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[@_AlbertAlan](/creator/twitter/_AlbertAlan)
"🚨 BLACKROCK JUST SOLD 34946274 SHARES OF OPENDOOR $OPEN STOCK THATS A MASSIVE -XXXXX% REDUCTION IN THEIR HOLDINGS IM DROPPING A VIDEO ON THIS TONIGHT"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946210387436929456) 2025-07-18 14:08:09 UTC 2834 followers, 15.8K engagements


"I agree with @RapallaInvests theres no animosity on my end. Im simply sharing a screenshot of an official SEC document and reporting objectively from a first-principles perspective. Your claim that Ive lost focus on $CLOV doesnt hold up when Ive publicly released over XXX pages of detailed research. Likewise the accusation that Im spreading false information or crying and bashing lacks merit and appears more emotionally charged than evidence-based. If you revisit your own messages I believe youll notice a pattern that suggests more of a reactionary stance than a factual critique. I understand"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946293781189558583) 2025-07-18 19:39:32 UTC 2824 followers, XXX engagements


"Clover Health $CLOV under CEO Andrew Toy is strategically partnering with independent pharmacies through initiatives like the recently launched New Jersey Community Pharmacy Program in collaboration with IPC's iCare+ network. This alliance highlighted at McKesson IdeaShare 2025 leverages Clover's AI-driven Clover Assistant software to empower local pharmacists with real-time tools for monitoring prescription fills identifying adherence gaps and managing chronic conditions via Remote Patient Monitoring (RPM). From a first principles perspective Clover Health operates as a technology-first"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944937512155419107) 2025-07-15 01:50:12 UTC 2844 followers, 1467 engagements


"Just to help you @shey2007shey here is what GPT thinks about our exchange. As what @RapallaInvests stated SEC documents are the truth. I hope you look at the attached imagebecause this is how you are being viewed right now and I don't think you might have the insightto that just trying to help"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946296222274490694) 2025-07-18 19:49:14 UTC 2824 followers, XXX engagements


"@ericjackson Over X billion shares have traded people are treating this like a game of hot potato rather than making real investments. I've been skeptical of this given that the company is both free cash flow negative and net income negative"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947756752835121219) 2025-07-22 20:32:52 UTC 2850 followers, 5054 engagements


"Dear $CLOV Investors Lets take a moment to learn from a textbook example of dumb money thinking not to ridicule but to sharpen our edge and avoid the pitfalls that separate speculators from long-term winners. A recent critic of CLOV claimed the stock has been languishing in the $XX range for what feels like an eternity. That statement alone exposes an emotionally-driven lens rather than one rooted in facts. Lets be clear: from April XX 2024 to July XX 2025 CLOV is up XXXXX% rising from $XXXX to $XXXX. Thats in just XX months. This isn't languishing its a full-scale turnaround story in motion"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947062185877999644) 2025-07-20 22:32:54 UTC 2829 followers, 4446 engagements


"Dear $CLOV $HUM $UNH $OSCR $ALHC $MOH investors Folks are starting to catch on realizing that healthcare is underperforming the market more heavily than it ever has especially with this rally weve been seeing. Out of the sea of red given that medical costs have been rising there exists one company that has proven itself to decrease medical costs by over 1000 basis points. It is creating a new software a new industry for AI AI SaaS (subscription as a service) and potential sub-domain partnerships that have been speculated with $HUM and $MOH. Amazing times are here for the contrarian investor"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947242170634903596) 2025-07-21 10:28:06 UTC 2829 followers, 4408 engagements


"INVESTOR HOLDINGS IN OPENDOOR $OPEN STOCK HAVE BEEN DECLINING SINCE 2022 EVEN BEFORE BLACKROCKS REDUCTION SUGGESTING A BROADER INSTITUTIONAL PULLBACK; THE QUESTION NOW IS WILL THAT TREND REVERSE AFTER THE RECENT RUN-UP OR IS CAUTION STILL DOMINATING SENTIMENT"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946291523420823555) 2025-07-18 19:30:34 UTC 2824 followers, 3479 engagements


"Out of everyone you should know how strong my due diligence is especially considering the seven-figure portfolio. You're right that day traders often ignore fundamentals but many retail investors genuinely believe they're investing for their future. While that might seem nave to some it's still a reality. The goal is to offer them a different perspectiveevery story has two sides"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946742628109955321) 2025-07-20 01:23:05 UTC 2824 followers, XXX engagements


"Dear $CLOV Investors A Learning Moment for All Following My Due Diligence on Clover Health Today Im reposting a skeptical take by someone who claims Clover Health is still free cash flow negative and more notably questions my credibility. I want to use this moment as a learning opportunity for everyone who has followed my research over the past X years. Alongside this post Ive included a screenshot from our proprietary state-of-the-art stock terminal a tool that consolidates high-quality financial data. This is for all those wondering how Wall Street continues to overlook what could be one of"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944959504984248616) 2025-07-15 03:17:36 UTC 2826 followers, 3379 engagements


"Dear $CLOV Investors Clover Health is quietly executing one of the cleanest unit economic turnarounds in healthcare. Year X margins are flat. But by Year X medical cost ratios improve by 1500bpstransforming member LTV from $XXX to $4850. At a CAC of $1050 that's a 4.5x return. Execution hype"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944210916452839854) 2025-07-13 01:42:58 UTC 2829 followers, 1767 engagements


"Dear $OPEN Investors There is growing concern that the current momentum behind OpenDoor may be setting up an unfortunate situation where uninformed retail investors end up holding the bag. While enthusiasm increases a closer examination shows that institutional ownership of the stock has steadily declined which is rarely a positive signal. But the more pressing issue is that the companys fundamentals simply do not support its current valuation. OpenDoor is not profitable and has yet to prove its business model works in a sustainable way. Despite bold predictions of price targets as high as"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946979863262601665) 2025-07-20 17:05:47 UTC 2820 followers, 11.7K engagements


"@Moneycumez What did you take away from the message I just sent you It seems like it went in one ear and out the other. I'll go ahead and attach a screenshot to remind you"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946744209974939744) 2025-07-20 01:29:23 UTC 2822 followers, XXX engagements


"This is definitely going to be a huge market. I'm investing in a company that is currently working on this. You've already seen open evidence with its valuation. First we invested in NVIDIA to set up the GPU infrastructure that will power the next AI developments. Then it was Palantir. The next iteration will involve integrated AI platforms that will boost productivity to the point where the business model becomes so essential that it cannot be removed creating a strong symbiotic relationship. Great job on this endeavor"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947844981668122865) 2025-07-23 02:23:27 UTC 2851 followers, XX engagements


"That's great I'm going to tag a few people here that you should follow. There's a company called Clover Health $CLOV; it's an AI company with one of the best medical cost ratios in the industry. They just became free cash flow positive in 2024 and are doing incredibly well on their path to profitability. You should learn the language of company analysis and follow our due diligence from an educational perspective and I promise you'll be able to escape this matrix. @GunShow_Trader @RapallaInvests @Badie912 Many of us are already millionaires"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946744866752594051) 2025-07-20 01:31:59 UTC 2829 followers, XXX engagements


"Dear $CLOV Investors Vivek Garipallis post presents three tiers of AI business models that while abstract at first glance reveal a fundamental thesis about how transformative platforms are built. At the worst end are companies that charge users to access their AI product. This traditional software-as-a-service model treats the product like a tool one that you rent rather than one that changes the core economics of your business. Over time these tools become commoditized. As competition increases prices fall and customers begin to switch to lower-cost alternatives. The business may still"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946618444981625010) 2025-07-19 17:09:38 UTC 2824 followers, 3271 engagements


"Dear $CLOV Investors Short interest reflects how many shares investors have borrowed and sold betting the stock price will drop. When short interest jumps significantly it typically means investors are strongly bearisheach small price increase attracts additional selling pressure. On the other hand high short interest can also create conditions ripe for a short squeeze where shorts must rapidly buy shares to cover their positions causing a sharp upward spike. For Clover Health recent short interest metrics have surged dramatically clearly showing aggressive bearish bets. In the last three"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1943802975958577355) 2025-07-11 22:41:58 UTC 2829 followers, 2679 engagements


"@GhoutaNews @GunShow_Trader Get ready to change your families life and Always put God first $CLOV"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947424167579816126) 2025-07-21 22:31:17 UTC 2853 followers, 4394 engagements


"SKEPTICAL OF THIS OVERNIGHT SPIKE LOW VOLUME CHAMATH SPAC FRENZY MAY BE ROLLING INTO OTHER STOCKS EARLY. EXPECTED THIS AFTER CLOVER GAAP NET INCOME BUT IT COULD HIT SOONER. $CLOV"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947122668463128830) 2025-07-21 02:33:14 UTC 2821 followers, 3283 engagements


"@pakpakchicken Doesn't Alex Karp CEO and founder of Palantir $PLTR have a PhD"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947197865748787660) 2025-07-21 07:32:03 UTC 2850 followers, 6392 engagements


"I'm happy that you mentioned Carvana CVNA. I'm actually an expert in that area as well. I took a screenshot from our proprietary software; do you notice anything special I know that sometimes seeing a lot numbers can be daunting. If you look at the bottom left you can see the AI summary analysis. What specifically happened in 2023 Well operational cash flow went from negative to positive free cash flow went from negative to positive and net income went from negative to positive. If you apply this to companies like Tesla Palantir AMD etc. you'll find a consistent theme because these are the"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946997016661463546) 2025-07-20 18:13:56 UTC 2850 followers, XXX engagements


"Dear $CLOV $ELV $CNC $ALHC $UNH $MOH and $HUM Investors Everyone knows Tom LeeWall Streets retail investor favorite. Hes backed Tempus AI $TEM a precision medicine juggernaut at the intersection of AI and diagnostics. But heres what he hasnt picked (yet): Clover Health CLOVand its quietly building a game-changing story most are missing. Clover just launched Counterpart Health a SaaS platform spun out of Clover Assistant thats already live with prestigious systems like Duke Connected Care Iowa Clinic and Southern Illinois Healthcare. Its AI platform isnt theoryits real-world proven: ✅ Over"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1941916839682154635) 2025-07-06 17:47:08 UTC 2820 followers, 10.2K engagements


"Everyone's focused on the surface metrics. But look closely new Clover Health $CLOV members have an MCR of 95105%. Returning members 7085%. Thats a 3500 basis point drop. Quietly massive. Theyre not just managing care theyre mastering it. Now layer in Vertex AI NLP Trump-era cost-cutting policy pressures and a forced shift toward value-based care across incumbents. Clover isnt just playing defense theyre laying the tracks for a full-stack disruption. What comes next Generational. Your kids will ask how you saw it coming"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944217397835313163) 2025-07-13 02:08:44 UTC 2826 followers, 1417 engagements


"@GhoutaNews @GunShow_Trader You cut off the response on the bottom. It usually explains it. Do you mind if you show the screenshot for the explanation on the bottom"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1948480580250992842) 2025-07-24 20:29:06 UTC 2854 followers, XXX engagements


"This is exactly what we were talking about in my $CLOV video. The generational wealth divide isnt just unfortunate its structural. Americans born before 1965 still control nearly XX percent of all equities and a large portion of that sits with the XXXX percent. They benefit the most from a system where the bottom XX percent are working harder than ever yet seeing the least return. People are trading their time energy and labor to help generate free cash flow and boost earnings per share. But instead of seeing the value of that work it flows upward into stock buybacks and dividends for those"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944815880086655250) 2025-07-14 17:46:53 UTC 2829 followers, 2017 engagements


"Dear $CLOV Investors After taking a few days to reflect on Clover Healths recent announcement regarding their new Vice President of Finance and Controller I want to draw attention to a strategic signal that may not be immediately obvious. In the press release Clover specifically highlights this executives role in overseeing GAAP compliance which stands for Generally Accepted Accounting Principles. This is not just standard corporate language. For years Clover has relied on Non-GAAP metrics like EBITDA which provide flexibility in reporting by excluding certain costs. The deliberate mention of"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946991217792999696) 2025-07-20 17:50:54 UTC 2851 followers, 5005 engagements


"After XX years in the markets and building software for retail and institutional investors Ive learned this: short-term noise often drowns out long-term opportunity. $CLOV isnt dead its misunderstood. Lets revisit this in X years. $OPEN"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1948029651345191218) 2025-07-23 14:37:16 UTC 2853 followers, 3681 engagements


"I get the concern but comparing todays market to the dot-com era isnt apples to apples. Back then companies like Webvan hit $8.5B on just $400K in revenue. eToys had an $8B valuation with only $30M in revenue. reached $4B with zero revenue. and Similar stories huge valuations no sustainable business models. Todays AI leaders may look expensive on P/E but theyre backed by real revenue global scale and far more disciplined capital allocation. The speculation exists but the fundamentals are vastly different. What do you think Do you agree"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947190371504758807) 2025-07-21 07:02:16 UTC 2850 followers, 2617 engagements


"Dear $CLOV Investors A Must Read: Clover Healths AI Advantage: Disrupting Medicare Advantage While Giants Stumble Clover Health is defying industry gravity. While legacy players like Humana and UnitedHealth struggle with rising costs and declining margins Clovers AI-driven model is delivering resultsand traction. 2024 EBITDA Margins Show Strength Amid Seasonality Q1: XXXX% Q2: XXXXX% Q3: XXXX% Q4: XXXX% 2024 Full-Year Average: XXXX% This performance came as peers like Humana faced volatile membership and a Q1 2025 benefit ratio of XXXX% guiding 90.190.5% for the year. Q1 2025: Explosive"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944224007378940006) 2025-07-13 02:34:59 UTC 2826 followers, 1786 engagements


"Dear $CLOV $ELV $CNC $ALHC $UNH $MOH $CVS $OSCR and $HUM Investors CMS-HCC v28 represents a fundamental shift in how risk is scored and reimbursed: rather than rewarding the volume of coded conditions it now emphasizes clinically significant cost-driving disease clusters and more precise causally linked documentation. The updated model de-emphasizes low-impact codes and stacking of minor comorbidities and instead rewards the accurate capture of high-severity high-cost conditions particularly when they appear in predictive combinations like heart failure chronic kidney disease and diabetes."  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944953764630421992) 2025-07-15 02:54:47 UTC 2829 followers, 4652 engagements


"Dear $CLOV Investors Things just got a lot more interesting for Clover Health. Today it was disclosed that BlackRock has increased its ownership to 29813646 shares. For context back on May X 2025 they reported holdings of 10367674 shares. Thats an increase of 19445972 shares a substantial move that now brings their ownership stake to XXXX% of the company. This is incredibly bullish. What makes this even more compelling is that theres been no new public announcement regarding Clover's subscription-as-a-service model. So the question becomes: what does BlackRock see Well heres what we know"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946033697826001208) 2025-07-18 02:26:03 UTC 2819 followers, 8070 engagements


"Dear $CLOV Investors This slide is from Clover Healths pre-SPAC deck. Back then they projected XX% CAGR in Medicare Advantage revenueand now in 2025 they're guiding for XX% growth again. Full circle. Same playbook. Only now the software is outperforming. They originally expected 1000 bps of improvement from their platform. But Q4 '24 came in at XXXX% MCRwell below the XXXX% shown here. It's doing more than they thought. If that holds the healthcare industry isnt just savingits on the brink of saving billions upon billions. And thats before scaling"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944215245469438197) 2025-07-13 02:00:10 UTC 2826 followers, 1037 engagements


"I respect your perspective brother and I appreciate the dialogue around $CLOV and $OPEN But I want to add one more thing just so you understand where Im coming from: We cant assume everyone is already aware of Opendoors financials or what SEC 13F filings even are. Not everyone has access to that kind of information and many people still believe stock up = good stock down = bad. That mindset is exactly what were trying to change through education. This was a perfect opportunity to help people learn how to read the data behind the price and how institutional behavior can paint a different story"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946421488585945237) 2025-07-19 04:07:00 UTC 2824 followers, 2586 engagements


"Dear $CLOV Investors This Is What Generational Conviction Looks Like Thank yo @RapallaInvests and @Market_Kap for the citations. The data is speaking. And the narrative is beginning to align with the fundamentals. If even a portion of whats currently forming around Clover translates into realized performance on the balance sheet early investors may experience what early Amazon investors felt two decades ago. This isnt hyperbole. Its a grounded assessment rooted in: -Rigorous due diligence -Proprietary analytical tools -Concrete institutional activity -A favorable macro environment shaped by"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947843243695346162) 2025-07-23 02:16:33 UTC 2852 followers, 4940 engagements


"I tend to disagree with this. As Steve Jobs pointed out you can't connect the dots looking forward; you can only connect them looking backward. That's why hedge funds use annual 10-K reports and look back over a decade to analyze management performance and determine if their statements have materialized. To completely dismiss something and say its not worth discussing is like a surgeon talking to a patient about risks and benefits while neglecting to discuss the risks just because there haven't been complications in the last three to four years. It seems a bit unprincipled"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946471286907257089) 2025-07-19 07:24:53 UTC 2820 followers, 1298 engagements


"$CLOV well ladies and gentlemen it seems we have had a very short trip and may have broken out of this descending triangle. Although this breakout was probably the most uneventful and unexciting one we shall see what happens next"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1945553029870358770) 2025-07-16 18:36:03 UTC 2826 followers, 2330 engagements


"Dear $OPEN Investors Watching someone put their ENTIRE net worth into Opendoor stock is painful. Whats worse is knowing you tried to help and still get painted as the bad guy. Thats the reality of giving retail investors honest uncomfortable truths. Some will ignore the advice others will attack your track record no matter how proven or self-made your success may be. But this isnt about ego. Its about a broader problem: most people have never been trained to think critically about markets risk or financial independence. They follow hype not discipline. Emotion not analysis. And until that"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1948027177305555171) 2025-07-23 14:27:26 UTC 2852 followers, 6656 engagements


"Dear $CLOV Investors This is an unfortunate fallacy. Many still dont understand how equity markets truly work. They assume that because $XXX trillion sits in money market funds any shift into stocks is just a 1-to-1 exchange. Thats not reality. Markets are priced at the margin. It can take less than $XXX billion to move the S&P XXX by over $X trillion in valuation. Thats how powerful marginal buying is in an index dominated by passive flows and limited liquidity. When capital rotates into equities it pushes prices highernot because of the raw dollar amount but because each trade sets a new"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1943147030588854709) 2025-07-10 03:15:28 UTC 2826 followers, 3130 engagements


"Dear $CLOV Investors Most People Are Missing This: Clovers Pharmacy Strategy = Ratings + Revenue What many investors and industry observers are missing is how Clover Health has connected federal Star Ratings policy to pharmacy performance and how thats unlocking real gains in quality bonuses revenue and future free cash flow. The companys intelligent use of tech-enabled pharmacy partnerships is already paying off. In fact Clover has regained a 4-star rating for its PPO plan in the 2026 payment year and its new programs suggest theyre targeting even higher for 2027 and beyond. CMS Methodology"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944533171607146951) 2025-07-13 23:03:30 UTC 2821 followers, 1702 engagements


"@kemlizafyu Its just a few investors trading maybe X to XX shares of stock that artificially inflates everyones shares. It means nothing because once the open market starts itll go back to what Mr. market thinks the price is going to be"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947219696253825298) 2025-07-21 08:58:47 UTC 2800 followers, XXX engagements


"@GunShow_Trader @DreifussMD @BarstoolNate @GunShow_Trader @DreifussMD is a kind soul a fighter for the underserved globally He is a very good man"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947524921674109208) 2025-07-22 05:11:39 UTC 2829 followers, XX engagements


"I've been getting a lot of questions about Charles Schwab's downgrade of Clover Health $CLOV to "Underperform" with a sell rating. I've spent 14+ years in the market and after seeing moves like this I built institutionally graded tools to help retail investors get a fair shake on Wall Street. Why Because while they tell YOU to sell theyve quietly been buying the dip. Just X of their portfolios now hold over XXX million shares of CLOVworth over $XX million. Thats not a sell thats accumulation. So ask yourself: Why is a firm telling you to dump a stock while they load up behind the scenes Its"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1943678574164410615) 2025-07-11 14:27:38 UTC 2828 followers, 2712 engagements


"I've been fighting this whole time with my hands tied behind my back. Now I am unleashed. My mind the very thing they mocked just built a public portfolio worth $XXXXX million with my company valued over $XX million. You're not just going to see my brain power. You're going to feel it rumble through the ground beneath your feet. $CLOV $OPEN $SOFI"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947431263151001630) 2025-07-21 22:59:29 UTC 2854 followers, 7459 engagements


"@RapallaInvests @shey2007shey I couldnt agree with you more. @RapallaInvests this is definitely an emotional investor. Prime example of what not to be 😆"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946250192207880532) 2025-07-18 16:46:20 UTC 2824 followers, XXX engagements


"Dear $CLOV Investors First it was $SoFi. Then came the meteoric rise of Opendoor $OPEN. Now investors are front-running Chamath Palihapitiyas SPACs recognizing the pattern. $OSCR is seeing inflows as well. The markets frothy the casinos reopening and its game on"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947321430301098389) 2025-07-21 15:43:03 UTC 2829 followers, 5551 engagements


"Absolutely bullish @BillAckman . With $XXX trillion sitting on the sidelines in money market funds were looking at an enormous amount of dry powder waiting for the signal. Two rate cuts expected this year and possibly several more next year mean capital is poised to flow aggressively back into equities. Meanwhile artificial intelligence is quietly reshaping every corner of the economy. Talk to any top-tier executive across any industrytheyre already leveraging AI to drive efficiencies scale profits and boost GDP. This isnt a speculative bubble like the late 90s; todays market leaders are"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1943143540478849066) 2025-07-10 03:01:36 UTC 2850 followers, 37.5K engagements


"The problem is that when you're buying now you're investing based on the expectation that these companies will be profitable and have positive cash flow in two to three years. This situation can be risky as institutions are likely to be skeptical and may want to sell at those levels. My recommendation is to check out the livestream I did which provides much more detail than this one- or two-sentence post. You can find it here"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947161376738484695) 2025-07-21 05:07:03 UTC 2829 followers, 2793 engagements


"Please don't resort to ad hominem attacks. You mentioned their assets are X billion without actually noting that their liabilities were XXX. I went ahead and included a picture from my stock terminal. We should focus on the argument not attack someone's character. Regarding the XX dollar stock price that's been circulating what's the market cap Does that align with the fundamentals"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947022863296569493) 2025-07-20 19:56:39 UTC 2802 followers, XX engagements


"Dear $OPEN Investors First I want to thank @brandonromanek for bringing this to my attention. Several individuals had tagged Eric Jackson under my recent post likely because of his reputation for being responsive in the investing space. Unfortunately he has not responded. I want to make it clear that I hold no animosity toward anyone. My goal is rooted in respect and genuine care for the investing community. What I bring forward is based on a first-principles approach using data logic and transparent reasoning. A fellow individual from Arizona mentioned that he asked Eric a simple question"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946703948666282162) 2025-07-19 22:49:24 UTC 2800 followers, 3066 engagements


"One hundred percent agree. Poverty is the enemy. But the real question is how do we fight it For me the answer was education. Not the kind you get in school but financial education. Im talking about learning from thinkers like Benjamin Graham Warren Buffett and Charlie Munger. I learned about things like intrinsic value and how a stocks price reflects its future cash flow. I made it my mission to understand how Wall Street works. That knowledge helped me break out of poverty. This is the kind of education we need to talk about. Heres my story"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946751011953295748) 2025-07-20 01:56:24 UTC 2832 followers, XXX engagements


"Dear $CLOV Investors Clover Health's New Jersey pharmacy pilot integrating the Counterpart Assistant AI tool with independent pharmacies via IPC's iCare+ network represents a strategic pivot that could significantly enhance medication adherence among Medicare Advantage members directly influencing CMS star ratings and financial outcomes. Traditionally adherence measures account for about XX% of star rating performance and Clover's recent upgrade to a 4-star rating for its PPO plans in 2025covering XX% of membershas already positioned the company for higher reimbursements in 2026. By embedding"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1943682556626641214) 2025-07-11 14:43:28 UTC 2826 followers, 2068 engagements


"This is exactly what we were talking about in my $CLOV video. The generational wealth divide isnt just unfortunate its structural. Americans born before 1965 still control nearly XX percent of all equities and a large portion of that sits with the XXXX percent. They benefit the most from a system where the bottom XX percent are working harder than ever yet seeing the least return. People are trading their time energy and labor to help generate free cash flow and boost earnings per share. But instead of seeing the value of that work it flows upward into stock buybacks and dividends for those"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944815837472547216) 2025-07-14 17:46:43 UTC 2826 followers, 1816 engagements


"Dear $CLOV $ELV $CNC $ALHC $UNH $MOH and $HUM Investors Clover Health is now the #1 ranked company in Managed Health Care and in the top XX out of XXX in the entire Health Care sector. Weve been watching this play before Wall Street even blinked. This is where opportunity meets execution. Moments like this They dont come often. The last time we saw a setup like this was during the birth of the internet. But this isnt a dot-com bubble its the rise of AIs real-world applications. And Clover is part of that wave. The time is coming"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1941697950067065055) 2025-07-06 03:17:20 UTC 2829 followers, 7635 engagements


"Dear $OPEN Investors Lets break down whats happening with Opendoor especially for those who are newer to the market. Opendoor has approximately XXXXXX million shares outstanding. That means just over XXX million shares actually exist and are held by investors. However in a single recent trading session we saw XXXX billion shares traded. In plain terms the entire share count turned over more than twice in one day. So how is that possible Trading volume counts how many times shares change hands not how many shares actually exist. If a single share is bought and sold multiple times in a day each"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947381649853059439) 2025-07-21 19:42:20 UTC 2854 followers, 114.9K engagements


"@VivekGaripalli Dear @VivekGaripalli YOUR VISION WILL COME TRUE. I AM A BELIEVER AND YOU HAVE MY FINANCIAL BACKING $CLOV $HUM $MOH"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1948077125149544470) 2025-07-23 17:45:54 UTC 2853 followers, 1022 engagements


"$CLOV showing signs of another potential descending triangle forming after the recent rejection near $XXXX. Remember XX more days until earnings"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1945512784676188357) 2025-07-16 15:56:08 UTC 2826 followers, 4896 engagements


"Dear $OPEN Investors and Broader Market Participants I wanted to take a moment to provide an educational perspective on the recent upward movement in Opendoor $OPEN stock. For those wondering whether this rally reflects a change in the companys fundamentalssuch as improved profitability free cash flow growth or enhanced intrinsic value the answer is unfortunately no. Our research continues to show no material improvement in key financial metrics. From a traditional value-investing lens such as that of Benjamin Graham or Warren Buffett there has been no underlying shift in the core business to"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1945676839168692732) 2025-07-17 02:48:02 UTC 2829 followers, 19.9K engagements


"Dear $CLOV Investors Vivek Garipallis post presents three tiers of AI business models that while abstract at first glance reveal a fundamental thesis about how transformative platforms are built. At the worst end are companies that charge users to access their AI product. This traditional software-as-a-service model treats the product like a tool one that you rent rather than one that changes the core economics of your business. Over time these tools become commoditized. As competition increases prices fall and customers begin to switch to lower-cost alternatives. The business may still"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946618475843363103) 2025-07-19 17:09:45 UTC 2851 followers, 1693 engagements


"Dear $OPEN Investors Something Doesnt Add Up You know what I find interesting Theres a gentleman named Eric Jackson founder of EMJ Capital whos been pretty vocal about his belief that OpenDoor could reach $XX per share. But when we look at the data straight from SEC 13F filings and our own proprietary tools his trading history tells a different story. Lets break it down: September XX 2021: -EMJ Capital bought 62000 shares of OpenDoor at an average price of $XXXXX. December XX 2021 (just X months later): -They sold all 62000 shares at around $XXXXX locking in a XXXXX% loss. Then it gets even"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946408948950790194) 2025-07-19 03:17:10 UTC 2854 followers, 36.7K engagements


"Dear $CLOV and $HUM Investors As shown in the chart the last time healthcare stocks experienced outflows at this magnitude was in April 2020 during the peak of the pandemic. Within twelve months most of those stocks had doubled in value. We are now seeing a similar setup. While there is understandable uncertainty in the healthcare sector due to rising medical cost ratios Wall Street is fundamentally forward-looking. Current forecasts and forward guidance from analysts point to a normalization phase beginning around 2027. The market rarely waits for certainty. It begins pricing in future"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947543829353271771) 2025-07-22 06:26:47 UTC 2844 followers, 3836 engagements


"@voatrading I appreciate you brother. I fight hard for you guys because I wish someone had fought for me when I started out with nothing. Wall Street is tough but if we stick together we can find patterns exploit the system and succeed"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1948205773928140899) 2025-07-24 02:17:07 UTC 2850 followers, XX engagements


"Dear $CLOV $MOH and $HUM Investors Big development in healthcare AI. Molina Healthcare now appears under the Counterpart Health subdomain a game-changing subsidiary of Clover Health. What does this mean Counterpart is using AI to slash medical costs by over 1000 basis points reduce hospitalizations and diagnose chronic diseases YEARS earlier. We're talking about earlier detection of type X diabetes stabilizing CKD and improving med adherence at scale. With Humana already allegedly integrated and now Molina ($5.6B in annual MA spend) we're looking at $80.6B in Medicare Advantage revenue"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944518250160886056) 2025-07-13 22:04:12 UTC 2826 followers, 4105 engagements


"I believe this is what a @GunShow_Trader is trying to convey. If you look at $CLOV Q1 2025 they made $XXXXXX million compared to $XXXXXX million in Q1 2024 resulting in a revenue growth rate of more than XX percent. This company is turning a corner; it's a significant turnaround. They are free cash flow positive on a fiscal year basis in 2024 and Q2 2024 was profitable on a GAAP basis for the first time. Ultimately they are heading towards profitability and are expected to generate strong cash flow from operations this year indicating it will likely be their second consecutive year of free"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947017424995500426) 2025-07-20 19:35:02 UTC 2829 followers, XXX engagements


"Dear $CLOV Investors Exciting developments are underway and the broader market sentiment is beginning to shift. Lets break down whats happening and why Clover Health is positioned to benefit significantly from the upcoming wave. X. The All-In Influence and Investor Attention Tom Lee has now joined the All-In AI Summit alongside Cathie Wood. This move is significant. The All-In podcast with its growing political influence especially through its ties with Donald Trump is becoming a magnet for investor attention. Notably Chamath Palihapitiya a central figure in the All-In circle has been"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1948491039725007047) 2025-07-24 21:10:39 UTC 2853 followers, 2742 engagements


"@GunShow_Trader Ive observed increasingly disruptive behavior from @silberschmelzer and @SilbergleitJr. Their conduct has been consistently disrespectful lacking in civility and unproductive to the $CLOV discourse. Rather than engaging in constructive dialogue they resort to personal attacks referring to us as clueless wannabe millionaires despite our efforts to provide informed guidance and help others navigate toward financial independence and long-term value creation. Given this pattern I recommend we take action. @GunShow_Trader and @RapallaInvests I suggest we block both individuals and"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947057668205719645) 2025-07-20 22:14:57 UTC 2824 followers, XXX engagements


"Dear @VivekGaripalli YOUR VISION WILL COME TRUE. I AM A BELIEVER AND YOU HAVE MY FINANCIAL BACKING $CLOV $HUM $MOH"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1948077159198949778) 2025-07-23 17:46:02 UTC 2853 followers, 2134 engagements


"🚨 CONTEXT CAPITAL MANAGEMENT SOLD 44187300 SHARES OF OPENDOOR TECHNOLOGIES $OPEN Stock REDUCING THEIR OWNERSHIP TO ZERO. WHY DO YOU THINK THIS IS HAPPENING WHY ARE INSTITUTIONS SELLING"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1946428456495116361) 2025-07-19 04:34:41 UTC 2814 followers, 6591 engagements


"Appreciate you brother. Ive worked over XX years trying to understand this market and now my mission is to help retail investors not get fleece by Wall Street. The difference is XX years ago versus now we have high-speed Internet. Im able to communicate to you with videos and a bunch of modalities to help teach people. We stick together we rise"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947507389747630274) 2025-07-22 04:01:59 UTC 2828 followers, XX engagements


"Dear $UNH $HUM $CLOV $MOH and $CVS investors Clover Health is playing chess while others play checkers. Last year $CLOV said its AI cut medical costs by 10%. Now Theyre saying 15%. If they werent confident in their platform why raise the number You dont increase savings claims from XX% to XX% unless the data backs it. Heres how it works: Year 1: 700bps (7%) cost reduction Year 2: +800bps (8%) more Total: 1500bps = XX% drop in medical costs Thats from 100K members turned into 100M+ data points. This isnt theory. Its a working AI health stack slashing real costs. Wall Street first funded AI"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1941147698838827478) 2025-07-04 14:50:50 UTC 2851 followers, 5956 engagements


"Dear $CLOV $ELV $CNC $ALHC $UNH $MOH $CVS $OSCR and $HUM Investors Most people don't realize that companies go through the same cycle as people: they're born they grow they matureand eventually many die. The smartest investors They know exactly where a company is in its life cycle. Take a look at the below chart: Tesla Uber Netflixthey all started small. What separates them is how they turned ideas into revenue then into free cash flow. Thats where real value gets priced in. But heres the kicker: Most companies fail when they forget who they are. Startups try to act like giantstaking on too"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1944153572993905026) 2025-07-12 21:55:07 UTC 2854 followers, 6770 engagements


"We're going to see a lot more of this for the future of $CLOV. They have been free cash flow positive on a 2024 fiscal year basis and in Q2 2024 they reported a GAAP profit of $XXXX million. I believe that in the next quarter Q2 2025 they're going to be profitable. The big question is whether they will be profitable this year or if they will push it to 2026. Regardless of what happens we know that we are going to be paid four stars next year in 2026. The future looks very bright; this is not the company it was four years ago; it has completely changed"  
![@_AlbertAlan Avatar](https://lunarcrush.com/gi/w:16/cr:twitter::936831203872718849.png) [@_AlbertAlan](/creator/x/_AlbertAlan) on [X](/post/tweet/1947511721402503346) 2025-07-22 04:19:12 UTC 2844 followers, XXX engagements