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Here's HSAPAY's weekly update for May 15th, 2023 that'll help you and your growing family navigate the complexities of utilizing and investing in your HSA.

Are you ready to take control of your financial future? With free prescription refills and no pressure to retire rich, now is the time to invest in your health savings account (HSA) and start building the life you've always dreamed of. Even amidst concerns about the debt ceiling, optimism is driving stocks higher and creating exciting investment opportunities. Though some markets may be experiencing fluctuations, there are still promising stocks popping up and savvy investors are taking advantage of short income plays. By staying informed and keeping an eye on option volatility and earnings reports, you can make strategic decisions that will pay off in the long run. Don't wait - now is the time to become a confident and successful investor with HSAPAY.

HSA Weekly Roundup

• Free Prescription Refills Anyone?
• Still Want to Retire Rich, No Pressure!!
• Take Control of your HSA Today !!!

Macro Minute & Precious Metals

• Stocks Rise on Optimism About the Debt Ceiling
• Stocks Mixed as Hawkish Fed Comments Push Bond Yields Higher
• Nat-Gas Prices Jump as Active U.S. Nat-Gas Rigs Plunge
• Crude Prices Fall on a Stronger Dollar and Slump in U.S. Consumer Sentiment
• 12th May, 2023: Scrap Gold, Silver and Platinum Prices Dropped on Index

3-6 Month HSA ETF & Stock Watch

• Tesla Stock Has Fallen, But Its Put Premiums Are Still High - Good For Short Income Plays
• 2 Stocks Popping After Analyst Upgrades
• High Valuations a Concern for Tech Stocks
• Option Volatility And Earnings Report For May 15 - 19
• Why Arlo Technologies (ARLO) Could Be a Cynically Compelling Buy

Free Prescription Refills Anyone?

@hsapayapp

As prescription drug prices continue to rise there will hopefully be a day when Free Refills are a part of the price. Until then use your HSA like a boss and let the discounts roll in. #hsapay #healthcare #hsa

1:15 PM · Apr 23, 2023

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Still Want to Retire Rich, No Pressure!!

@hsapayapp

There is no pressure to invest with your HSA, but if you don't have the minimum amount to start investing, well then the pressure is back on.Find out how you can save more to invest with #HSAPAY.

1:15 PM · Apr 23, 2023

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Take control of your HSA today!!!

@hsapayapp

Marty McFly is here and he is telling you from the future that the HSA is the best health account around. Are you going to listen to him or miss out on your best chance to retire healthy? #hsa #hsapay

1:15 PM · Apr 23, 2023

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Stocks Rise on Optimism About the Debt Ceiling

The S&P 500 Index ($SPX) (SPY) is up +0.09%, the Dow Jones Industrials Index ($DOWI) (DIA) is up +0.01%, and the Nasdaq 100 Index ($IUXX) (QQQ) is up +0.35%. 🤑

U.S. stock index futures are feeling hopeful this morning that a deal on the debt ceiling can be reached 🤞.

President Biden and House Speaker McCarthy will reconvene on Tuesday after seriously constructive staff-level talks over the weekend. 😞 Sadly, the May Empire manufacturing index fell to a 4-month low of -31.8, much weaker than expectations 😞.

Stocks Mixed as Hawkish Fed Comments Push Bond Yields Higher

💻 US tech companies have been doing well in their recent quarterly earnings reports, beating expectations. However, this hasn't eased concerns about growth and valuations. The sustainability of the tech stock rally is uncertain. The Nasdaq 100 Stock Index has outperformed the S&P 500 since mid-April, but valuations are high.

GenTrust is cautious about the sector's outlook despite a "great" earnings season. Bank of America predicts a recession could impact credit and tech. 😕...

Nat-Gas Prices Jump as Active U.S. Nat-Gas Rigs Plunge

🔥 June nat-gas prices on Friday skyrocketed to a 1-1/2 week high and closed with a bang! 😱

🌡️ Above-normal U.S. temperatures have caused a surge in demand from electricity providers to power air-conditioning. According to BNEF data, gas demand for power generation is at its highest seasonal levels since at least 2014.

📈 The gains in nat-gas were further fueled Friday afternoon when Baker Hughes reported that the number of active U.S. nat-gas drilling rigs in the week ended May 12 plummeted by -16 to a 13-month low of 141 rigs. ⛏️📉

Crude Prices Fall on a Stronger Dollar and Slump in U.S. Consumer Sentiment

📉 This morning, June WTI crude oil (CLM23) is down -0.58 (-0.82%) and June RBOB gasoline (RBM23) is down -1.22 (-0.50%). However, June Nymex natural gas (NGM23) is up +0.033 (+1.51%). ❌ Crude oil and gasoline prices lost their early gains and are now moderately lower due to the rally in the dollar index to a 1-month high and a decline in U.S. consumer sentiment to a 6-month low. 📈 Initially, crude oil prices increased due to concerns about tight global supplies as Iraqi crude exports of around 500,000

12th May, 2023: Scrap Gold, Silver and Platinum Prices Dropped on Index

💰📉 Bad news for Hallmarked gold today 😔. The 14 carat gold scrap prices fell by $12.03 per Oz, while the 18 carat and 22 carat gold scrap prices inched down by $15.42 and $18.83 per Oz respectively. Even 9 carat gold scrap saw a decrease of $7.71 per Oz 😢. Platinum scrap prices also took a hit, dropping by $2.91 per Oz to reach $815.89 per Oz 😞. And it's not just gold and platinum - silver scrap prices also closed on a low note at $20.48 per Oz, edging down by $0.52 per Oz 😩.

Tesla Stock Has Fallen, But Its Put Premiums Are Still High - Good For Short Income Plays

🚀📈 Tesla Inc (TSLA) stock has taken a dip of around $20 in the last month, which is about a 10.7% decrease, bringing the price down to $167.98 as of Friday, May 12.

Despite this, its put premiums are still high, although not as much as before. This means that investors who short TSLA stock have the opportunity to earn good income through put option premiums (on a cash-secured basis). 💰💸

2 Stocks Popping After Analyst Upgrades

💰 Albemarle Corporation (NYSE:ALB) and DuPont de Nemours Inc (NYSE:DD) are both killing it this morning. Analysts upgraded these two stocks and they're both looking pretty healthy 💪

Baird upgraded ALB to "outperform" from "neutral" and raised its price target to $288 🤑 ALB is up 4.5% to trade at $204.53 and call traders are stoked 📈 Meanwhile, DuPont de Nemours stock is up 2.3% to trade at $65.22, and Deutsche Bank gave it a big thumbs up 👍 by upgrading it to "buy" from "hold." These are definitely two stocks to watch!

Option Volatility And Earnings Report For May 15 - 19

It's time for another round of earnings! 🤑 We're already well into the season, but there are still some major players reporting this week: (HD) Home Depot, (WMT) Walmart, (TGT) Target, (CSCO) Cisco, (DE) Deere & Company, (AMAT)Applied Materials, and (FL) Foot Locker.

Before a company reports, implied volatility is usually high - 😬 the market is unsure how it will turn out. 🤔 But fear not, speculators and hedgers are on the case!

They create a huge demand for options, which drives up implied volatility and option prices. 💸 It's all part of the game! 🎲

Why Arlo Technologies (ARLO) Could Be a Cynically Compelling Buy

💔 Arlo reported a loss of $14.2 million in their first quarter, resulting in a loss of 16 cents per share. But wait, there's good news! After adjusting for stock option expense and non-recurring costs, earnings actually came out to 1 cent per share, beating Wall Street's expected loss of 7 cents. On top of that, Arlo brought in $111 million in revenue, surpassing the expected $94.71 million. 💰 For the upcoming quarter, Arlo is predicting per-share earnings between 1-7 cents, exceeding analysts' expected penny. 🤑 And in even better news, Q2 revenue is projected to hit $105-115 million, much higher than the expected $102.5 million. 🙌

High Valuations a Concern for Tech Stocks

📈 The Nasdaq 100 Stock Index ($IUXX) (QQQ) has been performing exceptionally well, up nearly +2% since mid-April starting with Netflix's earnings season. This index has outpaced the S&P 500 ($SPX) (SPY), which has seen a decline of -0.7% over the same period. 💰

The Nasdaq 100 has seen a remarkable growth of +22% this year, leading to high valuations of most technology stocks. However, GenTrust remains “very cautious” about the future of the technology sector despite a successful earnings season, stating that "additional growth" is necessary to justify gains beyond current levels.

DISCLAIMER: None of this is financial advice. This newsletter is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and do your own research.

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Thank you

Frank