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gmmpa

gmmpa
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  • My First Dividend From Apple [View article]
    Investing in the stock market is not a bad thing. It is certainly better than a financial institution in this low interest rate. However, without capital growth to out pace the rate of inflation you will never achieve true financial independence and security in early retirement even considering compound interest in your strategy.

    I like to believe I am older and hopefully wiser. One thing I have learned over the years is that life is not so easily scripted as to believe your monthly expenses, your job, your family needs, your health, your family's health, your personal goals and desires are a constant in your life and will never change. Even the rules of the game can be rewritten by your employer or the policies of the government you live under.

    My advice to you and the younger people reading your article is to try to get a good education, not get married too early, stay out of major debt, don't spend money on fast cars and stupid worthless stuff and focus on investments for capital growth. The secret to a good retirement is to grow your net worth and capital assets. Being rich enough to move anywhere you like by the time you decide to retire. True financial security in life is not as easily achieved as you write. Try all you want to script life into a neat little box is not a winning strategy for success in life.

    My own cynical view of life is that 40% of those out there start out with no strategy for success and just depend on family inheritance. Another 40% start out with no strategy and depend on government or their companies for retirement and fail and the other 20% actually achieve it on their own and with a little bit of help from luck and God.
    Nov 18, 2014. 07:46 AM | 9 Likes Like |Link to Comment
  • CEMIG: 50% Increase In Net Income Q1 2014 Over 2013 [View article]
    It seems that like in Brazil as in the USA elections have consequences. The world is infected with a fatal disease worst than Ebola... Socialism! CIG is its latest victim and I have touched it. Where do I go for treatment?
    Nov 13, 2014. 09:35 PM | Likes Like |Link to Comment
  • Gold And Silver: Bottom Or Breakdown? [View article]
    This article reports the history of gold and silver movement accurately, but I am not sure I believe the reasons for its behavior. The comments also shed little light on the subject. All I know is that gold and silver should be close to a bottom if it is not there yet. For those of us that have long positions... we are all feeling the pain. The amount of pain is related directly to are basis. In my case it is an issue of lost opportunity cost of carrying PM assets in whatever form preferred. I plan to hold my positions here cause I have no confidence in the world governments to get their economies and monetary policies right anytime soon and I believe almost nothing being reported in the news to change my opinion.

    Added to that I see a middle east on fire and no good political solution offered by any of the socialist countries in the world. American economic political policies are still totally screwed up and showing little signs of change until at least 2017.
    That said I plan to do nothing and maintain my PM positions here to see what happens if for no other reason than as a hedge against my selective equity positions which is where I think the real future growth will be.
    Oct 10, 2014. 02:16 AM | Likes Like |Link to Comment
  • Prana Biotech reports fiscal 2014 results [View news story]
    Hope is not a good investment strategy. $2 / share is not much unless your investment is 100,000 shares. It is better to look toward the next meaningful catalyst for guidelines for decisions. Like selling themselves to a big phrama with more capital for R&D or acquiring the IP of a struggling micro biotech with something less complex than Alzheimers or Huntington's disease that is closer to market.

    This report of earnings is required to be listed as a public company but is meaningless in the overall scheme of things.

    Oct 1, 2014. 09:14 AM | Likes Like |Link to Comment
  • Google Should Buy MasterCard [View article]
    Meg Whitman made a brilliant decision to acquire PAYPAL for Ebay. However, it changed the business model for PAYPAL to a payment settlement company and limited its direction and growth as a fufull-fledged online banking equity where it was headed before its acquisition. It needs to be freed to grow on its own. Visa payment processing does not make loans and has added great shareholder value in its transaction processing business. PAYPAL has recently expanded into foreign exchange payment settlement of retailers in the UK.

    I think they should focus on transaction processing and stay away from consumer lending. Alibaba is a good company that does the same thing for China, but it is still strongly influenced by the Chinese government as a way to grow the Chinese small businesses. PAYPAL just needs to be freed to go it alone and peruse new ways to settle payments and foreign exchange for now.
    Sep 27, 2014. 12:11 PM | Likes Like |Link to Comment
  • A Silver Lining In The Coming Dark Cloud [View article]
    Wife and I went to the local diner for breakfast this morning. Waitress announced before taking our order they were accepting cash only because the computers were down. Some much for the cashless society. Don't throw away your $2 bills. Times may be changin' like the song goes, but cash has its appeal in many sectors of an economy and will never totally go away.
    Sep 26, 2014. 08:42 PM | 1 Like Like |Link to Comment
  • Vale SA: Interesting With P/B Of 1.11 [View article]
    Most investors that are looking for sustainable dividends don't look for them in industries tied to economic activity dependent on commodity prices. When earnings go down company management need to take steps to reduce expenses and change operation activities to keep investors engaged. What has Vale done in that regard? What have they done to become less dependent on China?

    I agree Vale trading at near book value is a contrarian pick with a good chance of a double from here with an upturn of economic activity. On the other hand bad management and bad government could take the stock lower. The latter is called geopolitical risk the former is called poor investing. It may be time to look harder at the management strategies before talk of a dividend cut. How is management handling the preferred stock? What is the strategy there?
    Sep 24, 2014. 08:46 AM | 1 Like Like |Link to Comment
  • Vale SA: Interesting With P/B Of 1.11 [View article]
    If Vale cuts their dividend your prediction of a farther market price reduction will come to pass. However, why would any investor stay in Vale when they are not paid to wait for a rebound is commodity and stock prices. I don't agree with your thoughts on putting money back into the company if that happens. Dividend yield is all the company has to offer investors to stay and bear the pain. There are better places to put money to work.
    Sep 23, 2014. 07:20 AM | 2 Likes Like |Link to Comment
  • CEMIG: 50% Increase In Net Income Q1 2014 Over 2013 [View article]
    Steven, belated thanks for posting this article and keeping us apprised of the CIG geopolitical story and associated risk analysis. I own CIG mostly for dividend income since much of my stock investment positions are geared toward capital growth and some dividend yield is prudent. I came here first to see what has happened to the CIG share price retesting its lows. It has been declining of late and I am curious why. My basis of CIG is low and the position is still positive without including the dividend yield. My position is large so I thought it prudent to check what is going on in Brazil of late. One thing is still a given... 150 million people still need a lot of electricity to keep the lights on and even though the government would like to make electric power free to the consumers it can't if it wants to keep attracting foreign investment to keep the economy growing.
    Sep 19, 2014. 04:05 AM | Likes Like |Link to Comment
  • Google Should Buy MasterCard [View article]
    @joeyleeka... News flash.... Google is in the transaction processing business just not the financial transaction processing business. I believe Google should outright buy Ebay or Ebay's PAYPAL if they could negotiate a separate partnership deal. There are other actions they could take within their corporate charter that could enable them to enter the business without major capex. Android smartphones must enter this space or the USA credit card processing banking systems will never catch up or lead the industry they created in the early 60s to automate consumer lending under the simple interest business model.

    Long Google and Apple. Would love to participate in a future PAYPAL ipo.
    Sep 17, 2014. 09:02 AM | Likes Like |Link to Comment
  • Question over iPhone 6 China availability sends China Mobile, Apple lower [View news story]
    What's the big deal on the $500 price? Verizon here is selling the iphone 6+ for a subsidizing price of $400 with a 2 year contact. Those in China that want cache can pay up one or two month income. Right?
    Sep 16, 2014. 09:35 AM | Likes Like |Link to Comment
  • Apple Will Collect Fees On Apple Payments, Back Of The Napkin: Could Add Billions To Bottom Line [View article]
    It is interesting to me reading these comments how little investors and Apple users know about where the fee income is in the credit card industry and how Apple pay will benefits or contribute to it in the whole scheme of things.

    Do not misunderstand this comment here. What Apple is trying to do here is primarily to "sell" phones and grow its shareholder value. I an long Apple and am happy for the move. However, the addition of a new fee income source is directly related to how Apple Pay will move the bar in reducing fraud to all parties in the process and improving customer convenience in the payment settlement process. How much Apple generates in fee income will be determined by the Banking system which is the source and owner of payment processing in the world.

    The players that bear the costs and receive the income are "Banks" that lend the money. The "Customers" the spend it even if they don't have any. The "Merchants" that sell stuff to customers the what want it and those that run the infrastructure that make it work (eg. Visa, Mastercard associations, and the major credit bureaus Equifax, Experian, and TransUnion). Even the government has a say on how this all works (ie. the government does have legislation, the Fair Credit Reporting Act).

    How much of these fees that will go to Apple Pay is directly related to what the banking system and the players named above are willing to pay for improvements to the their system in reduced cost and increased earnings to the bottom their lines. Google wallet may have failed to add significant value to the players named. Apple Pay will also fail if it is does not understand this.

    I personally think it is time for the banking system to improve its infrastructure and payment processing to keep pace with the growth of electronic payment systems and take it to a higher level. NFC is just one more standard that can help the cause. Smarter smartphones and the customers willingness do abandon credit card plastic for these costly devices will determine where it goes from here. It will NOT be the exclusive domain of Apple and they will contribute but not own or dictate the final outcome going forward.
    Sep 13, 2014. 08:40 AM | 1 Like Like |Link to Comment
  • Geron: Best Buy In The Market [View article]
    WOW! It is hard to keep up with this thread. This is too much information to process although I believe 90% of the comments add value to the Biotech basic science story and is fun to read and very informative. What brings us to this thread is the knowledge that we here know that we are due for a major break through in the next few years in many different areas of Biotech since completion of the mapping of the human genome in 2004. We are trying hard to keep up with its progress and are eager to find a place for a percentage of our speculation portfolio to take part in the game (ie. at least for some of us that have been here before). It is like the 80s all over again. It is not as easy as putting all your money on red or black, but information is power. It helps to improve the odds hopefully to 70/30 which helps those of us willing to do the work to move the personal wealth bar. There are no absolutes in life but for me it is more fun and profitable than playing the slot machines or buying lottery tickets which are for losers. Real estate can be fun but is not as satisfying.

    I believe that regenerative medicine is definitely the place that is a paradigm changer in science and technology in this decade. This is only the beginning and I want to play in this game. Why?... because I must. Just like the sperm seeking his sole purpose in life. I can think of only one thing that ranks up there with this game.
    Sep 13, 2014. 06:48 AM | 1 Like Like |Link to Comment
  • Google Should Buy MasterCard [View article]
    @DWBowers This is good news for PAYPAL. Currently I use PAYPAL for all online purchases from any vendor that accepts payment settlement through PAYPAL. Apple Pay is just another way to pay for purchases at point of sale in lieu of cash or plastic. I still stand with the opinion that Google should buy Ebay and upgrade the Android OS for near field communications support and use PAYPAL customers as an installed base to enter the point of sale payment business not just to eliminate plastic and cash but offer true end to end payment settlement . That way Google will have it all. Online and point of sale payment processing.

    If Tim Cook truly has vision maybe he should buy Ebay and spin off PAYPAL. Maybe he could interest Jeff Bezy in buying the Ebay remains to help offset the acquisition cost.
    Sep 11, 2014. 05:04 PM | Likes Like |Link to Comment
  • Google Should Buy MasterCard [View article]
    Ivan... I disagree. Banks and Credit Cards Banks and all the major Credit Card serivices (eg. Visa, Mastercard, Amexpress, etc.) will pay fees to any member that can reduce fraud, reduce costs or make processing easier, and at the same time increase transaction volume of its membership.

    As a smartphone user I would not like to pay a direct transaction fee but would use the service if it directly made my life better and secured my personal financial information.
    Sep 10, 2014. 10:43 PM | Likes Like |Link to Comment
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