Comments on Ed Kim's articles RSS Syndication from SeekingAlpha.com http://seekingalpha.com/author/ed-kim/articles http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-404043 404043 Indian Stock Market Now in the coming Month of March'09 which is also the year's closing period,also the important Policies would might be declared around the world will be deciding the movement of Indian Stock Market Happy Trading a Head Queries are welcomed 09871142419 09212663485 Knowyourprofit@gmail.com KnowYourProfit]]> Thu, 26 Feb 2009 04:48:46 -0500

Now as such we had seen in the month of Feb'09 that volitality was very much there considering the various factors deciding the movement of the Indian Stock Market

Now in the coming Month of March'09 which is also the year's closing period,also the important Policies would might be declared around the world will be deciding the movement of Indian Stock Market


Happy Trading a Head


Queries are welcomed

09871142419
09212663485


Knowyourprofit@gmail.com


]]> http://seekingalpha.com/article/67568-in-which-direction-is-the-price-of-oil-headed?source=feed#comment-322333 322333 Sat, 06 Dec 2008 05:58:40 -0500 http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-311446 311446 ShareGyan ]]> Fri, 21 Nov 2008 04:08:54 -0500 Stock market is a volatile market. Investors are afraid of entering Indian stock market due to such volatile conditions. FII are the one who are selling
shares like anything. Now we can see some relief rally in the market but still recession can curb the movement of the stock market. In these sort of market investors and
traders are confused like which stock they should select that is stock selection is the major issue now.

Have any doubt lets discuss it and help everyone

Happy Trading,

Sha...



]]> http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-163145 163145 Wed, 07 May 2008 02:06:49 -0400
I'm buying this stock until the pe- hits 1000 to 1- call me crazy (everyone does anyway) but unless a meteor hits la or ny - v can't lose.........]]> http://seekingalpha.com/article/72463-the-impact-of-the-beijing-olympics-on-commodities-prices?source=feed#comment-154493 154493 Tue, 22 Apr 2008 02:28:39 -0400
Even if demand did fall by 942,000 tons, and it led to a direct reduction of import volume, it will be more than offset by reduced coal export volume this year. Last year, China exported 53.17 million tons of coal, compared with imports of 51.02 million tons. However, due to growing concerns over the possibility of domestic shortages, the government slashed coal export quotas by 24% in March to safeguard domestic supplies, which will tighten spot markets in Asia and support price growth.

The real story is the potential for China to put upward pressure on coal prices both by reducing exports and the possibility it could become a net coal importer as early as this year. High international prices caused imports to fall 18.2% year-on-year in the first two months to only 7 million tons, but if the decline is projected out over the rest of the year, it would make China a small net coal importer this year.

Other factors, like the potential for a domestic coal production surplus, and the impact of slowing economic growth could still affect import growth. However, China will put upward pressure on coal prices this year, Olympics or no.

Finally, your power generation figure, which went from 25.6 mWh to "25.6 BILLION mWh" is still completely off. Given the fact that China's total power output last year was 3.26 billion megawatt hours, you might want to take another stab at it.]]> http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-153479 153479 Sat, 19 Apr 2008 17:08:04 -0400 http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-152694 152694 Fri, 18 Apr 2008 03:09:21 -0400
It is so amazing that in this country we would bail out people that took on loans they knew they could not re-pay. Stunning. ]]> http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-152659 152659 Fri, 18 Apr 2008 00:43:12 -0400
This is described in War Cycles, Peace Cycles.

No complete wipe out. Unless the property was trashed by the original buyer, I guess.

The problem with our usury banking system is that the money supply has to be continually expanding otherwise interest payments would quickly cannabilize and gobble up the money supply and put it in the hands of the lenders. The flow of money would congeal.


No tree grows to the sky, no republic lasts forever, and this current Fed Bank post 1913 artificial money bubble, despite occasional deflations, has kept on growing and growing. But it can't go on for ever. The Fed and the powers behind it are playing God, ignoring the Biblical year of jubilee that is periodically required.

Clearly our culture, especially our media and business reporters and editors, look to The Fed to bestow blessings and favor and growth, and then shriek out in fear when god Fed begins running up interest rates like a vengeful tribal God, as Greenspan and Bernanke did.


But these are only pushy, tribal men. Clearly not gods, much less the deity we dare not speak of.


]]> http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-152507 152507 Thu, 17 Apr 2008 18:17:01 -0400 I’d like to add something:
Neither the Feds, Congress nor Treasury wants to go down as the 21st Century equivalent of Herbert Hoover, so they broken old rules, norms, and traditions regarding Bears Stearns and the investment houses. Expect more of the same as they grapple/fumble for a real fix to the larger credit crisis of which the sub-prime and unfolding Alt-A problems are only a sub-set. The crisis extends to HELOCs, student loans, commercial loans and soon, consumer credit cards. It’s impacting each slightly different.
Fortunately, neither Treasury nor the Feds have claimed victory. I’m in the group that feels all they’ve done is allowed the crisis to unfold more slowly.
Uses of frightening words like “financial system meltdown” are paralyzing some people. Many experience practitioners of modern “high finance” have admitted in other blogs that the global finance system is unwinding (or deleveraging) and it’s so far unstoppable.

Rather than focus on paralyzing words like “meltdown”, I hope the Feds and high finance players are evaluating scenarios that entail recognizing the inevitable: the completion of the de-leveraging process which force massive write-downs of debt and the value of any underlying collateral, be it homes, strip malls, student undergraduate degrees, autos, office complexes or entire municipal infrastructures (e.g. sewage systems).

This seems destined to occur in the midst of a recession. On-going de-leveraging scenarios should include “L”-shaped recessions of significant lengths (think 1973-75). This opens the door for deleveraging to impact careers and occupations that were sustained by excessively leveraged firms and markets (Wall Street, homebuilding, trophy skyscrapers, Hollywood filmmaking, boutique hotels and mega-trendy restaurants, over-priced undergrad education programs, etc.
In all scenarios, the underlying hard assets (defined as anything that if kicked, will cause the kicker some toe pain) will still exists; it simply has a new valuation.
Yes, it will be ugly and psychologically painful, but the assets will still exist…most likely with new owners who paid a lot less for them. There will still be Visa, MasterCard, Toyota, banks, malls, universities, Google, sewers, farms, food and houses and apartments. Some or all with new valuations and new owners.
What’s not guaranteed is that all lessons will be learned and society will be wiser as a whole.
]]> http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-152472 152472 Thu, 17 Apr 2008 16:54:35 -0400
There are a number of pressure points at work in the residential real estate business, all of which are suffering stress right now.

1. Mortgage lenders have tightened up qualification standards, requiring documented income, documented assets, documented liquidity, and good credit.

2. Home inventory is at an all-time high for modern times, creating a buyers' market. Trouble is, #1 has vastly shrunk the potential pool of buyers.

3. Household incomes nationwide are flat to declining in many areas, preventing people from qualifying for mortgages with the new stricter criteria.

4. In many areas, the median income family cannot afford the median priced home. A sign that prices remain too high to rebalance the market.

5. The securities market for MBSs has shown no signs of revival, making it nearly impossible to package and sell mortgage pools.

Any one of these factors would crimp the housing industry. Wtih all of them at work simultaneously, it's no wonder there's still 'fear and trepidation' in the housing market.

Until all of them are solved, the problems will persist. But it will take many years to work through inadequately capitalized lenders, dropping home prices until middle-income families can afford them, and healing the credit markets.]]> http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-152384 152384 Thu, 17 Apr 2008 14:37:52 -0400 http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-152275 152275 Thu, 17 Apr 2008 12:04:13 -0400 ]]> http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-152261 152261 Thu, 17 Apr 2008 11:46:05 -0400
I sure hope the author is wrong about the drop in print ads... Last year, Sacramento, CA was running almost two full pages. Now it's about two columns! My zipcode was running two columns and now lists about 6 sales.... Ha!

As much as I would like to see support for homeowners, and as much as I dislike Bush on almost all fronts (I have been a registered GOP since I turned 18, but as of the last election, I am a registered Dem...And it would take an act of God to make me go back.) I do see the point of bailing out the financials. We really never want to se a run on the banks! If you think we have problems now, imagine what the landscape would look like with a failed banking system. And, although it is true that the actions to date do not 'seem' to be making any difference, again, I ask you to consider what the landscape would look like without these efforts. Scenes from 'Apocalypse Now' come to mind. The carnage would not be limited to banks and real estate firms, it would cut a swath through our economy that would rival 'Sherman's March through the South'. Paulson and Bernanke are doing what they can.. Be thankful!

Thx jegan ;-) ]]> http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-152205 152205 Thu, 17 Apr 2008 10:52:36 -0400
The Foreclosure Prevention Act embraced by Democrats would allow judges to ease the terms of mortgage loans during bankruptcy proceedings.

Now, I know, some will say "gee they took the chance, let them get their lumps......" Two problems with this:

1. If the numbers being bandied about regarding the number of families in financial trouble are correct, letting them be put out on the street will only prolong the impact of this mess.

2. bush and his cronies appear to only support the bailout of big business (aka Bear Stearns). With the white house telling the rank and file gop to push through their attempted legislation that only helps home builders rather than the vox populi , (to whom effectively they say "screw you"), we will only continue to see the markets (housing and financial) to spiral downward. ]]> http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-152173 152173 Thu, 17 Apr 2008 10:11:32 -0400
Take over my mortgage doesn't work, we don't have takeover loans anymore, there are due on sale clauses on all loans.

I sell REO's and until those stop or slows down to where inventory is being reduced, we will not see an end to this crisis. When an REO comes on the market it is usually priced lower than the previous one that came on the market in order to get it sold. This is why we are getting the downward spirial and this is why this mess is going beyond the sub-prime and into the alt-A loans and the prime loans. Houses are not worth the mortgage people are paying and they are walking away. This will continue until something is done to stop the foreclosures.

The powers that be don't get it. They are so worried about "moral hazard" the buzz word of the free market and trickle down group...that they can't see the forest for the trees. It is common sense not economic jiberish. ]]> http://seekingalpha.com/article/72463-the-impact-of-the-beijing-olympics-on-commodities-prices?source=feed#comment-151985 151985 Wed, 16 Apr 2008 22:25:32 -0400
Very interesting article. Re-reading it for the third time.

Thx jegan ;-) ]]> http://seekingalpha.com/article/72463-the-impact-of-the-beijing-olympics-on-commodities-prices?source=feed#comment-151935 151935 Wed, 16 Apr 2008 19:57:02 -0400 Thank you Mr Petti for your disclosure! You are a great American]]> http://seekingalpha.com/article/72534-what-s-ahead-for-real-estate-doing-the-math?source=feed#comment-151784 151784 "Once you start seeing more of “take over my mortgage and the house is yours” type of advertisement, then we have hit bottom." Wrong. Once the vast majority of negatively amortizing Option-ARMs have reached their maximum LTV ceiling (we're still a good year or two away) AND most hybrid/ARM teaser rates have reset (Credit Suisse indicates about 2011), THEN we will be *close* to the market bottom. We will *know* we are at or very near the bottom when the following is true: --A median income can buy the median priced house in most neighborhoods with CONVENTIONAL financing. --Median monthly rents-to-median price ratio is close to the 100:1 historical average. --Median HH incomes-to-median prices ratio is close to the 3:1 historical average. --Conventional wisdom --even among the permabull die-hards-- is that housing is the "worst investment ever". --Real estate investment clubs and seminars ar no longer operating, or are reduced to the few people who bought pre-bubble.]]> Wed, 16 Apr 2008 14:25:42 -0400 "Once you start seeing more of “take over my mortgage and the house is yours” type of advertisement, then we have hit bottom."

Wrong. Once the vast majority of negatively amortizing Option-ARMs have reached their maximum LTV ceiling (we're still a good year or two away) AND most hybrid/ARM teaser rates have reset (Credit Suisse indicates about 2011), THEN we will be *close* to the market bottom.

We will *know* we are at or very near the bottom when the following is true:

--A median income can buy the median priced house in most neighborhoods with CONVENTIONAL financing.
--Median monthly rents-to-median price ratio is close to the 100:1 historical average.
--Median HH incomes-to-median prices ratio is close to the 3:1 historical average.
--Conventional wisdom --even among the permabull die-hards-- is that housing is the "worst investment ever".
--Real estate investment clubs and seminars ar no longer operating, or are reduced to the few people who bought pre-bubble.]]> http://seekingalpha.com/article/72463-the-impact-of-the-beijing-olympics-on-commodities-prices?source=feed#comment-151666 151666 Wed, 16 Apr 2008 11:47:58 -0400 http://seekingalpha.com/article/72463-the-impact-of-the-beijing-olympics-on-commodities-prices?source=feed#comment-151659 151659 Wed, 16 Apr 2008 11:38:34 -0400 http://seekingalpha.com/article/72463-the-impact-of-the-beijing-olympics-on-commodities-prices?source=feed#comment-151635 151635 Wed, 16 Apr 2008 11:02:06 -0400 http://seekingalpha.com/article/72463-the-impact-of-the-beijing-olympics-on-commodities-prices?source=feed#comment-151616 151616 Wed, 16 Apr 2008 10:34:09 -0400
Thx jegan ;-) ]]> http://seekingalpha.com/article/72463-the-impact-of-the-beijing-olympics-on-commodities-prices?source=feed#comment-151497 151497 Wed, 16 Apr 2008 07:13:48 -0400
Are you sure this is only 25.6 mWh?

A kwh is a thousand watts. A mwh is a thousand kwh (or a million watts). This figure seems very low for seven units. The figure is more likely to be 2,560 mwh, though we haven't checked.

Also we can not calculate the production from the coal usage as the figures given are from imported coal, not taking into account local production. Hence, we have no way of knowing the per unit or total seven unit actual consumption.

As to the conclusion that coal prices will temporarily drop due to lower consumption therefore lowering imports, we disagree. The import contracts are set well in advance and any softness in consumption will be reflected in local production or simply added to reserves. China tends to enter large long term supply contracts and avoids the spot market as much as possible.

CrossProfit]]> http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-134813 134813 Tue, 01 Apr 2008 18:06:31 -0400
Each year, cash transaction volume shrinks. Obviously, V gets a piece of the increased electronic transactions and shareholders benefit.

The problem I have with PayPal and other similar payment companies is that they do not offer the same buyer protection that a credit card offers. People either realize this through word of mouth or from experience. Therefore, V comes out ahead in this situation as well.

Like another post said, card companies offer reward programs for using the card whereas cash or Paypal, etc does not. I rarely use cash and pay for practically everything with a card. It makes my life easier.

Visa Europe is not part of the company which means that somewhere down the line V will buy it out for a premium. This will increase V's territory.

Developing economies will use V and others within 20 years.

Barrier of entry is extremely high since all the banks currently support use of V, MA, etc (and compared to PayPal and the like).

The main risks V has are litigation, MA and the possibility that another payment form actually gains popularity somewhere down the line. The litigation will eventually go away, unlike the tobacco industry.

I personally hope the stock's price moves in line with its growth, unlike many who are short term investors just cheering the quote price and expecting an exact replication of MA's price. I wouldn't wager as to when the stock will quadruple but the company definitely has a large, if not increasing, market share of the payment processing industry which favors a growing quote price over time.]]> http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-133877 133877 Sun, 30 Mar 2008 23:37:22 -0400 http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-133540 133540 Sat, 29 Mar 2008 23:31:43 -0400 http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-133526 133526 Sat, 29 Mar 2008 22:02:30 -0400
I love this country
]]> http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-133373 133373 Sat, 29 Mar 2008 09:55:02 -0400
Jim Cramer can be an asset if you learn to filter out a lot of what he says. If you track all of Jim Cramer's recommendations, he is statistically wrong more often than he is right; he is correct only ~48.6% of the time. In addition, you should have done your homework before buying Visa if you thought it was going to increase 400% like MasterCard. Visa's IPO was being priced to match current Mastercard’s valuation taking into account its 400% increase. The $44 Visa IPO price was actually at a $5 premium over Mastercard's current valuation. The only reason the Visa stock price is so much lower is because it has more shares outstanding. Thus, the likelihood of Visa increasing 400% is roughly the same as Mastercard trading at ~$800 per share. While this is unlikely, Visa is still a good long term play, because Visa is larger than Mastercard and has a significant advantage on the US debit card market which is responsible for the most domestic growth. In addition, and more importantly, Visa is being more aggressive in both Asia and Latin America than MasterCard. When looking at the price of a stock, don't forget to look at the PEG and the possibility of beating analyst earnings estimates. Finally, Visa's stock price will go up even further as more institutions start investing in it as a non-cyclical stock. Non-cyclical stocks such as PEP, KO, and PG tend to go up before the sign of a recession not because the company performs better , but because the recession doesn't really affect the company (e.g., people still buy toothpaste) and institutions are looking for a safe place to invest.
]]> http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-133371 133371 Sat, 29 Mar 2008 09:47:09 -0400
]]> http://seekingalpha.com/article/70174-visa-mastercard-risk-ramped-up-competition?source=feed#comment-133343 133343 Sat, 29 Mar 2008 08:33:22 -0400