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Andrew Horowitz  

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  • U.S. Credit Card Industry Moving into Uncharted Territory [View article]
    Smart. But the data is a bit old. None the less, it is still a wonder how it has taken Moody's so long to figure this out. There is much hope resting on the side of the bulls. But anyone who has been to a rodeo know what follow the bull.... clowns and crap.

    See more on credit issues and hear on The Disciplined Investor Podcast


    May 21, 2008. 12:57 PM | Likes Like |Link to Comment
  • Capital One: Outlook Not As Rosy As Analyst Describes [View article]
    Hello??? Thank goodness for GOOG today.. would have been a train wreck... there is always Monday I suppose.
    Apr 18, 2008. 06:28 PM | Likes Like |Link to Comment
  • Capital One: Outlook Not As Rosy As Analyst Describes [View article]
    Credit Card Guy:

    You are kidding me right? Does anyone get the fact that write-offs are bad? B A D ..BAD! Lower cost of borrowing goes for all, that means COF also makes less. In fact, they are giving it away with 0% deals... Somehow the whole thing stinks. Who knows maybe they will come out with earnings, tel that they are going to lose everything and the market will push shares up $20... Crazy market.
    Apr 16, 2008. 12:44 AM | Likes Like |Link to Comment
  • Thursday Outlook: Making Sense of It All [View article]
    Discipline! That is the ticket.... Say it and play it! Disciplined Investing.. Good job...


    Apr 3, 2008. 09:01 AM | Likes Like |Link to Comment
  • Double Whammy: Bank Card Companies May Be Next [View article]
    Hello and thanks for the comments and input. If you notice, I said that MA and V aside as I am well aware there is little or no credit risk. This article is squarely focusing on Capital One.

    While there may be other companies mentioned, that is the ONLY one in focus.

    I discussed on recent podcast as well: www.thedisciplinedinve.../

    So, with that cleared up... does it make more sense?

    Mar 24, 2008. 11:45 PM | Likes Like |Link to Comment
  • American Axle Strike: Unions Continue to Kill U.S. Manufacturing [View article]

    Let's just get this straight, once and for all. I help hard working people, like you and me, plan for their future. Things important to my clients like legacy planning and retirement. I admit, while I may not worry about the fax machine killing me, I have worked in factories, kitchens and other places that you seem to feel are considered "honest labor". I am not sure why you believe that you are better than me....I have a family, concerns, fears, hopes and I put my pants on one leg at a time as you do.

    I could go on about all of the sad and tear-jerking past and I am sure that it would bring out sympathy, but I try to be the best I can be every day, without blaming the "man" for my problems. I will work for a solution for myself and for my clients. Harry was bad, okay. But you my friend need to get past that so that you can reach your goals. Stop using the past as a crutch, a story that you hold on to dearly so that you can make excuses for your shortcomings. I had the same opportunities that you did. I am no smarter or better than you. If you do not like the management, get out! Make it on your own, buld something on your own. Stop standing behind the union when things do not go your way.

    You see drkirk, I do not have a union to protect me. If I do not do a good job, I am done. I need to put my clients ahead of mine, be competitively priced and perform. If not, they will go elsewhere. I cannot tell them that if they do not pay me more, give me a rtetierment plan that I will hold their portfolio hostage. I cannot stop them from leaving by threatening them with financial harm. I will not demand a rate increase because I deserve it. I need to perform, perform, perform.


    Good thing that you do not sterotype. I already told you how to get one thing free, that was earlier today and you were a no show. So here is a second chance..... send $19.95 for the shipping and handling (union workers in the warehouse) and I will send you a free book - autographed of course...

    One more thing... Why are you once again entitled to a free anything from me? You already get free advice (whether it is good or bad) from me right here on SA. Do I owe you something? Isn't it fair that if I work and you utilize my product that you pay me? Or are you the only one that should be paid for your hard work?

    Would you gratuitously do something for me? No, as you said above, you are not giving me anything. I just do not understand your logic. But I do think this: You may be your worst enemy. Your beliefs keep you down. I am sorry for that and if I can give you something, i wish I could give you the permission to let go of all of the past that stops you from standing on your own. You do not need the union, go start a business and stand on your own. Take on a few employees as you grow, get a nice benefit package for the,, work hard and you can have all the things that you want.

    Well, you may not have a good health care plan ( I have to pay $1200 per month for my family and for my employees too) But you will have a 1 week a year vacation ( though you will not get paid for it) and don't forget that you will have an unlimited liability for the business. Just for good measure, throw in a pension pan that you get to put in money for yourself for retirement (but, depending on how many employees you have, you may end up putting in more for them). Work as much as you want (there is no overtime). have a nice big office ($30-40 per square foot) and you are on autopilot as the employees will take care of everything as you kick up your feet.

    But what the heck do I know anyway. I am a dreamer ... Anyway I can help, just ask..
    Mar 21, 2008. 03:13 AM | Likes Like |Link to Comment
  • The Coming Crash of 2008: A Result of Overleveraging [View article]
    If you would like to hear from HARRY DENT about this, he was on with David Gaffen (Wall Street Journal) this week's - The Disciplined Investor Podcast - they tells an amazing story..

    Mar 20, 2008. 08:46 AM | Likes Like |Link to Comment
  • Fannie and Freddie Breathe Easy: Capital Rule Relaxed [View article]
    They were thrown under the bus!

    Mar 20, 2008. 08:44 AM | Likes Like |Link to Comment
  • Crocs Appears Well Positioned, Stock Is Cheap - Baird [View article]
    WOW. It has been a ride. I have been screaming about this stock for 6 months. First WAY over value, now the opposite

    Mar 20, 2008. 08:43 AM | Likes Like |Link to Comment
  • Time To Go Long The Dollar? [View article]
    Good idea. We have been adding to UUP for the last 4 weeks a it seems to be well positioned.

    See more at The Disciplined Investor
    Mar 20, 2008. 08:41 AM | Likes Like |Link to Comment
  • Sigh of Relief on Lehman, Goldman Earnings [View article]

    Will continue to update at
    Mar 20, 2008. 08:40 AM | Likes Like |Link to Comment
  • Warning Signs of a Modern Depression: See 1990 Japan [View article]
    If you really want a taste what is coming, listen to Harry Dent from 3/18
    Mar 19, 2008. 07:13 AM | Likes Like |Link to Comment
  • Warning Signs of a Modern Depression: See 1990 Japan [View article]
    Have you looked closely at Harry Dent's work on demographic economics? I will have an interview with him up tonight on site....

    Mar 17, 2008. 05:05 PM | Likes Like |Link to Comment
  • Financial Stocks Trading Near Book Value [View article]

    Book value ratios are based on the value of the book. We are not sure how to value Bear's book/assets. More risk there.

    By the way, why is there no disclosure of holdings included. You have written a few bullish posts on BSC. Position???
    Mar 14, 2008. 08:53 AM | Likes Like |Link to Comment
  • American Axle Strike: Unions Continue to Kill U.S. Manufacturing [View article]
    It is amazing..Simply amazing...DrKirk.. If you could not find anything about me or my company, which is hard to believe as any simple search will give you plenty of info, why do you write about my business practices? You are really showing a great deal of ignorance.

    We do not use load funds when we invest, not do we use B shares. If you would have read my book, you would know that.. But I suppose it is easier for you to point a finger than to stop and ask.

    You are one of the kind or gents that feels that nothing is fair. Everyone else has more and they do it by cheating. Do I have that right?

    Do us all a favor. Make your point, keep away from the personal attacks and inferences and bring us some new data. Nothing you said has any substance, just venom.

    I am just as concerned about the situation here with labor, but it is about the excess.. By ALL INVOLVED. AND if you fail to see that, you are no better than the management or the unions. Jobs are leaving our soil, strikes will not help that. Companies are closing. Unions are not going to help that. Greed and your very distasteful remarks will not stop it either.

    Please DO NOT BUY MY BOOK, READ IT or LISTEN TO THE AUDIOBOOK. I would not want facts to get in the way of your view of the world.

    Also, please do not worry about anything, the blaming should solve it all. Well done, you should be very proud!

    Want a to talk more? Here is your chance: www.thedisciplinedinve.../


    Mar 13, 2008. 11:07 PM | Likes Like |Link to Comment