jswede

Total Rating:
+2 / -3

156 Comments

    • Thu Jun 5th 15:30 PM | Rating: 0 0
      Commented on:
      Calling a Housing Bottom
      I've been saying for the past year that the 20% down payment is back, and that in itself will drag this thing out another 2-3yrs. Americans, ahem, can't afford 20% down - not even close. They need a little time to save up for that.

      In 2-3yrs, those savings will meet price corrections of another 20-25% from here, and then we'll bottom, then continue to appreciate in housing... at about the rate of inflation.... like the previous 100yrs leading up to this bubble.
      View article »
    • Wed Jun 4th 17:19 PM | Rating: 0 0
      Commented on:
      Are High Expectations Apple's Biggest Challenge?
      nothing about me.com?
      View article »
    • Thu May 29th 10:35 AM | Rating: 0 0
      Commented on:
      Is it Better to Remain a Renter or Buy a House?
      Yes, amortization, I know... it's not a new concept. you don't seem to understand it though: your idea is pay more interest in order to "save" more... ?

      that's like going to the store and buying a bunch of stuff you don't need because it's on sale and then telling friends how much you "saved".

      (FWIW, my comment was specific to this example - ie a ~$320k loan -- the deduction is important in more expensive homes, but it's not in itself a reason to get a larger loan...)
      View article »
    • Thu May 29th 09:49 AM | Rating: 0 0
      Commented on:
      Is it Better to Remain a Renter or Buy a House?
      Everyday Finance: as far as I can tell, the above example buys using CASH, so there would be no interest paid, therefore no deduction - excuse me: "nifty tax writeoff".

      Further, for someone buying a $400k house with a loan, likely paying 20% down, the interest paid per year on the $320k loaned does not exceed the standard deduction - given to ALL taxpayers, even renters - by much at all.
      View article »
    • Tue May 27th 12:56 PM | Rating: 0 0
      Commented on:
      A Corporate Bond Strategy Worth Considering
      seems to me, Chungst, that the advice is to NOT BUY at current spreads... that's not trade generating advice as far as I can tell.

      (as far as "buying protection", that would be done in the CDS market, and this piece is certainly not targeting anyone involved there.)
      View article »
    • Tue May 13th 16:14 PM | Rating: 0 0
      Commented on:
      A Look at Satellite Radio Earnings, Subscribers
      "P.S. jswede, dont you think if the satellite industry thought that internet in cars was even remotely close to being a reallity they would have said screw this, putting these expensive satellites into space we will just wait. "

      you'd hope so, right? anyway, I'm just bouncing ideas -- I apprec the discussion and retorts. best to all
      View article »
    • Tue May 13th 14:46 PM | Rating: 0 0
      Commented on:
      A Look at Satellite Radio Earnings, Subscribers
      "The only way you are going to get anything like you are talking about in a car, without have it being a broken signal is via satellite."

      Use a slight buffer. problem solved.

      "What jswede does not seem to understand is that statement not only has to deal with what is on but how much of it you get of it."

      I don't - pls explain.

      "...if the RIAA was able to raise rates to what they wanted, that would make it impossable for them to stay in bussiness."

      again, once the internet is in the car, why not use the same subscription model over the internet? and with next to no barrier to entry as far as infrastructure, you think there'll be some competition?...
      View article »
    • Tue May 13th 14:00 PM | Rating: 0 0
      Commented on:
      A Look at Satellite Radio Earnings, Subscribers
      "Is the arguement the internet will be accessible via car?"

      yes. it doesn't take all too much imagination. passengers will have PCs built into the car in no time. It's just a logical step forward from video screens in the headrest. you'll be downloading movies for your kids in the back, updating weather and traffic, googling whatever you may need to know when pulling into a town (or to settle a trivia bet), sending car performance data to your shop, and (if the RIAA is going to "win"), then instead of getting internet radio they may object to, you'll get user created content of all sorts (ie YouTube etc and future YouTube type platforms).

      Point is, RIAA and commercials isn't going to stand in the way from the internet becoming a major part of cars in the near future. If the RIAA is going to create a fuss, then it'll be subscription services like the new Zune thing or whatever....

      I think the satellite model is going to - at best - be working side-by-side with internet in the car in the very near future. Then all of a sudden the satellite infrastructure is worthless and wide open to competition.
      View article »
    • Tue May 13th 12:32 PM | Rating: 0 0
      Commented on:
      A Look at Satellite Radio Earnings, Subscribers
      3G and 4G, internet radio will be available to anyone at any place at any time. I see this as the death of sat radio - and soon.

      Last time I posted this I was dismessed by "content is, and always will be, king" --- well what content is this? For every type of music channel on SR, there's 100 on internet radio. As far as sports, I can always get the local feed so I don't need the "exclusive satellite radio home" of whatever league. As far as specific topic talk shows etc, they are (will) also all be on internet radio. moreso all the time. I guess I won't get Howard Stern - luckily I grew out of that.

      Tell me what I'm missing.
      View article »
    • Thu May 8th 16:01 PM | Rating: 0 0
      Commented on:
      CNBC: Sue Herrera Tells It Like It Is
      these days CNBC is run like something in between a tame weekday morning shock-jock radio program and the View...

      We keep Bloomberg on these days.
      View article »
    • Thu May 8th 11:44 AM | Rating: 0 0
      Commented on:
      Sirius/XM Competition Benefits Consumers
      Satellite radio is done.

      4G will allow for internet radio anywhere anytime.
      View article »
    • Fri May 2nd 09:30 AM | Rating: 0 0
      Commented on:
      Gold as an Investment? Think Again
      "Don't be fooled by nominal stock market returns."

      ding ding ding!!!
      View article »
    • Thu May 1st 12:03 PM | Rating: 0 0
      Commented on:
      The Impending Mortgage Crisis: Part Two
      We have a LONG way to go yet in home price declines, due to a plethora of reasons, but foremost is this:

      the 20% downpayment is BACK.

      ...and Americans can't afford it. not even close.

      We'll continue down slowly and and steadily until Americans' savings meet affordable 20% downpayments. I'd say approx. another 3yrs and 30%...

      after that, home prices will continue to increase at about the rate of inflation, like they did the 100 years before 2000.
      View article »
    • Fri Apr 25th 11:59 AM | Rating: 0 0
      Commented on:
      Apple Earnings: The World Is Going Macintosh
      this guy knows less about finance than just about anyone I've ever read - (backtrack some of his articles in case you want to have a laugh, or waste some time). Luckily gathering some simple data and quoting some analysts falls well within his grasp - and the case for Mac marketshare growing is indisputable.
      View article »
    • Thu Apr 24th 12:44 PM | Rating: 0 0
      Commented on:
      Investing's Holy Grail: More Return, Less Risk
      Reminds me of John Dorfman's Robot Portfolio:

      1) In Jan, buy the 10 lowest P/E (perhaps subs. lowest P/FCF here) US companies with >$500mm mrkt cap, pos earnings, equity-debt > 0.

      2) Forget about them.

      3) Revisit in 1yr.

      Though the Robot Portfolio trailed the S&P by 3% in 2007, it beat it the previous 7yrs it was run --to the tune of 34% annual return, vs the S&Ps 4.6%.
      View article »
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