[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @tj_terwilliger TJ Terwilliger TJ Terwilliger posts on X about stocks, dow, doj, investment the most. They currently have XXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours. ### Engagements: XXXXX [#](/creator/twitter::1624139566864076804/interactions)  - X Week XXXXX +80% - X Month XXXXXX +351% - X Months XXXXXX -XX% - X Year XXXXXXX +1,284% ### Mentions: XX [#](/creator/twitter::1624139566864076804/posts_active)  ### Followers: XXX [#](/creator/twitter::1624139566864076804/followers)  - X Week XXX +2.90% - X Month XXX +6.30% - X Months XXX +47% - X Year XXX +148% ### CreatorRank: XXXXXXXXX [#](/creator/twitter::1624139566864076804/influencer_rank)  ### Social Influence [#](/creator/twitter::1624139566864076804/influence) --- **Social category influence** [finance](/list/finance) XXXXX% [stocks](/list/stocks) XXXXX% [technology brands](/list/technology-brands) XXXXX% [cryptocurrencies](/list/cryptocurrencies) XXXX% [social networks](/list/social-networks) XXXX% [celebrities](/list/celebrities) XXXX% **Social topic influence** [stocks](/topic/stocks) 9.52%, [dow](/topic/dow) 4.76%, [doj](/topic/doj) 3.17%, [investment](/topic/investment) 3.17%, [market cap](/topic/market-cap) 3.17%, [$unp](/topic/$unp) 1.59%, [$dpz](/topic/$dpz) 1.59%, [dominos](/topic/dominos) 1.59%, [$unh](/topic/$unh) 1.59%, [100k](/topic/100k) XXXX% **Top accounts mentioned or mentioned by** [@europeandgi](/creator/undefined) [@mnkedaniel](/creator/undefined) [@divincomebcast](/creator/undefined) [@ryanopulus](/creator/undefined) [@benreynoldsiv](/creator/undefined) [@djoapen](/creator/undefined) [@european_dgi](/creator/undefined) [@cdinewsletter](/creator/undefined) [@mariogabelli](/creator/undefined) [@dividendincome](/creator/undefined) [@thealphathought](/creator/undefined) [@kinginvestings](/creator/undefined) [@dvdnddiplomats](/creator/undefined) [@dividendroots](/creator/undefined) [@ashton1nvests](/creator/undefined) [@returnsjourney](/creator/undefined) [@brianferoldi](/creator/undefined) [@safalniveshak](/creator/undefined) [@mattbarclay20](/creator/undefined) [@dividenddaddy1](/creator/undefined) **Top assets mentioned** [UNIPOLY (UNP)](/topic/$unp) [Domino's Pizza Inc (DPZ)](/topic/$dpz) [UnitedHealth Group (UNH)](/topic/$unh) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [Goldman Sachs (GS)](/topic/goldman-sachs) [Brown-Forman Corporation Class B (BF.B)](/topic/$bfb) [Constellation Brands, Inc. Class A (STZ)](/topic/$stz) [Molson Coors Beverage Co Class B (TAP)](/topic/$tap) [Chipotle Mexican Grill, Inc. (CMG)](/topic/$cmg) [Altria Group Inc (MO)](/topic/$mo) ### Top Social Posts [#](/creator/twitter::1624139566864076804/posts) --- Top posts by engagements in the last XX hours "@CDInewsletter CFO of $UNP talked about their investments to be more precise with scheduling making sure the right cars were in the right places etc. at the event @MarioGabelli put on in Omaha this year"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1946595722813460873) 2025-07-19 15:39:20 UTC XXX followers, XXX engagements "Domino's $DPZ Q2 2025 earnings are out For dividend growth investors it's a mixed but largely positive report. Here are the key takeaways: #Dominos #DPZ #Earnings #DividendGrowth"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1947272185841942712) 2025-07-21 12:27:22 UTC XXX followers, XXX engagements "@European_DGI $UNH says they proactively reached out to the DOJ. Itll be interesting to see how this plays out"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1948372309338718324) 2025-07-24 13:18:52 UTC XXX followers, XXX engagements "Want to be a better investor Sign up for this financial analysis email course and learn to read financial statements like a pro:"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949578228538167692) 2025-07-27 21:10:45 UTC XXX followers, XX engagements "🛑 First stop: growth. Dow had: ❌ Negative revenue growth (past X years) ❌ Negative EPS growth ❌ Negative future projections If profits arent growing dividends wont either. Thats a dealbreaker"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949808944731582904) 2025-07-28 12:27:32 UTC XXX followers, X engagements "Picture this: $100K in a X% yield dividend portfolio X% price growth X% dividend growth XX% tax. After XX years $623K + $19K yearly dividends. Total: $641K. Not bad right"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1948004711220838451) 2025-07-23 12:58:09 UTC XXX followers, XXX engagements "Dow just cut its dividend - and the stock tanked. But this isnt a story about a buying opportunity. Its a lesson. Heres how you could have seen the cut coming from miles awayand how to avoid stocks like Dow in the future 🧵"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949808819938402529) 2025-07-28 12:27:03 UTC XXX followers, XX engagements "Just read one of the most comprehensive and balanced investment cases I've seen lately for $PYPL from @MnkeDaniel A new CEO. A focused turnaround. And a plan to unlock massive optionality. Heres why PayPal might *finally* shed the PainPal label 🧵"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949526011688915084) 2025-07-27 17:43:16 UTC XXX followers, XXX engagements "@DividendIncome_ Great thread. I'm actually surprised Palantir doesn't have a higher PEG ratio"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949833349314298070) 2025-07-28 14:04:31 UTC XXX followers, X engagements "Taxes Sure dividends get taxed - about XX% in the US. But so do capital gains. And your paycheck. Taxes are part of life. The real question: does the tax hit make dividends a bad deal Lets see"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1948004696352010442) 2025-07-23 12:58:06 UTC XXX followers, XXX engagements "Competition is real. Apple Pay in mobile. Zelle and Cash App in P2P. Stripe and Adyen compete for merchants. But PayPal is still a leader. And its holding its ground"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949526127145599084) 2025-07-27 17:43:43 UTC XXX followers, XX engagements "Former CEO Dan Schulman wanted PayPal to become a super app like WeChat. The result A bloated product with confused users weak engagement and failed targets. That era is over"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949526041250415092) 2025-07-27 17:43:23 UTC XXX followers, XX engagements "@TheAlphaThought Compound growth looks like nothing is happening for a long time. Then all of sudden a lot happens. You have to get through the boring part"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949830120522264608) 2025-07-28 13:51:41 UTC XXX followers, X engagements "From Goldman Sachs: The US Info Tech sector now accounts for XX% of the S&P XXX as measured by market cap matching the record weight that the sector enjoyed back in 99/00. In total the subsector boasts a market cap of $18.5trn this subsector market cap size alone is larger than the entire market cap of every country outside of the U.S.""  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949708407419888101) 2025-07-28 05:48:02 UTC XXX followers, XX engagements "Great thread. The way I read this: It turns out stocks are ownership shares of real businesses and you should buy them that way. Find something that's profitable and pay a reasonable price for it based on the cash it produces. A small company with room to expand is even better"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949836224396464323) 2025-07-28 14:15:56 UTC XXX followers, 1930 engagements "@kinginvestings Correct if you're a long term investor the day to day doesn't matter. I heard an investor - might have been Guy Spier or Mohnish Pabrai - say that they only put in trades when the market is closed"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949830542234357833) 2025-07-28 13:53:22 UTC XXX followers, XX engagements "Are alcohol stocks broken for goodor is this a rare buying opportunity We compare X major alcohol companies using a simple scorecard: Brown-Forman $BF.B Constellation Brands $STZ Diageo $DGE.L AB InBev $ABI Molson Coors $TAP Pernod Ricard $RI.PA"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1946583307384483843) 2025-07-19 14:50:00 UTC XXX followers, XXX engagements "@DvdndDiplomats $CMG is always busy when I go by but market price doesn't always equal business value. When you pay 70x earnings for a stock that's grown EPS by XX% per year over the past XX years you have to expect some drops. Great businesses aren't always great investments"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1948731371939131806) 2025-07-25 13:05:39 UTC XXX followers, XXX engagements "@DJoapen @European_DGI Same one. Previous communication was in reference to a piece published in the WSJ where United said they hadnt been notified of anything by DOJ. Management then proactively reached out to DOJ and is now cooperating in the investigation"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1948423136459788391) 2025-07-24 16:40:50 UTC XXX followers, XX engagements "PayPals history reads like startup legend: Peter Thiel. Elon Musk. A merger. A mafia. A coup that ended with Elon fired on his honeymoon. And an eBay acquisition. But after early innovation came years of stagnation and now finally the makings of a new chapter"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949526028726198477) 2025-07-27 17:43:20 UTC XXX followers, XX engagements "@Ashton_1nvests Diversification isn't about owning a lot of different things. It's about owning things are different. Owning XX semiconductor stocks isn't a diversified portfolio"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949443227532083635) 2025-07-27 12:14:19 UTC XXX followers, XXX engagements "🛑 Next stop: financial health. Dow had: ⚠ $15B in net debt vs an $18B market cap ⚠ EBIT/Interest ratio of just XXX That means almost all earnings were going to pay interest. Thats not a healthy balance sheet"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949808959134843274) 2025-07-28 12:27:36 UTC XXX followers, XX engagements "PayPal is also preparing for an AI-first future. Theyve partnered with Perplexity for instant AI-driven checkout. And theyre experimenting with embedded agents for in-app use. Cancel subscriptions. Reorder essentials. Even gift suggestions. All handled by AI"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949526110389334086) 2025-07-27 17:43:39 UTC XXX followers, XX engagements "@ReturnsJourney Greed will make you abandon common sense and do dumb shit. Greed+optimism is even worse. It creates things like Peloton selling for 1000x earnings:"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949278670129926559) 2025-07-27 01:20:25 UTC XXX followers, XX engagements "@MnkeDaniel It was one of the more comprehensive and balanced write ups Ive seen recently. Most are either PayPal is dead ☠ or PayPal to the moon 🚀 And I can confirm Shawn is right about Americans and credit card rewards - we love em"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949618503767502976) 2025-07-27 23:50:48 UTC XXX followers, XX engagements ""Dividends are dumb" Ever heard that The 'Total Return' crowd loves to bash them saying they're taxed bad capital allocation and that you should just sell shares for income. But are they right Lets break it down with real numbers and facts"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1948004679046345114) 2025-07-23 12:58:02 UTC XXX followers, 5818 engagements "If you invested $10K in $MO XX years ago and reinvested the dividends you would now have a yield on cost of XXX% 🤯 Imagine getting paid over $40000 a year from a one time $10000 investment. That's the power of dividends"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1947336275532648540) 2025-07-21 16:42:02 UTC XXX followers, 1399 engagements "@BrianFeroldi @safalniveshak When stocks are going up people think about what can go right not what can go wrong leading to even higher prices. Higher prices = higher expectations = more risk. Eventually something goes wrong. The seeds of bear markets are planted in the bull markets"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949832714351239327) 2025-07-28 14:01:59 UTC XXX followers, XX engagements "Stocks arent numbers on a screen. Stocks aren't tickers. Stocks are slices of real companies. Think about them that way"  [@tj_terwilliger](/creator/x/tj_terwilliger) on [X](/post/tweet/1949514875950239791) 2025-07-27 16:59:01 UTC XXX followers, XXX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@tj_terwilliger TJ Terwilliger
TJ Terwilliger posts on X about stocks, dow, doj, investment the most. They currently have XXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.
Engagements: XXXXX #
- X Week XXXXX +80%
- X Month XXXXXX +351%
- X Months XXXXXX -XX%
- X Year XXXXXXX +1,284%
Mentions: XX #
Followers: XXX #
- X Week XXX +2.90%
- X Month XXX +6.30%
- X Months XXX +47%
- X Year XXX +148%
CreatorRank: XXXXXXXXX #
Social Influence #
Social category influence finance XXXXX% stocks XXXXX% technology brands XXXXX% cryptocurrencies XXXX% social networks XXXX% celebrities XXXX%
Social topic influence stocks 9.52%, dow 4.76%, doj 3.17%, investment 3.17%, market cap 3.17%, $unp 1.59%, $dpz 1.59%, dominos 1.59%, $unh 1.59%, 100k XXXX%
Top accounts mentioned or mentioned by @europeandgi @mnkedaniel @divincomebcast @ryanopulus @benreynoldsiv @djoapen @european_dgi @cdinewsletter @mariogabelli @dividendincome @thealphathought @kinginvestings @dvdnddiplomats @dividendroots @ashton1nvests @returnsjourney @brianferoldi @safalniveshak @mattbarclay20 @dividenddaddy1
Top assets mentioned UNIPOLY (UNP) Domino's Pizza Inc (DPZ) UnitedHealth Group (UNH) PayPal Holdings Inc (PYPL) Goldman Sachs (GS) Brown-Forman Corporation Class B (BF.B) Constellation Brands, Inc. Class A (STZ) Molson Coors Beverage Co Class B (TAP) Chipotle Mexican Grill, Inc. (CMG) Altria Group Inc (MO)
Top Social Posts #
Top posts by engagements in the last XX hours
"@CDInewsletter CFO of $UNP talked about their investments to be more precise with scheduling making sure the right cars were in the right places etc. at the event @MarioGabelli put on in Omaha this year"
@tj_terwilliger on X 2025-07-19 15:39:20 UTC XXX followers, XXX engagements
"Domino's $DPZ Q2 2025 earnings are out For dividend growth investors it's a mixed but largely positive report. Here are the key takeaways: #Dominos #DPZ #Earnings #DividendGrowth" @tj_terwilliger on X 2025-07-21 12:27:22 UTC XXX followers, XXX engagements
"@European_DGI $UNH says they proactively reached out to the DOJ. Itll be interesting to see how this plays out" @tj_terwilliger on X 2025-07-24 13:18:52 UTC XXX followers, XXX engagements
"Want to be a better investor Sign up for this financial analysis email course and learn to read financial statements like a pro:" @tj_terwilliger on X 2025-07-27 21:10:45 UTC XXX followers, XX engagements
"🛑 First stop: growth. Dow had: ❌ Negative revenue growth (past X years) ❌ Negative EPS growth ❌ Negative future projections If profits arent growing dividends wont either. Thats a dealbreaker" @tj_terwilliger on X 2025-07-28 12:27:32 UTC XXX followers, X engagements
"Picture this: $100K in a X% yield dividend portfolio X% price growth X% dividend growth XX% tax. After XX years $623K + $19K yearly dividends. Total: $641K. Not bad right" @tj_terwilliger on X 2025-07-23 12:58:09 UTC XXX followers, XXX engagements
"Dow just cut its dividend - and the stock tanked. But this isnt a story about a buying opportunity. Its a lesson. Heres how you could have seen the cut coming from miles awayand how to avoid stocks like Dow in the future 🧵" @tj_terwilliger on X 2025-07-28 12:27:03 UTC XXX followers, XX engagements
"Just read one of the most comprehensive and balanced investment cases I've seen lately for $PYPL from @MnkeDaniel A new CEO. A focused turnaround. And a plan to unlock massive optionality. Heres why PayPal might finally shed the PainPal label 🧵" @tj_terwilliger on X 2025-07-27 17:43:16 UTC XXX followers, XXX engagements
"@DividendIncome_ Great thread. I'm actually surprised Palantir doesn't have a higher PEG ratio" @tj_terwilliger on X 2025-07-28 14:04:31 UTC XXX followers, X engagements
"Taxes Sure dividends get taxed - about XX% in the US. But so do capital gains. And your paycheck. Taxes are part of life. The real question: does the tax hit make dividends a bad deal Lets see" @tj_terwilliger on X 2025-07-23 12:58:06 UTC XXX followers, XXX engagements
"Competition is real. Apple Pay in mobile. Zelle and Cash App in P2P. Stripe and Adyen compete for merchants. But PayPal is still a leader. And its holding its ground" @tj_terwilliger on X 2025-07-27 17:43:43 UTC XXX followers, XX engagements
"Former CEO Dan Schulman wanted PayPal to become a super app like WeChat. The result A bloated product with confused users weak engagement and failed targets. That era is over" @tj_terwilliger on X 2025-07-27 17:43:23 UTC XXX followers, XX engagements
"@TheAlphaThought Compound growth looks like nothing is happening for a long time. Then all of sudden a lot happens. You have to get through the boring part" @tj_terwilliger on X 2025-07-28 13:51:41 UTC XXX followers, X engagements
"From Goldman Sachs: The US Info Tech sector now accounts for XX% of the S&P XXX as measured by market cap matching the record weight that the sector enjoyed back in 99/00. In total the subsector boasts a market cap of $18.5trn this subsector market cap size alone is larger than the entire market cap of every country outside of the U.S."" @tj_terwilliger on X 2025-07-28 05:48:02 UTC XXX followers, XX engagements
"Great thread. The way I read this: It turns out stocks are ownership shares of real businesses and you should buy them that way. Find something that's profitable and pay a reasonable price for it based on the cash it produces. A small company with room to expand is even better" @tj_terwilliger on X 2025-07-28 14:15:56 UTC XXX followers, 1930 engagements
"@kinginvestings Correct if you're a long term investor the day to day doesn't matter. I heard an investor - might have been Guy Spier or Mohnish Pabrai - say that they only put in trades when the market is closed" @tj_terwilliger on X 2025-07-28 13:53:22 UTC XXX followers, XX engagements
"Are alcohol stocks broken for goodor is this a rare buying opportunity We compare X major alcohol companies using a simple scorecard: Brown-Forman $BF.B Constellation Brands $STZ Diageo $DGE.L AB InBev $ABI Molson Coors $TAP Pernod Ricard $RI.PA" @tj_terwilliger on X 2025-07-19 14:50:00 UTC XXX followers, XXX engagements
"@DvdndDiplomats $CMG is always busy when I go by but market price doesn't always equal business value. When you pay 70x earnings for a stock that's grown EPS by XX% per year over the past XX years you have to expect some drops. Great businesses aren't always great investments" @tj_terwilliger on X 2025-07-25 13:05:39 UTC XXX followers, XXX engagements
"@DJoapen @European_DGI Same one. Previous communication was in reference to a piece published in the WSJ where United said they hadnt been notified of anything by DOJ. Management then proactively reached out to DOJ and is now cooperating in the investigation" @tj_terwilliger on X 2025-07-24 16:40:50 UTC XXX followers, XX engagements
"PayPals history reads like startup legend: Peter Thiel. Elon Musk. A merger. A mafia. A coup that ended with Elon fired on his honeymoon. And an eBay acquisition. But after early innovation came years of stagnation and now finally the makings of a new chapter" @tj_terwilliger on X 2025-07-27 17:43:20 UTC XXX followers, XX engagements
"@Ashton_1nvests Diversification isn't about owning a lot of different things. It's about owning things are different. Owning XX semiconductor stocks isn't a diversified portfolio" @tj_terwilliger on X 2025-07-27 12:14:19 UTC XXX followers, XXX engagements
"🛑 Next stop: financial health. Dow had: ⚠ $15B in net debt vs an $18B market cap ⚠ EBIT/Interest ratio of just XXX That means almost all earnings were going to pay interest. Thats not a healthy balance sheet" @tj_terwilliger on X 2025-07-28 12:27:36 UTC XXX followers, XX engagements
"PayPal is also preparing for an AI-first future. Theyve partnered with Perplexity for instant AI-driven checkout. And theyre experimenting with embedded agents for in-app use. Cancel subscriptions. Reorder essentials. Even gift suggestions. All handled by AI" @tj_terwilliger on X 2025-07-27 17:43:39 UTC XXX followers, XX engagements
"@ReturnsJourney Greed will make you abandon common sense and do dumb shit. Greed+optimism is even worse. It creates things like Peloton selling for 1000x earnings:" @tj_terwilliger on X 2025-07-27 01:20:25 UTC XXX followers, XX engagements
"@MnkeDaniel It was one of the more comprehensive and balanced write ups Ive seen recently. Most are either PayPal is dead ☠ or PayPal to the moon 🚀 And I can confirm Shawn is right about Americans and credit card rewards - we love em" @tj_terwilliger on X 2025-07-27 23:50:48 UTC XXX followers, XX engagements
""Dividends are dumb" Ever heard that The 'Total Return' crowd loves to bash them saying they're taxed bad capital allocation and that you should just sell shares for income. But are they right Lets break it down with real numbers and facts" @tj_terwilliger on X 2025-07-23 12:58:02 UTC XXX followers, 5818 engagements
"If you invested $10K in $MO XX years ago and reinvested the dividends you would now have a yield on cost of XXX% 🤯 Imagine getting paid over $40000 a year from a one time $10000 investment. That's the power of dividends" @tj_terwilliger on X 2025-07-21 16:42:02 UTC XXX followers, 1399 engagements
"@BrianFeroldi @safalniveshak When stocks are going up people think about what can go right not what can go wrong leading to even higher prices. Higher prices = higher expectations = more risk. Eventually something goes wrong. The seeds of bear markets are planted in the bull markets" @tj_terwilliger on X 2025-07-28 14:01:59 UTC XXX followers, XX engagements
"Stocks arent numbers on a screen. Stocks aren't tickers. Stocks are slices of real companies. Think about them that way" @tj_terwilliger on X 2025-07-27 16:59:01 UTC XXX followers, XXX engagements