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  • After The Market Crisis: Does Diversification Still Work? [View article]
    Um guys...

    Russ doesn't read these comments. Articles like these are nothing more than advertisements masquerading as investing articles.

    A few short paragraphs make it seem like substance but the idea here: Somehow get you over to the Blackrock site so you will be convince to write them a check. Gotta keep these guys driving their Maserati's you know.

    Clearly SA has some sort of relationship with these companies. Invesco is another company that is allowed to do the same thing here on SA and waste valuable space.
    May 1, 2015. 09:58 PM | 2 Likes Like |Link to Comment
  • Millions Of Millennials And Retirees Can't Answer 3 Basic Financial Questions: How About You? [View article]
    George:
    Seriously? Come on now. I am sure if you took a survey of every individual investor out there diversification to the the majority of investors does NOT mean a 20 stock portfolio. It means something along the lines of the S &P 500.

    My portfolio is a 20 security portfolio because I know what I am doing and I know my investor mindset. To me it is very concentrated yet diversified.

    You can't compare that to the original question regarding a mutual fund unless that fund was say Janus 20 or some fund like that.

    Best to you.
    May 1, 2015. 03:45 PM | Likes Like |Link to Comment
  • The All-Defensive Team: 20 Safe Dividend Stocks For An Uncertain Market (Part 1) [View article]
    I can assure everyone:
    When this market finally decides that it is time for a bear market this is not going to be your garden variety bear market.
    The market has been artificially inflated for years now. There really are no "safe" or "defensive" sectors. That is just "Wall St." talk.

    Years ago I read "When Genius Failed" by Roger Lowenstein. Great book about the rise and fall of Long Term Capital management 1994-1998.

    I suggest to anyone to has not read it to do so. Unless you truly are a long term, cast iron stomach investor I can assure you nothing will be safe when the time comes. Nothing. Most Americans will do what they do best: sell at or near the eventual bottom.

    Correlations can and do go to 1.
    May 1, 2015. 12:37 PM | 6 Likes Like |Link to Comment
  • Millions Of Millennials And Retirees Can't Answer 3 Basic Financial Questions: How About You? [View article]
    Correct answers to questions:

    (1) Do you think that the following statement is true or false? Buying a single company stock usually provides a safer return than a stock mutual fund.

    Absolutely...IF you are willing to take the time to learn about investing, how companies work and understand their finances. Plus you need to be able to understand the scam that is Wall St. Understand that revenue is the FIRST thing you look for when a company reports earnings. Ignore the bogus EPS "media" number. That number exists only for media hype and in the case of the mega caps is so massaged and manipulated you probably really can't figure it out anyway. The optimal portfolio size is 20 securities and if done right you will not only greatly outperform mutual funds over the long term, you will not feed the asset gatherers who exist only for you to fund their Maserati payments.

    (2) Suppose you had $100 in a savings account and the interest rate was 2% per year. After 5 years, how much do you think you would have in the account if you left the money to grow: More than $102, exactly $102, or less than $102?

    I know what the answer is but (depending on your age) if you are saving money in a savings account to begin with you need to have your head examined.

    (3) Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. After 1 year, would you be able to buy more than, exactly the same as, or less than today with the money in this account?

    Hmm let see. I won't bother. See answers 1 & 2
    May 1, 2015. 11:51 AM | 3 Likes Like |Link to Comment
  • LinkedIn beats estimates, but provides soft guidance; shares plunge [View news story]
    Another one whose market cap is over 11x it's yearly revenue.

    See you at no more than 3x by the time the next bear market is over.

    No one learns.
    Apr 30, 2015. 08:56 PM | 5 Likes Like |Link to Comment
  • Exxon Mobil beats by $0.35, beats on revenue [View news story]
    Revenue drops over 35% from the previous year. That is 35% less money coming in the door than the year before.
    That is not a "beat".

    Oh sure it "beat" what the experts that work on Wall St. claim were their estimates. You know the media headline estimates.

    EPS fell almost 50% from the same quarter last year but again...that is a "beat".
    I'm sure the cool $Billion they spent on the quarter's buybacks added plenty of pennies that EPS to hide the weak quarter.

    I just get a kick out of how Wall St. and the media have so many people brainwashed where "bad is good". $XOM is a great company, will get through the oil price wars without much problem but it fun watching this as if I am watching Zoolander and the brainwashing that goes on.
    Apr 30, 2015. 08:44 AM | 14 Likes Like |Link to Comment
  • Apple Watch: What Did Apple Just Roll Out Here? [View article]
    "Since it's the Little People who pay taxes, and not you evidently"

    Not sure how you arrived at that assumption Leona, since I did not indicate that is the case.

    Since you are asking silly questions may I suggest you educate yourself on the tax code. My contributions to others less fortunate than I are my business and as a matter of fact I take little if nothing from the good people of the USA.
    Apr 29, 2015. 03:39 PM | 1 Like Like |Link to Comment
  • Apple Watch: What Did Apple Just Roll Out Here? [View article]
    "No, it's his timex, the wife's BMW. Now you tell me who's doing better."

    There you go Gary's got it!
    Apr 29, 2015. 02:48 PM | 5 Likes Like |Link to Comment
  • Apple Watch: What Did Apple Just Roll Out Here? [View article]
    "A Timex and a BMW--what a mix ??? All that talk about affordability and you don't drive a Ford ?? Dont get it."

    I know right?

    BMW is a business car. Tax write off. My wife says its fun to drive and has a lot more power than the Volkswagen Passat she used to drive.

    My point: Some of us know what's what.

    We know what we have.
    What we can truly afford.
    We know what a real asset is.
    We also know what depreciating pieces of junk are.
    We know the difference between an "owner" and "serf". (The new normal in the USA)

    We have nothing to prove to anyone and we don't pretend to be anything we are not. (Unlike the majority of Americans)
    Apr 29, 2015. 02:43 PM | 5 Likes Like |Link to Comment
  • Apple Watch: What Did Apple Just Roll Out Here? [View article]
    Congrats and best of luck with the watch.

    I'll stick with my Timex.
    I'll let the 90% of all American's with essentially zero net worth buy the Apple watch they can't afford in the first place with the money they don't have. Give 'em something else to look out instead of their phones pretending they are important, while they are out to dinner.

    With regard to the other comments.
    The BMW does attract the chicks.
    We drive a BMW, but it's my wife's car so I guess I'm in trouble.

    Best to all.
    Apr 29, 2015. 02:32 PM | 6 Likes Like |Link to Comment
  • Twitter officially reports earnings, cuts guidance; shares -18.2% [View news story]
    "just curious, what is AMZN market cap X it's yearly rev?"

    $AMZN market cap is x2.26 yearly revenue.
    Anything else?
    Apr 29, 2015. 08:10 AM | 1 Like Like |Link to Comment
  • Twitter officially reports earnings, cuts guidance; shares -18.2% [View news story]
    $TWTR market cap is something like 27x it's yearly revenue.

    One thing I have learned: Stocks who's market caps are 4 or more times their yearly revenue eventually fall back to earth.

    I guess they needed a few more tweets about Bruce Jenner.
    Apr 28, 2015. 04:41 PM | 6 Likes Like |Link to Comment
  • Preparing For The Next Market Collapse [View article]
    Chris:
    Thanks for the timely article. (Though it is difficult to know when sentiment will change).

    I think one other issue with the general public and market collapse is: They essentially all own all the exact same stocks.
    Wall St. and the media have done a masterful job of convincing Americans that the only stocks one should own are either (or a combination of):

    Stocks that:
    Have paid dividends for more than 20 years in a row.
    Have raised their dividends for 15 years in a row.
    Are rated AA or AAA.
    Are based in the USA but...
    Are globally diversified.
    Etc. Etc.

    Which means if you were to list the portfolios of 95% of all Americans invested in stocks, that list would essentially read as if you were starting with the S&P's largest company by market cap and go down the list of the first 100 stocks. Of course according to those who's Grandma bought company ABC back in 1935 and is now worth 7 figures, past performance absolutely guarantees future results so there is nothing to worry about anyway.

    The only problem with that:
    We know (and has been studied over and over) that 75% of all investors end up investing based on emotion no matter how many times they say they would never sell stocks when we are in the middle of a multi-year bull market. The true investor/ dividend investor with a real non emotional investing mindset can stomach 30,40,50% paper losses and keep reinvesting for the future while most so called "investors" will do what they do best: sell at the bottom.

    I would say most people really have no idea how Wall St. works and how they want people investing in all the exact same US stocks for both liquidity reasons and their own inventory control.

    Based on the current liquidity fueled bull market it seems to me we could be headed for a similar 1998 market scare where there will be no place to hide. Though the fall of 1998 could be considered more of an "incident" we could be headed for a correlation = 1. The type of bear market where you will not be safe owning anything other than cash in a mattress.

    But, who knows?

    Belated congratulations on the launch of your service.
    Apr 27, 2015. 12:19 PM | 6 Likes Like |Link to Comment
  • ETN Showdown: Is MORL Overvalued? [View article]
    "Keep in mind that "Cramer" is 99% entertainment and 1% value. ;-)"

    So true GG but your numbers are a bit off.
    Cramer is 99.9% entertainment and .1% value.

    PS: Long $MORL $CEFL $BDCL as part of my High yield strategic income portfolio.
    Apr 25, 2015. 09:13 PM | 8 Likes Like |Link to Comment
  • Dave Ramsey's 12% Return Strategy Is Replicable [View article]
    Dave Ramsey is also an excellent salesman........
    Apr 25, 2015. 09:59 AM | 4 Likes Like |Link to Comment
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