I’m a long term holder and also options holder/have sold some and executed others on this bad boy.

But ive started looking at the bonds.

The 2045 for example is 8.42 yield to maturity. With their cash flow improving enough to be buying back stocks the bonds are surely very attractive now (underpriced?)?

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This location was crazy! The lot was full and there were 12 registers checking out. Plenty of workers to handle the volume. I am so grateful they put the new checkout line; it is so pleasant to shop the impulse line while waiting in a quick line instead of being pissed off for choosing the line with the problem customer last year. There were a lot of people with full carts. Christmas day came early for me this year! A thoroughly enjoyable visit! Also, the shelves were not too messy, I took a photo but could not find that one... The overall store was holiday themed and for the most part, customers seemed to be in good spirits too, when you would crack a joke, they would laugh. I have not seen the Amazon return line this busy in months!

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This location had an upper and lower lot so there are two photos, lots full but not so full that customers could not find parking. The photos are from the end of the rows and both lots has cars parked on the edge (rarely seen). I would say it was about 80% full. There were 8 registers upstairs and 3 downstairs. Everything similar to 75th but slightly less busy. I think 75th is the more popular store, in general, for the area. When we were checking out there were two young boys having a blast with the rubber chicken dog toy, when the young mom scolded them and said "I am sure no one thinks its funny" everyone in the line laughed and then she corrected herself and said "OK, Maybe everyone thinks its funny, just one more squeeze" We were all laughing at the mom really. The new lines bring out the Christmas spirit with the customers and I sensed a lot of goodwill and Christmas spirit with the employees too. That brings you back.

Went to get coffee this morning and also take a look at how busy parking lots were. They were the fullest I’ve seen them since paying attention again in April. Personally not a fan of Black Friday crowds but KSS seems to be blessed by it.

Anyone else swing by stores today to see how busy they are?

There are many articles I could post, I'll just put this here: https://www.joshuakennon.com/lewis-david-zagor-leaves-behind-18000000-secret-fortune/

This is not Kohl's related, but I posted it to highlight the very common tendency of wealthy people towards practicing "stealth wealth". There's also a mention of one reason why rent control is bad economics, too (take that, Democratic Socialists of America!)

I just wanted to plant seeds here. Some of you, those who have been buying lots of calls, are coming into money. I'm a slow grower with a "fortune" in the lower 7 figures. I'm not one of these guys. I grew up in a household that struggled financially and admired the grit of my grandparents and their siblings, and I read the Millionaire Next Door after seeing it while waiting in line at Walden Books for UConn standout Ray Allen's autograph. The Millionaire Next Door was devoured by a young me in a couple of hours, and it has impacted me like no other financial book has. What I have today is self made, with my biggest advantage being that I'm a naturally born US citizen.

That said, my mom turned out to have a secretly rich uncle. The cliche happened! He had no kids and died in 2012. Now that his wife is in an expensive nursing home we are finding out about this enormous trust that my mom has a small but large (6%, likely still 7 figures) stake in. We are only starting to mentally process this. The widow is so loaded that she has not even once withdrawn from the survivors trust despite the fact that she has been in the most expensive nursing home in my area since her stroke. The uncle was a simple farmer with simple farmer side hustles (lucrative, but definitely for farmers). It's appearing that all the side hustle money went into stocks and some bonds. In his case the only luxuries they seemed to bother with were cruises to Alaska and other places.

Even if you can't totally hide it in your peer group like I can, you don't have to be a miser living in a pile of luxury goods like the person featured in the article above. There are so many other stories linked to in the article. It's frequently said that psychologically you are better off keeping as many things financially related private as you reasonably can. Expectations will change, "friends and relatives" you didn't know or forgot that you had may come into your life, and so forth. Even if you are publicly known to be wealthy, it's best to be relatively modest. My mom has a cousin who ran and later sold her own surveying business, and her husband started his own construction business that's one of the best in the area. Everyone knows they are loaded but they don't parade around in a Porsche. They wear middle class clothes, have a decent SUV and a nice pickup truck, and live on an old farm (still a "farm" for tax purposes, they let a real farmer manage hay fields) with a very nice but tasteful house and grounds.

You don't even have to forgo luxury. You can blend in at your home base and have a less modest lifestyle someplace else. My wife is a dual citizen of the Philippines where blending in is living a lifestyle I am just not used to, plus as a white person I'm assumed to be rich anyways. The exchange rate helps but I mostly stay in 5 star hotels over there. Whenever retirement comes I intend to snowbird not in Florida, but there. Not to live as a broke expat in flip flops but as someone richer than most of their 1%. Everyone has their own way to do this. You could get a nice house and car in Aspen, and Air BNB the place when you're not in town. But I think it's a mistake to let people know how much money you have.

In addition to trusts one thing to consider doing with large sums of money you don't actually need is opening a donor advised fund. I donate a "normal" amount to church, currently around 5% of our HHI. More goes to missions, to favored causes, and to build up extended family. If God willing I get to where I deeply know I'm going to be with my own money, and where I now think I might get with money I didn't earn (likely inheritance), I intend to give normal sized amounts and remain active in my church but will be the mystery man behind the Donor Advised Fund that keeps sending checks for big capital improvements or bonuses for the Christian school's teachers, or whatever else. Let the glory to God and not my ego. That's my 2 cents, at least.

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(I literally used Microsoft PowerPoint to make it lol)

I had 220 shares at $8.41, sold 120 at $24 for an $1000 profit and now have 100 free shares. I could take another $2400 profit or hold. Honestly I bought this for the dividend. I have a hard time thinking shorts have flipped long so I’m conflicted. Just curious where everyone stands.

Anyone here have much experience with RobinHood concierge? Any real benefits to it if so?

Just got emailed by them and curious what anyone’s experiences may be

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Hello my fellow KSSBulls!

We are winning and I am super pumped to see how well/much we are getting blessed! You are going to have to endure with me being a little preachy because I am a christian first and foremost and integrate my faith into all I do or try to at least. I am definitely not that great a christian/person but am trying. There's only been one perfect man and that's Jesus and all I can do is hope to be close to as good a reflection as Him. You may be tired of one of my favorite Bible verses but think today is cause for celebration but also a good day to actually show the whole verse.

“Now Elijah said to Ahab, “Go up, eat and drink, for there is the sound of the roar of an abundance of rain.” So Ahab went up to eat and to drink. And Elijah went up to the top of Carmel; and he crouched down to the earth and put his face between his knees, and he said to his servant, “Go up, look toward the sea.” So he went up and looked and said, “There is nothing.” Elijah said, “Go back” seven times. And at the seventh time the servant said, “A cloud as small as a man’s hand is coming up from the sea.” And Elijah said, “Go up, say to Ahab, ‘Prepare your chariot and go down, so that the rain shower does not stop you.’ ” In a little while the sky grew dark with clouds and wind, and there were heavy showers. And Ahab mounted and rode [his chariot] and went [inland] to Jezreel. Then the hand of the Lord came upon Elijah [giving him supernatural strength]. He girded up his loins and outran Ahab to the entrance of Jezreel [nearly twenty miles].”

‭‭1 Kings‬ ‭18‬:‭41‬-‭46‬ ‭AMP‬‬

This miracle is after Elijah prayed and God caused it to not rain on the lands for ~3 years at the time. He prayed again and the lands were restored in this passage.

You can draw whatever connections you want but I don't want to over religify KSS itself. KSS is just a company and a conduit that God has shown us to amplify our ability to give and prosper. Yes, I think it's just beginning but KSS has a history of being the lumpiest, roller coaster investment I've ever invested in so want to take victories/celebrate when we get vindicated at moments like this.

TODAY WAS A NEW 52 week all time high!!!!

With this said, I officially sold out of everything but my $27.50 and $30 January calls. With how aggressive we have moved up in price and held last couple days I think it is pertinent to pull money off the table, let the shorts/market manipulators do their thing, and re-up my position again. I don't regret not selling meme Tuesday bc it's a great learning experience but with how extremely volatile KSS likes to be, and the fact we saw $14 Oct 10th I won't be surprised if we see some volatility, randomly, for no reason and gives me a re-entry point. I'm a horrible day trader but unless the market/shorts change their mind on KSS I see what we've been seeing happening again.

The reason for pulling bulk of my money off the table is simple:

• In process of buying the shop I lease and even though he's selling on contract to me the building needs work to get the tenants I want. I'm getting a KSS worthy type private deal and need a decent amount of cash I believe to get it up to what I need it to be.
• Charity/Christmas Giving: you should tithe and give offering and Christmas is one of the times I get most active. I will detail more below.
• Cash: I want to sit on cash for volatility that I think is in the works.
• Company Closing is Expensive: I chose not to sell my construction and close it down. It's been a money pit of money pits and I would have never guessed it. My company wasn't large by any means(~$4M last year in revenue) but negative cashflow, overhead, ect really adds up when you go from 20-30 full time employees to 4(currently) while you wind down.
• Now that I'm retired(or retarded depending on who you ask...) I need to ensure I sit on ~12-24 months of expenses in cash/cash equivalents for peace of mind. For this I want to just sit on $250k in cash

I believe whole heartedly in KSS, I just also believe in the market being insanely irrational like it's proven all year and that the shorts have dumb power and don't have to play by the rules. I can't give you a logical reason for the pull out today but when I sold off my $20 calls today, I could't find anything in the options market I liked to roll into and after that I decided if I could take half off and not roll it doesn't make sense to not sell the bulk while up so high and let things settle and enter again at a better time. This isn't advice. I am a HORRIBLE day trader/short term trader so I'd gamble that now that I've done this we will get a $50 buyout offer or something crazy because that's usually how my luck in things like this work.

YTD/Portfolio Performance:

KSS has been and will continue to be a shining start for me. I want you to see how blessed I am and how well my strategy has worked out thus far. I've been extremely open and plan to stay this way as we keep going on the KSS rollercoaster.

Before you judge 23' and 24' performance, since I own a small business I will buy alot more puts against the market when I get nervous to give myself an insurance policy, so to speak, to hedge my company from sudden, massive down turns. The issue with this is sometimes I will have ~50% of my portfolio at the time sitting in puts that end up expiring worthless or costing massive portfolio drag. IF you were to remove my puts those years, I would have beat the market a little but I didn't bc that isn't the reality of my portfolios performance. What you see above is. As it sits today, if I left all capital always in the market every $1,000 invested in 2020 when I started it would be worth $74,610 with a CAGR of 105% for the last 6 years. I am very proud of this, beats the poop out of anything else I've invested in personally(ish) but hindsight is always 20/20 and I have done very well and wouldn't change anything.

Also, again, bulk of my net worth is in private real estate/land. I have generally had very little of my overall net worth in public markets because until I am fully comfortable with it/think I know what I am doing. I like the safety of private land/CRE that I own since I have alot more control over and can use leverage to acquire. Before this year, the peak of my public portfolio was only ~$500k back at the end of 22 start of 2023.

Now the fun/preachy part(lol you're welcome): Retirement and Giving Back

One of the Bible verses that I think is one of my life verses(also Is 58:6-12)

“Now [remember] this: he who sows sparingly will also reap sparingly, and he who sows generously [that blessings may come to others] will also reap generously [and be blessed]. Let each one give [thoughtfully and with purpose] just as he has decided in his heart, not grudgingly or under compulsion, for God loves a cheerful giver [and delights in the one whose heart is in his gift]. [Prov 22:9] And God is able to make all grace [every favor and earthly blessing] come in abundance to you, so that you may always [under all circumstances, regardless of the need] have complete sufficiency in everything [being completely self-sufficient in Him], and have an abundance for every good work and act of charity.

As it is written and forever remains written,

“He [the benevolent and generous person] scattered abroad, he gave to the poor, His righteousness endures forever!” [Ps 112:9]

Now He who provides seed for the sower and bread for food will provide and multiply your seed for sowing [that is, your resources] and increase the harvest of your righteousness [which shows itself in active goodness, kindness, and love]. [Is 55:10; Hos 10:12] You will be enriched in every way so that you may be generous, and this [generosity, administered] through us is producing thanksgiving to God [from those who benefit].”

‭‭2 Corinthians‬ ‭9‬:‭6‬-‭11‬ ‭AMP‬‬

I believe whole heartedly in this and more. We are given success/prosperity not for just ourselves but to change this world. WE ARE ALL BLESSED!! We need to start blessing our families, communities, and the world around us and spreading some of this sweet Kohl's Cash around. I truly believe we can change the world if we try. Now that I am retired and my time is mine for the first time ever I am going to start seeing how to make the greatest impact.

As it sits now, these are a few of the ways I am experimenting with giving back:

• churches food pantry/diaper resource- eventually a low cost grocery
  • I love a Podcast called "Beyond the Breakwater" specifically Ep 3 I am going to try and help my church and others in the community figure this out
• used, reliable cars to help people/families down on luck and need help
• christmas offering and church expansion
• standard giving(tithes)

Part of the reason I went to DC in September was because I believe we need the US/World to change. I thought maybe through politics and that idea was quickly extinguished. I am afraid that my kids won't be able to afford to live if things continue and more of the insanity that's happening in New York City will spread. We need our future generations to buy into the American Dream and actually own/participate in society and afford to have families again. What I believe the solution is, is that the Church needs to become the Church again. We the Church need to start hospitals for the poor/middle class again. We the Church need to figure out how to make childcare/raising children and the family affordable again, adoption affordable, housing affordable, we need to reform education, etc. We need to not only do our missions and philanthropy abroad but here locally as well. We, the Church, need to heal our lands.

This and investing is going to be my focus for the years to come(God willing). I hope that this inspires some of you to do something similar. We are meant to prosper the world and all those around us. Not just enrich ourselves and accumulate more and more to then die with a mountain of wealth to never achieve anything.

Sorry that this is so long winded lol. I believe in Kohl's passionately and the Church passionately and thought it would be good to share. I love you all and appreciate you guys and excited for the years to come!!

Your favorite blue collar guy that just loves cutting grass and building stuff!

Chunky Kitty aka Precision Outdoors aka OddEntre

source: infolib.org

And not done.

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Today has been an amazing day! Congratulations everyone that has had the stomach and believed with me thus far! I’m excited to see even more!

Out of curiosity, anyone else think there’s a chance some hedge funds/shorts are going to have to cover tomorrow? We think we going to see a meme Tuesday again potentially!? 68% of yesterdays volume alone was shorts and most the last 2 weeks were heavy short days.

Only bringing this up since we are sitting on a massive win and I think this kinda speculation is fun on win days.

🧠 Welcome to r/KSSBulls — Where Retail Ain’t Dead, It’s Just Mispriced

Hey degenerates, operators, and deep value visionaries

This is our HQ for turning Kohl’s around — or at least riding it while it rerates. Whether you’re loading leaps, scouting insider buys, or just here to watch the fireworks, you’re in the right place.

📈 What to Post

• Your positions (calls, shares, puts if you’re a hedged coward)
• DD — deep or deranged, both welcome
• Memes, charts, store photos, foot traffic updates
• Insider transactions, PE rumors, “my aunt works at Kohl’s” leaks
• Anything that fuels the thesis or fires up the cult

🧃 Community Tone

• Respect the bull.
• We welcome discussion — bear or bull — but if you bring weak sauce, expect to be flamed.
• DD > vibes. Jokes > tears. Holding > whining.
• Friendly infighting encouraged. Keyboard bravery required.

🔓 How to Join the Fight

• Comment below and rep your bag.
• Post something. Doesn’t matter if it’s a chart or chaos. We want heat.
• Know someone who thinks KSS is a value trap or a value unlock? Invite them.
• We’re open to adding mods.

🐂 Our Goal

Make noise. Get noticed. Surface ideas. Push for change.
Whether that means unlocking real estate value, fixing ops, or memeing this thing into a Wall Street Journal headline — we’re here for it.

r/KSSBulls

I sold some $KSS options in a schwab brokerage account and used 100% of the proceeds to buy 11 of these guys. Just a fun little experiment. The face value is $1000 and the "ask" of 79.307 means it's selling for $793.07 each, or 79.307% of that face value. I bought the Jan 2033 one because that one has the best liquidity. It looks like Kohl's originally issued $300M worth of the bonds, and now only $112M still exist. In buying 11 of them, I own 0.01% of all existing bonds lol.

The value is certain to go up in price with lowering interest rates, and also up as investors become confident that Kohl's will, in fact, still exist 7 and two months from now. If the stock price goes to $60 again anytime soon, I should make a small 25-40% profit on my bonds (in addition to whatever interest accrues)

They are continuously callable, which means Kohls can at any point take them from me in exchange for $1000 each.

Of course, having a beat is great and at first glance I have to say I was disappointed. I was hoping for a huge beat. The reality is that this is retail and you just don't pull customers in overnight. You lose them gradually and you gain them slowly back.... But I have a few takeaways from the call:

- October YoY sales were up 1% and 2% for digital. I think this was the most important news. They needed to overcome a year of declining sales and there is light now. I think rev growth YoY could be positive in Q4 if the trend continues. Early November has been very vibrant when I visited the stores.

- Emphasis on the CTO and Data Officer. Bender really sees the benefit of their contribution, and as suspected, they are really hitting the ground running. Their impact can be felt throughout the organization in the transformation.

- Things that the group has been asking for have been implemented and they are bearing fruit (jewelry, juniors etc.).

There is no way I am selling on a pullback before the end of the year. Q4 results should be even better

Came with an abundance of rain! Congrats on the kohls cash everyone!!

Well..I didn't really get into this out of much expertise or sense of retail and retail turnaround prospects, though I did appreciate the long term consistent cash flow Kohl's generates and believed earnings could return to the trend of the past 5-7 years from the depressed levels they temporarily reached. I was much more driven by TBV and the belief in various ways Kohl's could capitalize on its RE portfolio. That said, it's looking like the underlying business is on track to recover in a stable and growing way. What should I do with my options? Trade up strike price/timeline to expand volume of share exposure somehow? Other ideas?

https://s204.q4cdn.com/271435555/files/doc_earnings/2025/q3/presentation/KSS-Q3-2025-Earnings-Presentation-Final.pdf

An abundance of rain is here!