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flumeride

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  • Samsung S6 And iPhone 6 Successes May Be A Pain For Qualcomm [View article]
    I'm a long time QCOM believer and holder. I first bought QCOM in 1994. I am concerned at this juncture because of the loss of snapdragon designs and about their licensing revenue.

    Samsung made some bold moves with the S6 by designing out QCOM products in the processor and modem sections. It remains to be seen if Samsung's chips will perform as well as the QCOM chips. I surmise that the decision to bring the CPU and broadband in house was not based on performance. After all for broadband QCOM is the leader and has been for years. The change in parts is most likely driven by a desire to improve margins. However, the performance must be excellent to compete with the iPhone6. If problems arise then the S6 will not be successful and QCOM may emerge unscathed.
    Apr 21, 2015. 01:27 PM | 2 Likes Like |Link to Comment
  • And they're off: Telecom groups sue FCC over net neutrality [View news story]
    I'm with Energysystems on this. If you like the internet the way it is, then you don't want "net neutrality". You have to remember that is what the politicians labeled the bill however it won't be neutral.

    What will happen is the price will go up for the little guys. This tiered pricing came about in part because certain users were using 80% of the available bandwidth. When Netflix started streaming movies Netflix alone was crowding everything else out. Seriously, Netflix was something like 40-50% of the available bandwidth, but Netflix and it's user base were not paying 40-50% of the cost. By creating fast lanes for the mega users it made the heavy users pay for being the heavy users. What will happen without fast lanes is the cost of expanding bandwidth for the heavy users will be spread among all users. So the little guy will pay more and the big guys will pay less.

    However, the real reason the gov't wants to get involved is control. More control over you and me.

    Have you ever taken a look at all the charges on your phone bill? All those added fees are the work of the government, not the work of the telco's.

    I'm not in love with the telco's, but with the government involved the quality of the internet is going to go down hill.
    Apr 15, 2015. 04:44 AM | 7 Likes Like |Link to Comment
  • Apple Watch: Understanding Early Sales Data [View article]
    We can't all be as wise as you Andrew, but we are trying to learn.

    To be more serious. Actually there is data which JM has discussed. Is it complete? No. Can we glean anything from what is available? A little. That's all we are chatting about.

    There has been a lot chatter about the watch and some crazy conclusions. What JM has done is give us a grown up prospective of what is known at this time. I appreciate his article.
    Apr 13, 2015. 09:59 PM | 6 Likes Like |Link to Comment
  • Dumping Apple Makes Sense For Immediate Income Growth [View article]
    Interesting approach RS. I too am retired. However, I am not taking cash out of my IRA. For me, I want to grow my IRA and I use my other brokerage account for income. In my non IRA account I am holding AAPL and it is my largest holding due it's growth. I tried to trade AAPL but I always regretted my move because when Apple makes a move it is usually a big move. I agree the yield is minimal, but I see it growing. I see the share price growing faster. I don't think yield will break 2%, but I see the share price growing steadily over the next few years. I think we will see dividend growth of 15% for the next 5 years. Not bad.

    For higher yields I look to COP, GE, F, VZ. I have some medium yields such as PSX, QCOM, PBI. Then I hold some higher yielding instruments that issue distributions such as trusts and MLPs that have a higher level of risk. Holdings in the later category include CQP, PHT, LINE, BDJ, and WPZ.
    Apr 13, 2015. 09:54 PM | 1 Like Like |Link to Comment
  • Apple Watch: Understanding Early Sales Data [View article]
    Well written, good data. Thanks.
    Apr 13, 2015. 09:23 PM | 2 Likes Like |Link to Comment
  • Activist urges Qualcomm to consider breakup [View news story]
    Sounds like a really bad idea. Maybe it is good for short term, but not good long term plan.

    I don't believe that there is such a thing as a viable "patent-licensing" company. Qualcomm has a lot of options, and although licensing is the generates the majority of revenue for Qualcomm I see that revenue stream declining and think they have over charged for a long while and it is coming back to bite them. Look at what has just taken place in China.
    Apr 13, 2015. 05:21 AM | 6 Likes Like |Link to Comment
  • Apple: Big Opportunity To Create Value In Mobile Payments [View article]
    @ Materialist -- I went shopping at Macy's and before hand I decided to add my Macy's card to ApplePay. I found out I could not add my Macy's card. The Macy's credit card is so last century. The card does not have an expiration date or a verification code or a chip ... like the new Visa, MC, and AMEX cards. The lack of expiration date and verification code are required to add a card to passbook.

    So when I get to the cashier I tell her about that. She was in her early twenties and told me that it is true Macy's cards are not yet ApplePay ready. She has an iPhone 6 and loves ApplePay. So I made my purchase using ApplePay on a Visa card.

    My view is that this is a whole new way of accepting payments and the retailers are run by old guys that don't really understand the technology or don't wish to spend any time or money encouraging this method of payment ... at least not yet. I think when the percentage of sales hits a given percentage of total sales the top management will take a closer look. If they see fewer fraud charges via ApplePay (and this will bear true) upper management will raise an eyebrow.

    In your earlier post you stated:
    "It is clear from these and other anecdotes that the consumer is being expected to lead the charge here, which is less than ideal. If the cashier had said something encouraging instead of off putting, I might have tried it."

    I believe Apple is doing its part, but some retailers such as Macy's are not going to spend any effort to encourage this change. They are allowing ApplePay and just waiting to see what the results may be. I think it is a shame, but overall I don't see it as detrimental. ApplePay is simple and very easy to use. I don't see why anyone with half a brain and just a smidgen of tech savvy would have trouble using it. It won't be long before the advantages become clear to retailers and ApplePay will become more common place.

    I see people use ApplePay quite often, and I use it whenever possible. It is too simple, too secure not to use ... and it is kind of fun. I have a teenage daughter that works at Taco Bell and she says that customers are asking if they can use ApplePay. I do live in Silicon Valley, so that does have something to do with it, but I am confident it will spread like wild fire.

    It will be interesting to watch how Macy's will adopt to ApplePay. If and when the use of Macy's cards drop, then Macy's will get on board and upgrade their credit cards.
    Apr 11, 2015. 06:35 PM | 1 Like Like |Link to Comment
  • Apple: Big Opportunity To Create Value In Mobile Payments [View article]
    Agreed, too bad Staples is not with the program. It would seem that if a retailer accepts ApplePay that they would train the cashiers.
    Apr 7, 2015. 04:01 PM | Likes Like |Link to Comment
  • 10 high-quality S&P 500 stocks that yield 3.5% and up - Barron's [View news story]
    Flash has technical issues. It isn't reliable and requires some dancing to recover the data. For Long-term storage, hard disk and tapes are still used. However, in the laptop and desktop pc space flash drives rule.
    Apr 6, 2015. 03:47 PM | Likes Like |Link to Comment
  • 10 high-quality S&P 500 stocks that yield 3.5% and up - Barron's [View news story]
    You are correct. I meant "return on equity".
    Apr 6, 2015. 03:39 PM | Likes Like |Link to Comment
  • Apple: Big Opportunity To Create Value In Mobile Payments [View article]
    Just because they have a new terminal doesn't mean they accept ApplePay. Apple has to have an agreement with the vendor, Staples in this case.

    My first Apple Pay purchase was at Walgreens and the clerk knew all about Apple pay and even told me what to do, which isn't much. Hold the phone near the terminal. They use my finger print when prompted. You can select which card you wish to use. If you use a debt card then you still have enter the pin. If you use a credit card you will need to sign. Since I've used it where ever I can and I love it.
    Apr 6, 2015. 04:54 AM | 1 Like Like |Link to Comment
  • 10 high-quality S&P 500 stocks that yield 3.5% and up - Barron's [View news story]
    If you read the title is says "S&P 500 Stocks" Reits and MLPs technically don't trade stock shares, they trade units. I know that sounds nit picky, but both REIT and MLP distributions are taxed differently than stock dividends. REITs "trusts" and they must pass 90% of profits to the unit holders. MLPs are even more complicated because the distributions may include "return on equity". So these are different beasts than stock dividends. You receive K1's for trusts and for MLPs.

    I own several MLPs and a couple of energy trusts. I don't know of a single REIT or MLP that is included in the S&P 500.

    So that would be why they aren't included. For me, I am an income investor and that is why I own dividend bearing stocks, as well as Trusts, and MLPs.
    Apr 6, 2015. 04:44 AM | 4 Likes Like |Link to Comment
  • Apple: Big Opportunity To Create Value In Mobile Payments [View article]
    I did the same. I bought my first iPhone last month because of Apple pay. It is by far the most secure payment method today. Google wallet and the others are not the danger in tens of security and ease of use.
    Apr 1, 2015. 05:49 AM | 2 Likes Like |Link to Comment
  • Cowen survey: Android-to-iPhone defections growing [View news story]
    It's not because of the big screen so much as it is Apple Pay.

    At least it was for me. I've been through 3 Androids and I was happy with them. My last was a Note II. So I did want the larger screen, but the fact I could install Swype made the difference between platforms negligible for me. However, Apple Pay is by for the most secure and the simple payment system.
    Mar 24, 2015. 03:53 AM | 3 Likes Like |Link to Comment
  • ConocoPhillips Targets Positive Cash Flows By 2017 - Is This Reason Enough To Go Long? [View article]
    I'm long COP and have been for a long time. I think they will weather the storm and I expect oil prices to began a slow steady rebound starting late this year or early 2016. Demand for hydrocarbon products continues to grow and production is being cut back by almost all entities except the Saudi's.

    I believe now is a good time to buy. It is difficult to time the bottom and the almost 5% dividend is music to my ears. I have doubled up on my holdings during this downturn. I continue to sell naked puts to give me extra income. If the puts are assigned then I own more COP, but I set my strike price low and I'm okay if I only get a measly 1% return per month.
    Mar 20, 2015. 02:33 PM | 3 Likes Like |Link to Comment
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