium that I want.

austinw24

BYD also fails to qualify for basic UL ratings on their forklifts which prevent them getting into most national/global brands. Material Handling is high margin for them but they are failing on the basics right now.

gamers542

There are some individual stocks I invest in like UL and SHEL but for the most part just for simplicity I use an ETF. IXUS and AVDV is what I use.

morinthos

On expiration day, if I BTC a covered call and sell the UL, will my profit always be nearly identical to the profit that I would have gotten if I had let the shares get called away? Does this always happen to me bc I sell the covered call ATM and it's mainly extrinsic value, and at expiration, the extrinsic value's gone? If I sell the call when it has more intrinsic value, is there a chance that I could BTC at expiration when the UL has gone up, and I can actually make more by closing the position?

alice2wonderland

From the article: "Lutnick will now help coordinate the administration's funding decisions, taking the lead from the Pentagon and other agencies, the sources said. Lutnick ran brokerage firm Cantor Fitzgerald (CNTOR.UL) before he joined Trump's cabinet. Cantor is a large shareholder in Critical Metals Corp (CRML.O), opens new tab, which Reuters reported in June is under consideration for a loan from the U.S. Export-Import Bank."

Plus_Seesaw2023

That's incredible! We need more days like this! While tech is being decimated... other sectors are attracting all the money! Berkshire, AZN, MRK, ... TJX, DOW, UL, ABBV, ...

ImCaffeinated_Chris

I purchased 3 stocks during a market down turn during COVID. Known companies that simply had to bounce back. I did this as my first try into picking stocks. DIS, UL, LUV I've lost money on all of them. 🤣 It's the best thing to ever happen to me. Like a person losing at their first visit to a casino. They won't gamble again, and neither will I. It's all index funds now and forever. I refuse to sell these stocks. They are my reminders.

AcademicStandard3701

Why UL censoring everything?

Over_Lawfulness2889

Buy UL that's who owns Dr S

Complete_Policy2114

I think you are not focusing on the cashflow implications of this strategy Let's say that you are long a stock X that starts at 100$ and ends at 100$ at the end of the time period. Let's say that you are doing strategy of selling 20 delta OTM calls and collecting premium of \~200$ let's limit ourselves in this example to outcome of either earning the premium of 200$ or losing exactly 200$ when the market is bullish. Let's say that you made exactly zero on option strategies , thus these outcomes had to happen equal amount of times. Therefore, if the market fluctuated up and down when you were up you had to sell stock X to get the cash to cover loss and if the market went down you collected the cash that you could invest in the now cheaper stock X. In other words because of this cash fluctuation you had to sell high and buy low. Thus the more often it fluctuated up and down the more you are positive on your income while the stock ended flat and option strategy earned nothing. The worst case of going up one half of the time interval and down the other part of the time interval will result in zero. Otherwise you are always positive on your pnl. In the practical example the trade relies on high implied vol on the upside compared to mean reverting reality. Thus you are giving away potential upside on the UL for the lower expected realized vol which I suppose is fair enough. So buying and holding in less bullish, more mean reverting should be inferior and it would be interesting to see what would be the result of Jacob portfolio had he done nothing for comparison.

KralVlk

Whole life = life ins + savings … universal = life ins + investments .. yet, they are not investments … they are life insurance policies. that being said, when ur looking for permanent insurance, whole life over UL… u can do UL with buy term and invest the difference.. par whole life or a renewable and convertible term policy.

NameTheJack

I don't know how inflation resistant AAs business is. While real estate tends to at least keep pace with inflation and telco is such a necessity that price increases ought to be relatively easy to pass on to the consumer (unless one of the big 3 decides to gain market share by starting a price war, which I find unlikely). Another option could be a consumer stable, like UL, lots of debt and relatively easy to pass cost onto consumers.

scotty6chips

Credit spreads are tricky because of the short leg messing up possible credits. Cash secured puts are better for rolling if you wait to time it properly. For instance I opened a 197.5 CSP expiring today this past Tuesday for .75 credit. As of this morning I was hurting, down to 196.00, itm and expiring today. IV was skyrocketing. I saw a roll to June 27 195p for a whopping 3.5 credit. My .75 197.5p was suddenly at 1.41. So I rolled once the UL found support at 196. The cost basis went up to 3.5, but intraday has already decayed to 2.8. So I could close it right now and make .7, and my original put was a .75, so almost max profit. But at this stage wiser to let this IV decay further and get more. But that’s not always how it goes either, and even this could turn on me.

notyourregularninja

The reversal of the excess secondary tariffs that he had on China and Chinas reversal of counter tariffs is also being counted here in addition to the UL deal. China and US still have a base tariff increase problem

Intaglio_puella

Yeah those were my thoughts. I know nothing about semis, let alone GPUs, but it's an asset sweating / utilization business. The things that I couldn't figure out (and tbh don't really care to), on the core business are: * Your point on depreciation- GPUs apparently have \~5 years of useful life? I imagine that if you use them for compute, it's even shorter, but idk how much shorter. So you need to sweat your assets but you're also going to be running down their UL. This is not smth you can throw a tiny bit of maintenance capex at * Chip industry has natural obsolescence. Will this slow down as they approach a limit that both makes smaller nodes much more expensive to build, and approaches physical limits of what's possible (quantum tunnelling?)? Idk, so I'm staying out. * Wrt the above 2 points, it's rare in infra investing to have to replace your largest component of capex at least once every 5 years, but they'll probably have to do it sooner than that. * 1 year contracts are insanely short to do a massive capex build out for anything. Haven't looked at the numbers, but I doubt their payback period is that fast. The large customers need to be locked into multi-year contracts in order to fund the build out w minimal risk to equity. Not happening here. I saw some commentary bitching about them not owning the underlying DCs, and while I haven't taken a look at what's going on, that's actually par for course for the hyperscalers and it's not actually a bad thing. Operationally, they probably needed to do that in order to get off the ground fast to. I'm guessing that the abysmally low free float is a significant factor in the run up in price.

logisticalgummy

Did an insurance agent recently speak with you? There is no reason to get a universal life policy. Or any insurance policy that’s not term life. It’s just not worth it if you do the math. My parents have a variable UL policy and the insurer takes 6% as fees from their premium. You may not realize it but that’s A LOT. The usual assumption for long term market growth is 8% per year. It sounds like you feel like the U.S. market is too volatile and don’t want you money to swing to much with that volatility. I would recommend you making a Roth IRA and just investing all your contributions into VT. This etf encapsulates pretty much all companies on Earth. It’s about 62% U.S and 28% international. The secret to building wealth is to just consistently invest in broad funds like that. It’s very simple, but most people don’t have the discipline to follow it. See r/FIRE and r/bogelheads for more on this. Buy term life if you need the life insurance for your family.

Field_Sweeper

And you know what, just about everything that comes here from China is ignoring laws, dangerous chemicals, Fake UL or CE listing etc. So I honestly don't even care a lick about anything China.

coolhate18

Are you fucking stupid??? Obama clearly didn't want Pakistan to be notified about the whole raid they did or they would help Osama get away. You should lose your American citizenship for being a terrorist supporter. https://www.reuters.com/article/business/bin-laden-would-have-escaped-if-pakistan-permission-sought-obama-idUSL1E8LN0UL/

spikey_wombat

I dumped RITM and mbs heavy EFC when this all started and made some money. They're both down now but not as much as I expect. But I also expect the trump induced recession to scythe a large path of carnage across the residential real estate and mbs market. A recession and high interest rates plus high inflation from tariffs will be brutal on that sector of the economy. Looking for some bargains, but not getting into much. Looking for a good ADM competitor as people will still need to eat but the food processing level is mediocre and I already have UL.

No_Smile821

Turns out he got wrecked. UL OP

ameriCANCERvative

Great indicator here. I wrote this originally about prostitution being down but here are my expert trade analyst suggestions: Puts: 1. ⁠UL (Unilever) – This slowdown hits Vaseline hard. When lube sales dry up, so does the economy. 2. ⁠UBER – Fewer back-alley hookups = fewer sad suburban rides. Demand’s soft and flaccid. 3. ⁠LVS (Las Vegas Sands) – No conventions, no regrets, no revenue. 4. ⁠META – If thirst traps aren’t converting, engagement’s down and so is ad revenue. Calls: 1. ⁠BYND (Beyond Meat) – Celibacy up, weird meat-free microwave dinners up. 2. ⁠NFLX – No chill, just binge-watching in quiet despair. Lonely nights = more hours streamed. 3. ⁠PG (Procter & Gamble) – Tissue and lotion demand spiking.

Worth-Demand-8844

I don’t understand why you guys want to bend over backwards for China and take it in the behind regarding trade. However much you like or dislike Trump his term is over in 4 years while China has a President for life. Things cannot go back to normal. How much more Chinese junk can you fit into your house? Last month my daughter’s car battery died out and there was a Chinese $.99 store by her car. I went in and bought a charging cable For $14.99. With the UL tag. Hooked up the connections and proceeded to jumpstart her car ( I’ve done this many many times). Her engine would barely turn over and I could smell the cable burning. Killed the engine, unhooked the cable and smelled it and confirmed that the burnt smell was coming from the cable. China is not our friend. Remember that!

ameriCANCERvative

Great indicator here. Based on the post, here’s my market interpretation: Puts: 1. UL (Unilever) – This slowdown hits Vaseline hard. When lube sales dry up, so does the economy. 2. UBER – Fewer back-alley hookups = fewer sad suburban rides. Demand’s soft and flaccid. 3. LVS (Las Vegas Sands) – No conventions, no regrets, no revenue. What happens in Vegas just doesn’t happen anymore. 4. META – If thirst traps aren’t converting, engagement’s down. Down bad, and so is ad revenue. Calls: 1. BYND (Beyond Meat) – Celibacy up, weird meat-free microwave dinners up. 2. NFLX – No chill, just binge-watching in quiet despair. Lonely nights = more hours streamed. 3. PG (Procter & Gamble) – Tissue and lotion demand spiking.

mvw2

Yeah, I don't think most people realize how bad it's going to get and how FAST it's going to happen. At work we buy a lot of parts to build machinery. We already have a number of venders straight up halting shipments for an entirely unknown period of time. If our machine was using that part, too bad, we can't get it. If that part was time to Agency and in the UL report to use only that brand and model of switch, well too bad, we can't build the machine to the UL certification. Hope our customers are ok with that, lol. That's assuming we can even get an alternate. I went through Covid too. That was hell. Everyone was out of everything all the time, and we were scrambling for alternates of everything from every random supplier we could find. UL and CSA adherence went to the wind because it was entirely impossible. Our build ability was maybe 1/2 to 1/3 normal just because we couldn't get anything in. Heck, we couldn't get steel, just plain steel in. And what few scraps we could get was 3x to 4x the cost plus massive shipping costs because we were buying 1/20th the normal order size. It was stupid. It doubled the price of our products just not to lose money. This is worse. THIS is going to be MUCH worse. It's not a supply problem this time either. It's effectively sanctions, trade embargo. There's going to be so many things that we just can't get...from anybody, anywhere, and it'll have absolutely nothing to do with supply and demand. The crappy part is we're a US manufacturer, US people, US fab, US assembly, US engineering, US everything, and tariffs and this trade BS will shut our doors. And if they stay shut too long, the business is gone, dead. And we're a brand name and oem for many of the major companies in our market. There are zero other businesses capable of doing what we do. The market space will just...end. Our customer companies will lose their entire business model. Whole swaths of manufacturing and services will just stop existing. But here's the fun part. When this actually rolls through, and the average Joe really feels it, it's going to be when the go to their local Walmart, and the shelves are 90% bare. Stuff just won't exist in this country, period.

perceptive_AI

I'm using a LG 32 inch 32UL500 and it's absolutely dogshit

PM_ME_UR_DRAG_CURVE

I was thinking `electronics with safety certs required to sell in the US` (e.g. FCC or UL certs or other industry specific certs). Would be hella funny if Chinese factories starts scraping those certs off the label for stuff destined to the rest of the world. I know Framework laptop have been having the reverse of that issue with local certifications for their stuff for like _all_ the markets they want to enter.

Same_Performance_595

I'm buying more of Unilever (UL) and British American Tobacco (BTI), the only 2 positions in my portfolio that aren't in the red, and that I believe will remain relatively unscathed by the sell-off.

RadiantJuggernaut907

If you have kids you basically can’t because school on the UL for example is like 15k-25K/year per kid without citizenship. France and most of EU is no different unless we can actively seek asylum.

spikey_wombat

AZO, UL, ORLY for starters

Jokiranta

When i ordered a tool from China I could choose what stamp I needed, CE or UL etc 😀

KralVlk

Sounds like a universal life policy… ask him why wouldn’t it be better to put that same money into an investment account instead of an insurance policy that’s investing on your behalf .. less fees and more going into the investment since your not paying an insurance premium… also ask him what would happen if she needed the money within 1yr/2yr/3yrs? Most UL policies make you pay a surrender charge within the first 8 years if you’re trying to redeem…

ElonsHeirr

1. Kimberly-Clark (KMB) – Maker of toilet paper brands like Cottonelle and Scott. 2. Procter & Gamble (PG) – Owns Charmin toilet paper and other hygiene products. 3. Unilever (UL) – Produces hygiene and cleaning products, including Domestos toilet cleaners. 4. Waste Management (WM) – The largest waste disposal and recycling company in the U.S.

bassman1805

> Most standards are private sector. UL, NEC, NFPA, etc. Fun fact: All of their standards are NIST-traceable.

BlitzNeko

Hey there nay-sayer! All states have a local office of weights and measures they work closely with and take direction from the National office. The "private sector" does the same thing but for a lot of different and specialty reasons. UL is for insurance, NEC & NFPA work in conjunction with the National level to put forth best practices and make sure that things are up to snuff. This is to make sure that there is a minimum standard across the nation.

Eyerate

My state does weights and measures. In fact, what do the federal weights and measures guys even measure? Most standards and private sector. UL, NEC, NFPA, etc.

CaptZee

HOOOOOLY FOOOOKIDDY FOOK - MVIS was one of Palmer's 1st stock purchases years ago baby!!! [https://youtu.be/UL1KoERt0MU?t=1186](https://youtu.be/UL1KoERt0MU?t=1186)

Bat-Sufficient

UL great buying oppurtunity here guys

Bat-Sufficient

UL needs to go to $60 over the weekend

Bat-Sufficient

I’m playing both at the moment actually, SPY puts and UL calls

Bat-Sufficient

UL looking sexy for calls now guys

Bat-Sufficient

Gonna swing some $55 UL calls for $100 each

McKoijion

I'll be sure to pick some up right after your calls expire lol. In all seriousness, I just ordered a new carbon monoxide detector with a UL certification on the box so it's probably not the worst business in the world.

long_short_alpha

Its only for some functions, but deepseek bypassed CUDA a few times: https://www.reddit.com/r/LocalLLaMA/s/Ityvi1UL6m

long_short_alpha

Just want to add something: https://www.reddit.com/r/LocalLLaMA/s/Ityvi1UL6m Deepseek didnt use CUDA on all functions. Thats a very interesting difference of the deepseek code.

sdf_cardinal

https://www.reddit.com/r/wallstreetbets/s/5XSrpBp6UL

morinthos

Buying cc: It could expire worthless, so you wasted your money. Example: You buy a $100 call, but the UL expires at $90. Selling cc: You sell a call and the stock price drops below your cost basis at expiration. Example: Sell a $100 call and your cost basis is $95. UL price at expiration is $90. You could always try to manage the position by setting alerts or stop losses so that you buy back when the UL drops to a certain point. I'm not an expert, so there could be more that I left out. For instance, there's something about possibly being responsible for dividends. Look into that.

OffByAPixel

You should know that the premiums are flexible on UL policies. The "premium" gets contributed to a savings account, and charges are deducted every month. One of those charges is called the cost of insurance charge, and it increases every year as your dad's mortality rate increases. There's a good chance that $700 premium may be based on optimistic assumptions and may not be enough to fully fund the policy. Please read up on this type of policy and make sure you both understand it fully before buying.

SeeRedGinger

Haven't seen any comments on this, but often, the cash value on a life policy is used to buy additional paid-up units of insurance, and the eventually death benefit is increased because of this. Face value of 100k if he passed soon after the policy was issued, but if he did live to 100, it could grow significantly. Ask for an illustration of the projected death benefit. Also, UL has market risk where whole life does not. As otherwise stated here, the eventual death benefit is tax-free, where most investments will be taxable.

TheCoStudent

P&G and UL — Nobody will stop good old consumerism

Selling_real_estate

In the businesses that I have, I have been researching by my own insurance brokerage firm. On the writing done via State farm. I have taken the classes and I have my 440 in the state of Florida. With that said, it seems that the best course of action is to always to have a third party, underwrite your risk, that way it doesn't sit within your portfolio. Insurance companies have such a wide portfolio of knowledge, that they can see risks that you're not aware of. For example, one of the main bases of research that is used by insurance companies is does the product have the UL stamp. Insurance companies and UL have had some sort of symbiotic relationship in the past. So having that stamp, means that the product is a lower risk for the insurance companies and the manufacturer of that product.

FightClipFilms

While that may be true, what exactly was your city doing to encourage adoption? Also, how densely populated is your city?   If you haven't looked at the research, I've posted give it a look. Off the top of my head this is what I know without referring to the research. New York is reducing traffic lanes to make dedicated bus and bike lanes in their place (and have been aggressively doing this), offering tax breaks, incentives, eliminating cheaper competition by removing non-UL compliant ebikes from the streets, implementing a trade-in program that the company is participating in so people can get cheaper access to UL Compliant ebikes, shutting down 1 to 2 blocks of traffic lanes around several schools to implement "green spaces".  They're also doing the microhub thing for Delivery, installing Charging stations in public spaces dedicated specifically for this companies loyal customer base (delivery workers), adding programs designed to specifically remove vehicles from the streets ("ghost cars", and installing surveillance systems on busses and at bus stops that automatically ticket drivers etc.). The city has capped speed limits acrossed the entire city to 25mph, (Outside of highways/interstates) They essentially are using our country's past to gain support from underserved communities with a plan to "Reconnect community's" that were "divided" by the states addition of highways/interstates decades ago. Their "sanctuary city" status that brings in illegal immigrants has directly boosted the sales and services of this companies products and continues to do so. Working on removing free public parking spaces for vehicles and installing bike parking. All of the above and any other information I'm forgetting has heavily increased travel times and congestion for people driving traditional vehicles (traffic was already bad in NY before this but this just made it several times worse), which New York is using to implement "Congestion Pricing" a toll/tax on gas vehicle traffic that ranges from $7 to $15 per use of the roads in the areas covered by the "Congestion Pricing zone" (ebikes and buses are obviously exempt from this and there is a hearing regarding it on the 10/15).  All of that isn't even including the activists (which has been protesting, blocking traffic lanes, publically shaming tradional drivers etc.), support from other companies (for example Con Edison which is offering to install free ebike charging stations in underserved communities) etc.. Then when you look at the company themselves they have since inception (in 2017 I believe) expanded to around 40ish retail stores (mostly in New York, but also acrossed many other densely populated cities with an influx of migrants, most of which of these cities are following New Yorks lead, just at a slower pace, funded by the federal government).  Notably, Philadelphia is expected to have a lot of illegal immigrants and are currently seeing expansion in their delivery services. FLYE is already there and is established in the delivery community, as they took feedback from delivery workers in NY and changed their bikes to meet the delivery workers needs this whole time (another ebike company that has seen growth in NY has seen that Philadelphia is going through the same and just within the last month or so have expanded to take advantage of this as well).  The company is already on the stock exchange ahead of popular brands like Trek and Surron, i have to look a ljttle deeper but pretty sure FLYE as a company is performing better than Harley Davidsons emotorcycle brand (Live Wire), has better earnings, profitability, less debt than other publicly traded ebike companies etc.  They've expanded to include a delivery service of their own, they are completing their apps, and offering a rent-to- own program that will be less expensive ($6.60/day) than paying the "Congestion Toll" that will likely be implemented in NYC and California (which they're also located in) in the very near future.  I could probably go on, but this is already an entire book. 

Plus_Seesaw2023

Check out the PG DUK NEE UL bubbles. Do I have to short this toilet paper? lol Joking aside, I believe there are Brazilian and Chilean companies that produce wood.

Bryaxis_D4

UL looking kinda tippy toppy anyone think that’s a good put candidate?

Asleep_Emphasis69

Unilever (UL) looks like a massive short opportunity

Tough-Ear-3721

|| || |Company|Dividend Yield (TTM)|Price to Earnings (TTM)| |Citigroup Inc (C)|4.478104788|16.72888363| |Toronto-Dominion Bank (TD)|5.087773496|18.47265101| |Unilever PLC (UL)|7.003011075|12.12670356| |Verizon Communications Inc (VZ)|6.37760915|15.51820907| |Anheuser-Busch Inbev SA (BUD)|5.637410624|18.91782456| |Chevron Corp (CVX)|4.48054835|13.88003567| |Sanofi SA (SNY)|6.883473244|16.89653297| |TotalEnergies SE (TTE)|5.406265757|6.692601614| |Mitsubishi UFJ Financial Group Inc (MUFG)|4.692412016|11.7446016| |Shell PLC (SHEL)|5.446630681|8.752210091| |TORONTO-DOMINION BANK (TD.TO)|5.892864171|13.15653345| These are the companies that I'm looking at -- good yield and valuation. Meshes well with my tech growth investments.

Tough-Ear-3721

|| || |Company|Dividend Yield (TTM)|Price to Earnings (TTM)| |Citigroup Inc (C)|4.478104788|16.72888363| |Toronto-Dominion Bank (TD)|5.087773496|18.47265101| |Unilever PLC (UL)|7.003011075|12.12670356| |Verizon Communications Inc (VZ)|6.37760915|15.51820907| |Anheuser-Busch Inbev SA (BUD)|5.637410624|18.91782456| |Chevron Corp (CVX)|4.48054835|13.88003567| |Sanofi SA (SNY)|6.883473244|16.89653297| |TotalEnergies SE (TTE)|5.406265757|6.692601614| |Mitsubishi UFJ Financial Group Inc (MUFG)|4.692412016|11.7446016| |Shell PLC (SHEL)|5.446630681|8.752210091| |TORONTO-DOMINION BANK (TD.TO)|5.892864171|13.15653345| These are the companies that I'm looking at -- good yield and valuation. Meshes well with my tech growth investments.

Tough-Ear-3721

|| || |Company|Dividend Yield (TTM)|Price to Earnings (TTM)| |Citigroup Inc (C)|4.478104788|16.72888363| |Toronto-Dominion Bank (TD)|5.087773496|18.47265101| |Unilever PLC (UL)|7.003011075|12.12670356| |Verizon Communications Inc (VZ)|6.37760915|15.51820907| |Anheuser-Busch Inbev SA (BUD)|5.637410624|18.91782456| |Chevron Corp (CVX)|4.48054835|13.88003567| |Sanofi SA (SNY)|6.883473244|16.89653297| |TotalEnergies SE (TTE)|5.406265757|6.692601614| |Mitsubishi UFJ Financial Group Inc (MUFG)|4.692412016|11.7446016| |Shell PLC (SHEL)|5.446630681|8.752210091| |TORONTO-DOMINION BANK (TD.TO)|5.892864171|13.15653345| These are the companies that I'm looking at -- good yield and valuation. Meshes well with my tech growth investments.

housemouse431

its time to move on from the mag7 tbh.... go check out (for example): colgate (yeah toothpaste) 3M target BTI UL PGR I think we should play calls in outside of tech instead of the rigged mag7 that keeps anal fucking us all

Electrical_Judge4794

What about for individual stocks? Staple stocks like $UL or $KO I could see this is appropriate for, but would it be effective for say tech stocks?

No_Carpenter4087

I've been saying that the EU and the US government needs to get together by pushing the UL organization, and those who do the ISO and NATO military standards to create a standardized battery specifications like how USB printers can swap between any computer. I would have 12v, 18v, 40v, and 80v . If they had got their act together 30 years ago we could have pulled out the old Black and Decker drills we bought for our fathers, throw out the old nicad batteries and swap on a new lithium battery.

TireFryer426

My favorite one is Exro. I personally think its been beaten down to the bottom. My take is that either its going back up, or the company is evaporating. Medium Risk, high reward. They have a really cool coil driver technology for EV's that is battery chemistry agnostic. Shows the most benefit in heavy lift applications but useful in light duty as well. They own all the patents, not licensing anything from anyone else. They also have a battery management system that just passed UL certification. Its not a seriously diluted stock. CEO is former GE. They were really close to getting on Nasdaq, but tech speculatives have been driven down hard, so they don't currently meet requirements. Currently trading between $.33 and $.40 USD. ATH was over $6. I also watch Nano One Materials, and a would be competitor to Exro called Hillcrest Technologies.

Repulsive-Shallot-79

Anybody watched the newest Task and Purpose drop? NATO or not, i cant imagine wanting to be a tanker these day, Im sure American jamming capabilities might surpass Russias because of GWOT... but still... wish we could get rid of nuclear weapons.... so gay. [https://youtu.be/Z5whM6NQIPs?si=OVdXzkSrbF5oR3UL](https://youtu.be/Z5whM6NQIPs?si=OVdXzkSrbF5oR3UL)

LieutenantStar2

Safety isn’t metals. People will move to safe stocks - PG, UL, WHL

Itsmeyourdad

Opening calls on UL solely because they make Vaseline and one side is going to need it.

TommyT8187

You should check out this trade alert group. It's easy money. Hey there, your friend Tom Thornton is inviting you to Join Stocks.News since enjoying it so much! Signup here Now! Enter my referral code UL386K https://stocksnews.page.link/MAQC

spacecadet501st

Join me brothers, the UL. 6/21 57.5c are .05 each

Interesting-Fuel238

I know this will get downvoted, but you should at least consider cash value life insurance. If you like equities, go with a VUL and you can invest in an S&P 500 index fund. Otherwise a whole life or UL if you want something with consistent, stable growth. It's not tax deductible just like a 529, but you can own the policy forever and the policy owner controls the cash value. You can even put it in a trust if you so choose. As far as accessing the funds you can use built in policy loans to take cash out and never pay a dime of taxes if structured properly. And of course if they never need the funds you create a massive tax free windfall to your grand childrens generation (and again, can be controlled with a trust if you so choose). Anyway, this is a popular strategy for high income earners, take it for what it's worth.

JeffB1517

Nationwide is not just a non scam. Their VUL is my favorite or 2nd place. Their IUL would be in my top 10. > “getting enough cash for it to cover itself”? I don’t really understand the purpose of them at all and how they work as an investment strategy. One year term gets about 7.5% more expensive each year you live on average (the specifics are more bumpy a 0 year old is way more expensive to insure than a 2 year old, a 15 year old more expensive than a 20 year old). The idea of any permanent life insurance policy is to grow the cash value so that the investment return covers the death benefit. Here is a post where I break out the difference between what's happening inside a term policy vs. whole life https://www.reddit.com/r/IncomeInvesting/comments/14rsuzm/buying_a_20_year_term_life_insurance_policy_for_a/ . UL is similar to whole life (WL) in respect this structure. The big difference between UL and WL is that WL is funded to a level that guarantees the policy will eventually be able to cover the high term cost and thus always ends up with increasing death benefit while UL allows you to decide on how to fund. IUL is just UL with more very safe investment options. > I don’t really understand the purpose of them at all and how they work as an investment strategy. I did a series on this: https://www.reddit.com/r/IncomeInvesting/comments/14j82hw/preliminaries_on_taxable_fixed_income_taxable/ Though it is aimed for people wealthier than your girlfriend.

holololololden

https://www.reddit.com/r/bestof/s/2DxRL2k7UL

saudichickenprince

Go read UL4600 if you want to learn about safety case framework in AV

Master_Awareness5821

SPX/SPY can also screw you. Please be careful and know what youre doing. It’s easy as hell to get wiped out trading leveraged derivatives, especially when you’re buying far OTM and with little to no time. Had to learn that the hard way. OTM’s are cheaper but they are cheaper for a multitude of reasons. They don’t have any intrinsic value since they are past the current UL value so no one will exercise them and I can give you more reasons. But my point is. Do your research on all of this before you lose your shirt.

Master_Awareness5821

yes ans no. you can buy a 5-8 point spread OTM a few weeks out and still make a decent profit if the UL makes a big move in the right direction. but honestly the money and consistency is in writing contracts not buying them. I’m not experienced enough to do it but for a fact it’s a lot more profitable collected the premium right away and paying the difference once you close.

Master_Awareness5821

I feel you OP I fucjed up big time in the past few months. If I buy puts everything is on a tear when I buy calls we have the worst red week of the year cause of a war, run a straddle? the UL runs flat. I started just buying leaps and not obsessing over 3000% gains on TSLA and the rest of the mag 7. I too have been kicking myself for not just throwing all my lost cash into VOO and DGRO. we live and we learn. just don’t keep doing crazy shit. it’s the same thing with me. I have an astronomical amount of bad luck. it’s mind blowing. Almost takes more luck to be this unlucky. I wouldn’t touch TSLA with a pole btw. thankfully I sold off my puts before earnings cause I knew it would pop off. learn about commodities and trade ETFs that track them.

Sharaku_US

UL is the global gold standard. ETL has been trying for decades and they're still not as prestigious. This reminds me that I should pickup some shares. Thanks.

dudehonestlyfuck

100% for example, go to a target or wherever you go to buy miscellaneous household needs. Anything that is battery powered or requires the use of electricity HAS to be UL listed. I’m bullish on this as well. The whole point of UL is to ensure the safety of the product when used by the customer so they don’t electrocute themselves or it randomly catches on fire.

DeuceGnarly

What is their path to growth? Is it becoming \*more\* necessary? Are they certifying significantly more items? Are they providing additional certifications? I get that they're necessary, but I don't know how they're going to grow in value... I suppose if we predict many, many more products being made, therefore assume the proportion requiring UL certs will grow, therefore providing a pathway for ULS to grow, then maybe it's there. But how does investing in ULS make more money than investing in the companies that are making the products that require certification?

dudehonestlyfuck

I do a lot of work with UL. A lot of companies are required to have UL certification on their products or in my case our panels that we build. You can’t go wrong with it.

AP9384629344432

Okay fine: ## More about the UK Discount Now, you thought the FT (and by extension, I) was done on the UK discount? No, [Unhedged has a part 3](https://www.ft.com/content/b13b1f4f-12fd-4292-b541-1eadf289dc78). A manager from Fidelity International’s UK Fund sent in a [set of apple-to-apple examples of cheap UK stocks](https://i.imgur.com/UL4HEB3.png) relative to the US equivalent. (The screenshot is unfortunately very low quality). The examples are : "Banking, Standard Chartered and Citi; in Homebuilding, Cairn Homes and Lennar; in Tobacco, Imperial Brands and Altria; in defence contracting, Babcock International and Lockheed Martin." For each of them, the valuation is much more attractive for the UK domiciled company, despite often having superior fundamental metrics such as better revenue/EPS growth or similar debt / ROEs. Another reader made the case for Barclays, which "is trading at a 50 per cent discount to book value, whereas JPMorgan Chase, for example, trades at an 80 per cent premium to book." His case is conditional on a successful turnaround driven by a 3 year plan featuring bigger shareholder returns, cost cutting and divestments, and a business reorganization into 5 parts. The FT article links to 3 more articles on the Barclays play if you are interested. [Link 1](https://www.ft.com/content/6e126a5c-a2e9-4e54-8f94-d40f6b5ec3d5). [Link 2](https://www.ft.com/content/a72e6801-77d6-4e2d-a62b-101d1bfbd651). [Link 3](https://www.ft.com/content/7d2e3c82-282b-4c08-938d-03a7378efea8). ## .... Greece? Alternatively, you could just not buy banks... Or you could go even more degen and invest in [Greek banks](https://www.ft.com/content/52b79051-63f0-4568-b7a9-6de759a0483) which are apparently staging a comeback. In fact, its [whole market is](https://i.imgur.com/sbLFBur.png), beating the S&P 500 in recent years (up 40% last year). The author points out > This recovery has benefited its banks, in particular. The sector has cut its cost base to well below the European average. Non-performing loans have fallen to 5 per cent, down from a peak of perhaps 40 per cent. Returns on equity are in the double digits, trending towards the European average. This, coupled with valuations at about 6 times forward consensus earnings, and a 15 per cent discount to the European average, explains why investors have been so keen on recent stake sales. The Greek economy is dependent on tourism to sustain its recent comeback. But it will also benefit from "EU funds worth 17 per cent of GDP earmarked for its reconstruction and recovery, and a highly regarded government in place, the country may well produce sunny newsflow in the coming year, too." Maybe I'm too online, but I'm not sure why the FT chose to insult the Greek government in an otherwise glowing article. I've written about the Greek turnaround a long time back but can't find my comment. [But here's a May 2023 editorial pointing out how much has changed](https://www.ft.com/content/5a2c265f-58f2-424d-a16e-3f89d9fd18e6). Including a recent budget surplus, a 20% reduction in the debt/GDP ratio, and an economy 6.4% above pre-pandemic level. The deleveraging has been so successful that it was [raised to investment grade](https://www.bloomberg.com/news/articles/2023-12-18/greece-plans-bond-sale-of-up-to-10-billion-after-return-to-investment-grade) and is now weighing issuing $10B in bonds to finance 2024 needs, reduce "reliance on treasury bills", and pay back bailout loans. [You can see its debt repayment schedule](https://i.imgur.com/BeIq8F7.png) and [credit rating comeback here](https://i.imgur.com/yLSFInD.png). It even gets lower credit premiums than Italy since May 2023 (through December 2023, not sure about most recent quarter)! What great headlines! Unfortunately it came at the cost of a horrid decade of austerity and deleveraging, causing [GDP per capita to stagnate](https://i.imgur.com/mg9ZHHz.png) relative to Europe. But that's what happens after a debt crisis.

Master_Awareness5821

I’m late to this party but 20 190- 185 TSLA puts while the UL was at 200. Panicked and sold for a 20% gain the following day and week it proceeds to drop down to 160. Also paper handed NVDA puts this past week one hour before it tanked I sold my 900 puts and 885 puts and bought 1000 strike calls and took a fat loss instead of a fat gain.

Billysibley

What is your UL and what time frame are you trading?

StuffedInABoxx

If you are not maxing out all other tax advantaged accounts, a UL policy is probably not a great fit. Even then, (and we’re talking about income to the point you need some tax shelters) an IUL would be a poor choice for someone your age. The PRIMARY selling point for any life insurance should be for the death benefit. Since you seem to not have a need for that, it automatically doesn’t seem like a suitable recommendation to me. IUL is categorized as a fixed insurance price as you are not technically invested in securities. Sounds like your friend has insurance licenses, no securities licenses, and might even be with an insurance company that allows them to use the title “financial advisor” Max your IRA, and if you still have more to save, look into the options you have for opening a retirement plan for your business

Master_Awareness5821

Try losing 1000’s in these past months. word to the wise OP on ER’s run straddles and whichever direction you believe it’s going to go buy more contracts on that side. Only way you get really screwed is if ER has the UL consolidate and not move by a cunt hair