Good News and Bad News
First, the bad news: I’m completely swamped today and tomorrow and won’t be able to publish. I’m in the middle of making some major changes—ones that will set the course for the rest of my life, or at least a significant part of it.
Now, the good news: I’ve decided that I’ll stay publishing continuously on billcaradotcom.substack, and everything there, including the Navigator and the general interest reports, will remain free. There will be nothing for sale at Substack, so the impersonators and scam artists who have followed me are out of luck.
For my paying subscribers, your support will be exclusively rewarded with access to the content you’ve come to value—content I’m working hard to improve week after week—on a different site. That premium content will soon be housed on my new and fully protected site, launching in just a few short days.
In the meantime, my portfolio is performing well. I’ll do my best to share daily summary results in my notes here at Substack. Moving forward, the portfolio, along with all assessment and guidance reports, will be part of a separate tier on my new platform—outside of Substack.
And if you’re a paid subscriber wondering about missed reports: don’t worry. I paused all payments a couple of weeks ago, so you haven’t been charged and your subscription has been extended.
Stay tuned—exciting changes are just ahead.
Cara Portfolio Value [Thurs. Feb. 19, 2026 4:00:00 PM ET] $111,951
Start Date January 1, 2026
Stocks 57.9% Cash 42.1%
Gain +$11,951 +11.95%
Dividend Income $356
Beta Risk Factor 0.86x
Gain today +$581 +0.52%
Benchmarks Performance today
S&P 500 6,881 +0.56%
DOW JONES 49,663 +0.26%
NAS100 24,899 -0.80%
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Cara Portfolio Value [Wed. Feb. 18, 2026 4:00:00 PM ET] $111,378
Start Date January 1, 2026
Stocks 57.7% Cash 42.3%
Gain +$11,378 +11.34%
Dividend Income $356
Beta Risk Factor 0.86x
Gain today +$614 +0.55%
Benchmarks Performance today
S&P 500 6,843 +0.10%
DOW JONES 49,533 +0.07%
NAS100 24,702 -0.13%
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Cara Portfolio Value [Tues.Feb. 17, 2026 4:00:00 PM ET] $109,904
Start Date January 1, 2026
Stocks 57.1% Cash 42.9%
Gain +$9,904
Dividend Income $351
Beta Risk Factor 0.87x
Gain today +$446 +0.41%
Benchmarks Performance today
S&P 500 6,836 +0.05%
DOW JONES 49,501 +0.10%
NAS100 24,740 +0.21%
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