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KISS_investor

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  • A Retirement Reality: Save More, Spend Less And Invest In Dividend Stocks [View article]
    I'm heading into the golden years...they are right here..

    I've saved and have 7 figures..and a 4.4% effective dividend rate...
    i've done the right things..no debt...kids college is over..

    I should feel great...

    but what the heck am i gonna do if they tax those dividends at a much higher rate?? isn't that going to crash my portfolio??

    if i am close to $55k /yr pre tax...a 5% change in tax rate has a big impact on my quality of life!

    I'm sitting here today on good gains, and decent div income...

    part of me feels like i should sell everything until the idiots that run our country decide what to do...and then when i know the facts, reinvest with knowledge of what my tax rate will be...
    Sep 23 10:26 AM | 16 Likes Like |Link to Comment
  • Another Insane Apple Advantage [View article]
    Do you think Toyota suffers because of the high resale value of their Camry's??? Of course NOT!!

    and Toyota doesnt have a cash cow ecosystem to generate revenue off cars like Apple does for its devices..

    Who knows how much of an impact high resale value has but to say its negative is just flat out silly.
    Oct 2 08:03 AM | 15 Likes Like |Link to Comment
  • A Retirement Reality: Save More, Spend Less And Invest In Dividend Stocks [View article]
    Across div names, i'm pretty diversified....tech, power utils, pharma,reits, big cyclical primarily...

    no retail, no financials at this point

    I really fear that resolution of the fiscal cliff is priced IN...we all think how insane it would be for the gov't to allow it to happen...and rather than fear it we discount it..

    It's just infuriating that those of us that worked 30 years, lived well within our means, saved well, and invested well are going to be PUNISHED for it...
    Sep 24 09:19 AM | 15 Likes Like |Link to Comment
  • Apple's iPhone 5 Chip Design Seriously Impresses - Is The Competition Asleep? [View article]
    Thank you for posting this...2x faster than 4s at a minimum based on benchmarks i've seen and game developers are chomping at the bit.

    also i had this phone on all weekend with normal casual use... and its still got some power this morning!!! my droid inc 4 barely ever could last a day!!

    if over the next months the phone is as stable as i hope (as opposed to my constantly rebooting android device), then its an even bigger winner...

    chip/os/itunes/apps/mu... devices/cloud/retail stores...

    the implications of apple's total ecosystem dominance are something for all investors to take very seriously..especially the folks calling for the end of an era...its more likely the start of an era
    Sep 24 09:28 AM | 7 Likes Like |Link to Comment
  • Apple: Important iPhone 5 Release Details We're Ignoring [View article]
    The reason I personally started to speculate more aggressively on AAPL in the last year is Tim Cook

    He is no Steve Jobs. As a shareholder, I'm ok with that.

    I felt that he would give more attention to shareholders. I felt that he would do more to maximize shareholder as the company's leader.

    AAPL is a cash flow machine, and their competitive advantage is something that we may never see again in this business. Their ability to leverage their network of customers gives them a continued and GROWING opportunity to increase cash flow.

    I don't think the assumption that Steve Jobs would have somehow invented a whole new product that overwhelms the competition is a given...certainly he was the best at what he did...

    but i like the new slow and steady aapl..

    i like the dividend
    i beleive they will finally split the stock.

    i love that they are giving away iphone3's and cheap iphone4..(welcome to the apple ecosystem!!! you'll love the iphone 6!!)

    i love that they are gonna put out a cheaper ipad for the same reason...

    no stock is perfect, but the risk reward here is excellent
    Sep 15 08:38 AM | 7 Likes Like |Link to Comment
  • Random number generation? A striking report from S&P tips off that not only did 84% of actively managed funds fail to beat their benchmarks in 2011's tricky market, but less than 50% of portfolio managers outperformed even over a five year tracking period. Even the best of the lot struggle, with only 12.2% of the large-cap funds ranked in the top quartile five years ago managing to maintain a spot in the upper 25% five years later. "There's no evidence of persistence of performance beyond what would be randomly expected," says Buckingham Asset's Larry Swedroe. [View news story]
    indexed etf's and passive products are convenient ways to diversify your investment.

    If I want exposure to "x industry" i buy etf's with exposure to that industry..not perfect, but helpful to simplify my complicated life..

    paying somebody to actively manage MY money?? no thanks..

    i spent 25 years in corporate finance and was an investor relations exec for many years... i personally dealt with these arrogant goofballs.. Of course there are some great people that are good at stock picking and industry analysis...but don't pay them...read about what they are doing, look at the filings, and do your own work.

    ..that's how to make money..
    diversification, due diligence and dividends...
    Mar 17 12:49 PM | 7 Likes Like |Link to Comment
  • Obama backs tough net neutrality rules [View news story]
    If ISP's are forced to run their business government style, look out.

    Ever hear of Amtrak? the post office?? how's your health care working out if you don't have a gold plated corporate plan??

    Ever hear of "good enough for government work?"..have you ever been in the room with a government regulator that is looking at your business (I have)..
    welcome to costs up, service down...

    you can say it can't get worse but I laugh in your face..the government makes everything worse...

    getting the government involved just adds another middleman to the equation, its just a tax on all of us.

    there is no free lunch...only a fool would believe that.
    Nov 10 01:24 PM | 6 Likes Like |Link to Comment
  • Apple: It's Panic Time [View article]
    the analysts "reflect" their clients. Very few analysts are known for purely unbiased research. There is always an angle.

    Unfortunately for longs (like me), right now the institutions are still bearish short term ..there is always time to buy after the knife stops falling.
    Jul 1 08:28 AM | 6 Likes Like |Link to Comment
  • How Apple Gave Wall Street The Middle Finger [View article]
    agree that its a good point of view
    i have said before there is alot of "kindling" around apple, we just need a match...

    the rotation out of this stock was predictable in hindsight...my view is long term but i ignored very strong sign of risk to the equity price...i was a hog and i got slaughtered...but only to the point of losing half my gain...i should have pared back my position because this level is very attractive to long term holders..

    one match for the kindling might be a stronger focus on the shares but in typical Apple fashion, it will not be obvious and they won't make it easy to predict what they are doing...if they buy stock back aggressively the rewards to shareholders could be huge..

    i played this angle with comcast a couple years ago..they were very acquisitive, very shareholder unfriendly by using their equity to acquire..but their cash flow (like apple's) was growing and sustainable..they started buying stock, focused on dividend..stopped issuing stock...couple years later its double++

    i wouldnt buy comcast at 40 but i think apple is going to have the same arc as their recent focus on dividends and buybacks starts to increase value...ANY company with strong free cash flow and a great balance sheet is investable over time..

    one more thing...did anybody notice today's announcement?? i think its a pretty big deal and i am thinking now that i'd prefer the idea that they drop products on the market rather than having their arrogant presentations every time...i think thats a refreshing thing and one more little product could get people more worried about missing the next big thing rather than dumping on them
    Jan 29 10:59 AM | 6 Likes Like |Link to Comment
  • Analysts at Facebook's (FB) lead underwriters cut their revenue estimates ahead of the IPO, reports Reuters, passing the information on to a few of their key clients. "My biggest hedge fund client told me they lowered their numbers right around mid-roadshow," says an IPO researcher. He still bought the issue, he says, but flipped it immediately and went short. Shares -3.8% premarket.  [View news story]
    I've fed at the Wall Street trough..

    So i have seen greed and blind stupidity..this facebook ipo was greed and stupidity to the power of infinity!!!

    i think my favorite moment was yesterday, when they had a panel on cnbc that among other things, discussed whether this IPO was overhyped after being the nothing but facebook channel for 2 weeks..

    to hear that underwriters goosed down the numbers last minute is not surprising but no less immoral...
    May 22 08:42 AM | 6 Likes Like |Link to Comment
  • 5 Myths About Dividend Growth Investing [View article]
    I would like to add one thing..

    I spent my life in corporate finance. This is an excellent piece.

    There is one HUGE advantage to the dividend growth model , and that is the financial FLEXIBILITY of having cash flow without liquidating an asset...being able to make low risk, meaningful adjustments by using cash flow is so much better than hoping next year is good year so you can buy some AAPL stock..

    By focusing on diverse dividend growth stocks, a year like 2008/2009 can be an OPPORTUNITY!..it certainly was for me because rather than liquidating, i spent some of my dividends on more growth and value oriented stocks..some of them have doubled in price..
    Mar 13 11:21 AM | 6 Likes Like |Link to Comment
  • China May Be A Tougher Market Than Apple Thinks [View article]
    Apple may do better in China than anticipated..
    "insert statistics"

    Apple may do worse in China than anticipated...
    "insert statistics"

    oh yes, and I forgot...competition is hard, and if a China mobil deal never happens that is bad..

    jeepers how much lower can you go to create content for this site?
    Oct 2 04:24 PM | 5 Likes Like |Link to Comment
  • Meet The Latest Threat To Apple: The Samsung Galaxy S4 [View article]
    well mr market has spoken...

    the initial reaction is + for apple...

    - for samsung...

    will be interesting to see if a little momo goes a long way for apple..

    rotation back in after missing huge bull run in general market??
    Mar 15 09:41 AM | 5 Likes Like |Link to Comment
  • QE - Infinity: A Game Changer For Mortgage REITs [View article]
    IT's a shame we have to do QE infinity, but it looks like its a neccessary evil..

    the question is will we get out of this mess (IF we get out) through growth or through inflating our currency...its hard to inflate when the world is in QE mode..the thing that makes the US different is the ubiquitious nature of our currency..

    i wish i could answer the question of inflation..its beyond me

    It's ironic that the liberally focused policy of getting everybody into a house has blown up totally and resulted in the opposite outcome..

    it's a true shame because the bad guys are our elected officials that enabled the banks to do their dirty work...i've spent time with bankers..they are greedy but not evil in my experience (except for angelo mazillo..)..they take the rules, and they go with it.. and with folks like Chris Dodd and Barney Frank in charge, they raped and pillaged until they couldn't anymore...note those two nasty characters have stepped aside
    Sep 22 09:52 AM | 5 Likes Like |Link to Comment
  • Google Master Plan Finally Comes To Light With Fiber Network [View article]
    This is a terrible analysis ..as a customer i get it, we all want more options and higher speeds...but as an investor you need to grow up and do some work...

    The statements
    "It's clear that consumers' new thirst for massive amounts of data will not be satisfied by traditional cable companies in the near future"

    and
    "The combined market capitalization of Direct TV (DTV), Time Warner and Comcast is ~$150 billion. Google Fiber is threatening to make all of those services (and many more) obsolete in the next 5-10 years. Cable TV/Internet is a relic of the past and Google is ushering it out the door faster than anyone thinks."

    are downright silly. 5-10 years??!!!!! FIOS started upgrading in 2004..they've only built out a portion of their area, and they only cover a portion of the US...do you know anything about real world buildouts?? this is not a website...this is not a search engine...this is digging trenches and connecting wires, one by one by one...

    The idea of disintermediation is very attractive to internet investors, but it doesn't happen when you would have to invest LITERALLY over $100 billion over LITERALLY 10's of years (dont beleive me?? do 10 seconds of research on Verizon's FIOS buildout) to get to a network that would rival even ONE of the big players...

    don't bother...they've spent well over $25 billion..they've frozen the buildout, and altho they claim profit, most analysts disagree... yes google would have add'l potential revenue, but their costs would be higher than Verizon's..Verizon spent that to UPGRADE and GOOG is starting from scratch.

    buildout the entire country?? cable's worst nightmare??this is laughable...

    What is google doing?? they are trying to show how its done..ultra high speeds are good for GOOG, and they are proving out ultra high speed on their dime... their KC project is not a positive for cable,..it will pressure them to push speeds higher and do it quickly.. and guess what, anything GOOG learns in their KC project will simply be copied...and GOOG is BETTER OFF if the cables and telcos build up higher speeds on THEIR dime...this isn't some kind of patentable idea... and it will be copied by companies that already have networks passing 100 million homes...


    Sep 3 10:22 AM | 5 Likes Like |Link to Comment
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