傑J personal page - To The Moon

傑J

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2021-08-06

$AEM HOLDINGS LTD(AWX.SI)$Good potential. Results despite report lowercompared to previous year, but taking into account of last year situation. It’s still a good result. Maybe I am the half glass full kind of person ?

2021-08-05

$FRENCKEN GROUP LIMITED(E28.SI)$Let’s go higher!!!

2021-08-10

$FRENCKEN GROUP LIMITED(E28.SI)$ Cautious and looking ?

2021-07-22

$FRENCKEN GROUP LIMITED(E28.SI)$ Thank you

11-08

$Civmec(P9D.SI)$ Slow but steady SG Stock.

2021-08-06

Implementation and humans will always be the concern.

Why Apple's Plan To Scan iPhones For Child Sexual Abuse Content Is Worrying Experts

2021-07-22

Ok

2 Stocks I'm Never Selling

Go to Tiger App to see more news

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Keep leveraging your knowledge to find those hidden gems in the market. Trade with Tiger Cash Boost Account and use contra trading to enhance your strategies.🎉🤓 Welcome to open a CBA today and enjoy access to a trading limit of up to SGD 20,000 with upcoming 0-commission, unlimited trading on SG, HK, and US stocks, as well as ETFs. Find out more here. Other helpful links: How to open a CBA. How to link your CDP account. Other FAQs on CBA. Cash Boost Account Website.","text":"Your investment acumen is really showing. Keep leveraging your knowledge to find those hidden gems in the market. Trade with Tiger Cash Boost Account and use contra trading to enhance your strategies.🎉🤓 Welcome to open a CBA today and enjoy access to a trading limit of up to SGD 20,000 with upcoming 0-commission, unlimited trading on SG, HK, and US stocks, as well as ETFs. Find out more here. Other helpful links: How to open a CBA. How to link your CDP account. Other FAQs on CBA. Cash Boost Account Website.","html":"Your investment acumen is really showing. Keep leveraging your knowledge to find those hidden gems in the market. Trade with Tiger Cash Boost Account and use contra trading to enhance your strategies.🎉🤓 Welcome to open a CBA today and enjoy access to a trading limit of up to SGD 20,000 with upcoming 0-commission, unlimited trading on SG, HK, and US stocks, as well as ETFs. Find out more here. Other helpful links: How to open a CBA. How to link your CDP account. Other FAQs on CBA. Cash Boost Account Website."}],"imageCount":1,"langContent":"EN","totalScore":0},{"id":893308630,"gmtCreate":1628235280420,"gmtModify":1703503675138,"author":{"id":"3580525223233841","authorId":"3580525223233841","name":"傑J","avatar":"https://static.tigerbbs.com/27b2c01ca36bff98bc60b700de0dfe37","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3580525223233841","authorIdStr":"3580525223233841"},"themes":[],"htmlText":"Implementation and humans will always be the concern.&nbsp;","listText":"Implementation and humans will always be the concern.&nbsp;","text":"Implementation and humans will always be the concern.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/893308630","repostId":"1167569709","repostType":4,"repost":{"id":"1167569709","weMediaInfo":{"introduction":"Stock Market Quotes, Business News, Financial News, Trading Ideas, and Stock Research by Professionals","home_visible":0,"media_name":"Benzinga","id":"1052270027","head_image":"https://static.tigerbbs.com/d08bf7808052c0ca9deb4e944cae32aa"},"pubTimestamp":1628233505,"share":"https://ttm.financial/m/news/1167569709?lang=&edition=fundamental","pubTime":"2021-08-06 15:05","market":"us","language":"en","title":"Why Apple's Plan To Scan iPhones For Child Sexual Abuse Content Is Worrying Experts","url":"https://stock-news.laohu8.com/highlight/detail?id=1167569709","media":"Benzinga","summary":"Apple has introduced new features to detect child sexual abuse content on iPhones in the U.S., but t","content":"<p><b><a href=\"https://laohu8.com/S/AAPL\">Apple</a></b> has introduced new features to detect child sexual abuse content on iPhones in the U.S., but the move is worrying experts.</p>\n<p><b>What Happened</b>: Apple said Thursday that a new system will detect images of child exploitation called Child Sexual Abuse Material (CSAM) and match the image against a database of hashes provided by the National Center for Missing and Exploited Children (NCMEC) and other child safety organizations.</p>\n<p>The matching process is done on the user’s&nbsp;iPhone&nbsp;before the image is uploaded to the iCloud. If a matching image is found, it will be manually reviewed.</p>\n<p>On confirmation of child pornography, the user’s iCloud account will be disabled and the incident will be reported to law enforcement.</p>\n<p>Apple said that the new features will come later this year in updates to its operating software for iPhones, Apple Watches and Macs.</p>\n<p><b>Why It Matters:</b>&nbsp;<a href=\"https://laohu8.com/S/AAPL\">Apple</a> has been under pressure from law enforcement around the world to weaken its encryption so that it would help in the investigation of terrorism or child exploitation. The launch of the new features will help to alleviate some of those concerns.</p>\n<p>However, security experts are worried that the technology could be eventually be expanded to scan phones for other prohibited content. It could also be used by authoritarian governments to spy on dissidents and protestors.</p>\n<p><b>Matthew Green</b>, a cryptography researcher at Johns Hopkins University, warned that the new features will “break the dam” and governments will demand data from everyone.</p>\n<p>\"[The] problem is that encryption is a powerful tool that provides privacy, and you can’t really have strong privacy while also surveilling every image anyone sends,\" Green said.</p>\n<blockquote>\n Whoever controls this list can search for whatever content they want on your phone, and you don’t really have any way to know what’s on that list because it’s invisible to you (and just a bunch of opaque numbers, even if you hack into your phone to get the list.)\n</blockquote>\n<blockquote>\n — Matthew Green (@matthew_d_green)&nbsp;August 5, 2021\n</blockquote>\n<p><b>Price Action</b>: Apple shares closed less than 0.1% higher in Thursday’s regular trading session at $147.06, but declined 0.11% in the after-hours session to $146.90.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Why Apple's Plan To Scan iPhones For Child Sexual Abuse Content Is Worrying Experts</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; 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overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWhy Apple's Plan To Scan iPhones For Child Sexual Abuse Content Is Worrying Experts\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/d08bf7808052c0ca9deb4e944cae32aa);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Benzinga </p>\n<p class=\"h-time\">2021-08-06 15:05</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<p><b><a href=\"https://laohu8.com/S/AAPL\">Apple</a></b> has introduced new features to detect child sexual abuse content on iPhones in the U.S., but the move is worrying experts.</p>\n<p><b>What Happened</b>: Apple said Thursday that a new system will detect images of child exploitation called Child Sexual Abuse Material (CSAM) and match the image against a database of hashes provided by the National Center for Missing and Exploited Children (NCMEC) and other child safety organizations.</p>\n<p>The matching process is done on the user’s&nbsp;iPhone&nbsp;before the image is uploaded to the iCloud. If a matching image is found, it will be manually reviewed.</p>\n<p>On confirmation of child pornography, the user’s iCloud account will be disabled and the incident will be reported to law enforcement.</p>\n<p>Apple said that the new features will come later this year in updates to its operating software for iPhones, Apple Watches and Macs.</p>\n<p><b>Why It Matters:</b>&nbsp;<a href=\"https://laohu8.com/S/AAPL\">Apple</a> has been under pressure from law enforcement around the world to weaken its encryption so that it would help in the investigation of terrorism or child exploitation. The launch of the new features will help to alleviate some of those concerns.</p>\n<p>However, security experts are worried that the technology could be eventually be expanded to scan phones for other prohibited content. It could also be used by authoritarian governments to spy on dissidents and protestors.</p>\n<p><b>Matthew Green</b>, a cryptography researcher at Johns Hopkins University, warned that the new features will “break the dam” and governments will demand data from everyone.</p>\n<p>\"[The] problem is that encryption is a powerful tool that provides privacy, and you can’t really have strong privacy while also surveilling every image anyone sends,\" Green said.</p>\n<blockquote>\n Whoever controls this list can search for whatever content they want on your phone, and you don’t really have any way to know what’s on that list because it’s invisible to you (and just a bunch of opaque numbers, even if you hack into your phone to get the list.)\n</blockquote>\n<blockquote>\n — Matthew Green (@matthew_d_green)&nbsp;August 5, 2021\n</blockquote>\n<p><b>Price Action</b>: Apple shares closed less than 0.1% higher in Thursday’s regular trading session at $147.06, but declined 0.11% in the after-hours session to $146.90.</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AAPL":"苹果"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1167569709","content_text":"Apple has introduced new features to detect child sexual abuse content on iPhones in the U.S., but the move is worrying experts.\nWhat Happened: Apple said Thursday that a new system will detect images of child exploitation called Child Sexual Abuse Material (CSAM) and match the image against a database of hashes provided by the National Center for Missing and Exploited Children (NCMEC) and other child safety organizations.\nThe matching process is done on the user’s iPhone before the image is uploaded to the iCloud. If a matching image is found, it will be manually reviewed.\nOn confirmation of child pornography, the user’s iCloud account will be disabled and the incident will be reported to law enforcement.\nApple said that the new features will come later this year in updates to its operating software for iPhones, Apple Watches and Macs.\nWhy It Matters: Apple has been under pressure from law enforcement around the world to weaken its encryption so that it would help in the investigation of terrorism or child exploitation. The launch of the new features will help to alleviate some of those concerns.\nHowever, security experts are worried that the technology could be eventually be expanded to scan phones for other prohibited content. It could also be used by authoritarian governments to spy on dissidents and protestors.\nMatthew Green, a cryptography researcher at Johns Hopkins University, warned that the new features will “break the dam” and governments will demand data from everyone.\n\"[The] problem is that encryption is a powerful tool that provides privacy, and you can’t really have strong privacy while also surveilling every image anyone sends,\" Green said.\n\n Whoever controls this list can search for whatever content they want on your phone, and you don’t really have any way to know what’s on that list because it’s invisible to you (and just a bunch of opaque numbers, even if you hack into your phone to get the list.)\n\n\n — Matthew Green (@matthew_d_green) August 5, 2021\n\nPrice Action: Apple shares closed less than 0.1% higher in Thursday’s regular trading session at $147.06, but declined 0.11% in the after-hours session to $146.90.","news_type":1},"isVote":1,"tweetType":1,"viewCount":241,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":172956908,"gmtCreate":1626929614904,"gmtModify":1703480800315,"author":{"id":"3580525223233841","authorId":"3580525223233841","name":"傑J","avatar":"https://static.tigerbbs.com/27b2c01ca36bff98bc60b700de0dfe37","crmLevel":4,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3580525223233841","authorIdStr":"3580525223233841"},"themes":[],"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/172956908","repostId":"2153610498","repostType":4,"repost":{"id":"2153610498","pubTimestamp":1626923460,"share":"https://ttm.financial/m/news/2153610498?lang=&edition=fundamental","pubTime":"2021-07-22 11:11","market":"us","language":"en","title":"2 Stocks I'm Never Selling","url":"https://stock-news.laohu8.com/highlight/detail?id=2153610498","media":"Motley Fool","summary":"It's the only way to take advantage of what makes each of these businesses special.","content":"<p>To say I will never sell a stock typically means <a href=\"https://laohu8.com/S/AONE.U\">one</a> of two things: either management has laid out a strategy that obviously compounds its advantages over time or the company is benefiting from a trend that has no end in sight.</p>\n<p>For <b>Markel</b> (NYSE:MKL), management evaluates itself in five year windows and is transparent about its methodical approach to deploying capital. It is also following a model that has proven itself over the past half century. On the other hand, <b>Rollins</b> (NYSE:ROL) is riding a wave of climate change that is making its service valuable in an ever larger portion of the globe. Both give me good reason to suspect I'll never sell a share.</p>\n<h2>1. Markel</h2>\n<p>Markel is a specialty insurer that has developed an expertise in pricing unconventional risks. By focusing on areas like Arabian horses, summer camps, and karate schools, it has carved out a niche for itself where competition isn't fierce and its experience allows it to accurately assess the fair price for an insurance policy.</p>\n<p>That expertise shows up in the combined ratio. It's the percent of premiums collected that insurers pay as claims. Similar to gross margin, it is the standard measure of policy profitability. Anything under 100% means the company made more money than it paid out. For the past 15 years, Markel has only had two years where its combined ratio exceeded 100%. For that decade and a half, it averaged 95%. For context, the industry average is 100% -- break even -- over the past five years.</p>\n<p>That profitability has allowed management to invest in equities and buy small businesses. It's why many think of the company as the baby <b>Berkshire</b> <b>Hathaway</b> (NYSE:BRK.A)(NYSE:BRK.B). Like Berkshire, Markel uses book value per share as a yardstick for the company's value. It has grown 10.6% annually over the past decade, from $334 to $914. To underscore its long-term approach, the company uses five year time frames to evaluate its performance. And it is honest when it doesn't measure up.</p>\n<p>Management pointed out in the most recent shareholder letter that the stock hasn't delivered over the past half-decade. At the time that letter was written, shares had underperformed the broader <b>S&amp;P 500 index</b> by an eye-popping 6,680 basis points since 2015 (100 basis points is equal to one percent). So far in 2021, the stock has merely held steady versus the index. It's a far cry from what shareholders had experienced over previous periods.</p>\n<table border=\"1\">\n <tbody>\n  <tr>\n   <th>Period</th>\n   <th>Markel Shares</th>\n   <th>S&amp;P 500</th>\n   <th>Annual Outperformance</th>\n  </tr>\n  <tr>\n   <td>2006 to 2010</td>\n   <td>19.3%</td>\n   <td>0.8%</td>\n   <td>Markel by 3.5%</td>\n  </tr>\n  <tr>\n   <td>2011 to 2015</td>\n   <td>133.6%</td>\n   <td>62.5%</td>\n   <td>Markel by 11.3%</td>\n  </tr>\n  <tr>\n   <td>2016 to 2020</td>\n   <td>17%</td>\n   <td>83.8%</td>\n   <td>S&amp;P 500 by 10.8%</td>\n  </tr>\n  <tr>\n   <td>2021 YTD</td>\n   <td>14.6%</td>\n   <td>13.4%</td>\n   <td>Markel by 1.2%</td>\n  </tr>\n </tbody>\n</table>\n<p>Data Source: Y-Charts; YTD=Year-to-Date.</p>\n<p>Over the entire 15 year period, Markel shares are only slightly outperforming. With stock valuations near the highest ever recorded by some measures, that trend of mediocrity is unlikely to persist for the next decade.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/976389138a438e7cd61a16f56e048c3d\" tg-width=\"720\" tg-height=\"449\" referrerpolicy=\"no-referrer\"><span>MKL data by YCharts</span></p>\n<h2>2. Rollins</h2>\n<p>Rollins can trace its roots back to a small pest control business in the late 19th century. These days, it has 2.8 million customers across 900 locations worldwide. The last few decades have proven that getting rid of unwanted pests and wildlife is not something people cut back on even when the economy struggles. Rollins has seen 23 consecutive years of revenue growth and has averaged 20% annual earnings growth over the past two decades. That's not likely to change.</p>\n<p>The company has a pristine financial profile, with immense cash generation and little debt. But what convinces me to hold for the next few decades is the impact a warming climate will have on the pests Rollins makes its money removing. A few examples prove the point.</p>\n<p>Cockroaches love the hot humid air during summer. It's their breeding season. As the temperatures rise, they also get more active. In fact, they even cover more territory. Although they don't move much when it's cold, they begin to walk and run when it heats up. Real migration can happen when the temperature climbs above 100 degrees Fahrenheit -- they take flight. If you are expecting dry conditions to stand in the way of their progress, think again. Unlike humans, they can hold their breath for 40 minutes at a time in arid conditions to prevent dehydration.</p>\n<p>Warmer winters and hotter summers also provide a great breeding environment for rats. With a gestation period of only 14 days, and an ability to start reproducing at only one month old, one pregnant rat can lead to more than 15,000 babies in a year. That's both impressive and disgusting. With global temperatures rising, rats brazenly meandering towns and cities like they did during the COVID lockdowns could become more prevalent.</p>\n<p>Another result of rising temperatures has been an increase in mosquito-borne illnesses. Scientists believe over the next 30 years, the bloodsuckers will expand their territory to reach half of the world's population. Recent data suggests various species are spreading north at about 37 miles-per-year in the U.S. and 93 miles-per-year in Europe. Although there are multiple factors behind the migration, it all adds up to an expanded opportunity for Rollins. It's a change that will occur over the next 30 years. For me, it's a good reason to hold shares and never sell.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>2 Stocks I'm Never Selling</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n2 Stocks I'm Never Selling\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-07-22 11:11 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/07/21/2-stocks-im-never-selling/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>To say I will never sell a stock typically means one of two things: either management has laid out a strategy that obviously compounds its advantages over time or the company is benefiting from a ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/07/21/2-stocks-im-never-selling/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"MKL":"Markel Corp","ROL":"Rollins Inc"},"source_url":"https://www.fool.com/investing/2021/07/21/2-stocks-im-never-selling/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2153610498","content_text":"To say I will never sell a stock typically means one of two things: either management has laid out a strategy that obviously compounds its advantages over time or the company is benefiting from a trend that has no end in sight.\nFor Markel (NYSE:MKL), management evaluates itself in five year windows and is transparent about its methodical approach to deploying capital. It is also following a model that has proven itself over the past half century. On the other hand, Rollins (NYSE:ROL) is riding a wave of climate change that is making its service valuable in an ever larger portion of the globe. Both give me good reason to suspect I'll never sell a share.\n1. Markel\nMarkel is a specialty insurer that has developed an expertise in pricing unconventional risks. By focusing on areas like Arabian horses, summer camps, and karate schools, it has carved out a niche for itself where competition isn't fierce and its experience allows it to accurately assess the fair price for an insurance policy.\nThat expertise shows up in the combined ratio. It's the percent of premiums collected that insurers pay as claims. Similar to gross margin, it is the standard measure of policy profitability. Anything under 100% means the company made more money than it paid out. For the past 15 years, Markel has only had two years where its combined ratio exceeded 100%. For that decade and a half, it averaged 95%. For context, the industry average is 100% -- break even -- over the past five years.\nThat profitability has allowed management to invest in equities and buy small businesses. It's why many think of the company as the baby Berkshire Hathaway (NYSE:BRK.A)(NYSE:BRK.B). Like Berkshire, Markel uses book value per share as a yardstick for the company's value. It has grown 10.6% annually over the past decade, from $334 to $914. To underscore its long-term approach, the company uses five year time frames to evaluate its performance. And it is honest when it doesn't measure up.\nManagement pointed out in the most recent shareholder letter that the stock hasn't delivered over the past half-decade. At the time that letter was written, shares had underperformed the broader S&P 500 index by an eye-popping 6,680 basis points since 2015 (100 basis points is equal to one percent). So far in 2021, the stock has merely held steady versus the index. It's a far cry from what shareholders had experienced over previous periods.\n\n\n\nPeriod\nMarkel Shares\nS&P 500\nAnnual Outperformance\n\n\n2006 to 2010\n19.3%\n0.8%\nMarkel by 3.5%\n\n\n2011 to 2015\n133.6%\n62.5%\nMarkel by 11.3%\n\n\n2016 to 2020\n17%\n83.8%\nS&P 500 by 10.8%\n\n\n2021 YTD\n14.6%\n13.4%\nMarkel by 1.2%\n\n\n\nData Source: Y-Charts; YTD=Year-to-Date.\nOver the entire 15 year period, Markel shares are only slightly outperforming. With stock valuations near the highest ever recorded by some measures, that trend of mediocrity is unlikely to persist for the next decade.\nMKL data by YCharts\n2. Rollins\nRollins can trace its roots back to a small pest control business in the late 19th century. These days, it has 2.8 million customers across 900 locations worldwide. The last few decades have proven that getting rid of unwanted pests and wildlife is not something people cut back on even when the economy struggles. Rollins has seen 23 consecutive years of revenue growth and has averaged 20% annual earnings growth over the past two decades. That's not likely to change.\nThe company has a pristine financial profile, with immense cash generation and little debt. But what convinces me to hold for the next few decades is the impact a warming climate will have on the pests Rollins makes its money removing. A few examples prove the point.\nCockroaches love the hot humid air during summer. It's their breeding season. As the temperatures rise, they also get more active. In fact, they even cover more territory. Although they don't move much when it's cold, they begin to walk and run when it heats up. Real migration can happen when the temperature climbs above 100 degrees Fahrenheit -- they take flight. If you are expecting dry conditions to stand in the way of their progress, think again. Unlike humans, they can hold their breath for 40 minutes at a time in arid conditions to prevent dehydration.\nWarmer winters and hotter summers also provide a great breeding environment for rats. With a gestation period of only 14 days, and an ability to start reproducing at only one month old, one pregnant rat can lead to more than 15,000 babies in a year. That's both impressive and disgusting. With global temperatures rising, rats brazenly meandering towns and cities like they did during the COVID lockdowns could become more prevalent.\nAnother result of rising temperatures has been an increase in mosquito-borne illnesses. Scientists believe over the next 30 years, the bloodsuckers will expand their territory to reach half of the world's population. Recent data suggests various species are spreading north at about 37 miles-per-year in the U.S. and 93 miles-per-year in Europe. Although there are multiple factors behind the migration, it all adds up to an expanded opportunity for Rollins. It's a change that will occur over the next 30 years. For me, it's a good reason to hold shares and never sell.","news_type":1},"isVote":1,"tweetType":1,"viewCount":360,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}