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  • Market Timing Is Not Appropriate For Retired Investors [View article]

    I bow to your wisdom, advice and fundamental analysis, but shouldn't,

    "Market Timing Is Not Appropriate For Retired Investors" better read,

    Market Timing Is Not Appropriate For Most (or Many) Retired Investors?

    I often find investors, and non investors as well, attempting to use trite phrases in place of actual critical thinking. Certainly you go to great pain and detail on your position but I do cringe at the thought of those who invest without truly understanding your sage experience or insight and the numerous caveats.

    That said, I do enjoy your insight on fundamental analysis, a step many investors ignore. While gut feel is sometimes accurate, many confuse its correlation to actual market analysis.
    Jul 24, 2015. 09:59 AM | Likes Like |Link to Comment
  • Market Timing Is Not Appropriate For Retired Investors [View article]

    "I began buying dividend stocks right after the recession (albeit without your brand of thorough research) and it's worked pretty well"

    Isn't this a form of market timing? If you had just purchased an index after the recession, wouldn't you have done equally as well? Before the recession, plenty of investors held Citi, Wachovia and other banks. If you had diversified into financial services prior to the recession, how would the portfolio look at this point?

    I don't question your wisdom or success. But I do believe your discrediting the effect of market timing entirely is near-sighted. How many believed that purchasing a home was a guarantee of continued future appreciation?

    Any system is a good system - until it isn't
    Jul 24, 2015. 09:39 AM | 2 Likes Like |Link to Comment
  • Apple: The Stark Contrast Between iPad And Surface Sales [View article]
    Having used MS-DOS and then Windows since its inception, I am unlikely to throw out my iPhone, iPad and MacBook. Hold a gun to my head and I'll take the bullet before Windows.
    Jul 23, 2015. 03:12 PM | 3 Likes Like |Link to Comment
  • Apple: The Stark Contrast Between iPad And Surface Sales [View article]
    "$100 million in revenue"

    Less than impressive, no?
    Jul 23, 2015. 03:05 PM | 1 Like Like |Link to Comment
  • Apple: The Stark Contrast Between iPad And Surface Sales [View article]
    "Waiting for Surface to get through the usual Microsoft bugs"

    This is sarcasm, right? I picture a corpse hanging onto the mouse while the morning updates arrive and the inevitable required restart prompt appears.

    As a user of Windows since the first IBM PC was released, who converted to a MacBook in Nov '13, I wait no longer. I am on the Beta version of OS X since December of '14 and even that is so incredibly stable it makes Windows appear third world. Good luck on the wait, install, wait, restart, etc.
    Jul 23, 2015. 03:02 PM | 3 Likes Like |Link to Comment
  • Apple Earnings: Not A Blow-Out, But Good Enough [View article]

    Your accuracy apparently exceeds the reading comprehension of many readers. Nice catch!
    Jul 22, 2015. 11:32 AM | 1 Like Like |Link to Comment
  • The Drop In How Many U.S. Stocks Equaled 1 Greek Economy? [View article]
    "Like it or not, the Obamacare has helped hundreds and thousands of people not to loose everything they had when the were very ill."

    My wife, who has held a career as a nurse, was recently asked to assist a senior who was sent home from the hospital, minus a Dr. or diagnosis for severe confusion and serious lethargy. His insurance, Freedom Ins., is actively advertised on TV as free and a result of Obamacare. Upon investigation, Freedom insurance did receive several hundred million in ACA funding. When doing a search within 50 miles, we discovered only two Dr. that accept Freedom Ins., a urologist and podiatrist, not a single GP out of the 100 or so Dr. available, as well as host of consumer complaints.

    Before doing a victory lap classing Obamacare as a panacea, it might be wise to do a little more research. There are more than a few problems with the ACA as currently implemented.
    Jul 1, 2015. 08:57 AM | 5 Likes Like |Link to Comment
  • The Drop In How Many U.S. Stocks Equaled 1 Greek Economy? [View article]
    But it is more than austerity at fault. The privileged, monied class fails to pay taxes and is not pursued, perhaps because of incompetence or bureaucratic corruption. The government is awash in confusing departmental conflicts of overlap as well.

    Socialism requires a committed and concerned populace that chooses social interest over self-interest. Doesn't sound like they have either the interest, commitment or management to make it work. Debt temporarily can mask malfeasance but it is no cure for what ails them.
    Jul 1, 2015. 08:41 AM | 1 Like Like |Link to Comment
  • Have Apple And Beats Created The Future Of The Music Business? [View article]
    Agreed but we both got it wrong with GTAT. You do your research, you take your chances. Such is the investing life.
    Jun 29, 2015. 12:25 PM | 1 Like Like |Link to Comment
  • Here's Why I'm Buying Microsoft And Selling Apple [View article]
    Billybob says, "Personally, I would go way out my way to not buy an Apple product despite the quality and apparent ease of use."


    lacks logic.
    Jun 21, 2015. 03:23 PM | 14 Likes Like |Link to Comment
  • Apple reportedly wants to offer local TV; Slice estimates U.S. Watch sales [View news story]

    Profit AND great cash flow with excellent products that work together extremely well and have world class support.

    If I were to short a stock, it certainly wouldn't be a company with those attributes.
    May 25, 2015. 07:44 PM | Likes Like |Link to Comment
  • How Much Should DIYers DIY? [View article]
    Being an avid DIY'er in many activities, I also chose to DIY our family's portfolios. As you can imagine, there have been up's and down's as well as a smattering of learning experiences. The education often is as much about the market as it is about my own behaviors handling risks and rewards. Fundamentals are important but knowledge about personal behaviors and biases may be even more so.

    One key insight that has served me well is probability. Often investors wield trite phrases such as, "You have to invest for the long term." While often true and loaded with benefits, this behavior is not favorable 100% of the time. Some percentage of the time you're going to lock in the long term loss. During the Internet Bubble of the '90's, coworkers were using this logic to ride gains on companies whose only fundamental was marketing prowess, only to watch the large gains, and then their initial capital, vanish. Real estate bubble? Clearly, everyone knew that no one ever lost money on their home!

    Life is filled with probability. Some choose to ignore. Some choose to overplay for the unlikeliest of possible outcomes. Know the macro market. Know the company and their fundamentals. Know your self. Blend the probabilities of your expected outcomes. Keep adjusting as needed. Above all, test the trite phrase for probability and avoid allowing it to be a substitute for either hard work or intelligence.

    If you perceive your incapable of the time or analytical interest or abilities, turn your portfolio over to someone who can but test them for their own abilities on these issues and their personal commitment to your success.

    Now, off to the lawyer to review trust and EOL issues. Then, a stop by Home Depot. Happy DIY. Or not.
    May 19, 2015. 10:05 AM | 3 Likes Like |Link to Comment
  • Apple: Sharp's Problems Present An Opportunity, Not A Threat [View article]

    I left a couple of comments on Dana's article's comment thread that were critical. Both were deleted. Having contributors on SA behind the paywall such as Dana and Michael Blair make me very skeptical of its value. If they are not exclusively behind a paywall, leave themselves open to criticism and then attempt to delete the critical comments rather than discuss, why would I want to make a significant investment in an SA edited content? And even if I did, why would I choose to renew?

    The editors at SA need to really review who's gold and compensate them properly. Otherwise the value may continue to lie in the knowledge in the comment threads and I doubt if many will pay to read their own threads for the ego surge.

    Good investing!
    May 16, 2015. 01:23 PM | 6 Likes Like |Link to Comment
  • Apple: Sharp's Problems Present An Opportunity, Not A Threat [View article]

    What the clueless don't realize is that Apple does not make a phone, it makes a mobile computing device. I fairness to the clueless, even people in the industry, even notable titans such as Steve Ballmer, lacked the vision of where computing was headed.

    So Apples future hinges on their mobile computing devices. Perfect since that is where the future lies. The past is a desktop or laptop filled with bloatware, viruses, inconsistent interfaces, wobbly hardware and software that takes a guru to integrate, clean up and purpose.
    May 15, 2015. 07:07 PM | 9 Likes Like |Link to Comment
  • Apple: Sharp's Problems Present An Opportunity, Not A Threat [View article]
    Thanks Mark for the research. Dana's article was filled with innuendo and conspiracy theory but little fact. Checked his bio and it appears he also writes fiction. Maybe he got his Word files mislabeled.

    I really appreciate your sticking to objective facts and initiating an article when you see another author ignoring them. Thanks for the info.
    May 15, 2015. 06:50 PM | 7 Likes Like |Link to Comment