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I'm Howard

I'm Howard
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  • Why Do People Have Such Different Ideas About Retirement? [View article]
    It is not how much you make that makes you rich,it is how much you spend.
    I am totally amazed at the debt loads of many U.S Seniors,still carrying mortgages,no real pensions,they are struggling.
    Canadians can not deduct from their Income Taxes the interest on a mortgage,but they can deduct monies put into a 401K(R.R.S.P)
    The average Canadian ,at retirement age has a Mortgage Free home, a good amount in their Private Pension Plan,many have company Pensions, and a couple gets a combines $31,000 in Government Pensions.
    My American Friends,of who I have many,are conspicuous consumers,they love to shop,they live on credit and money in,money out.
    On the subject of Immigration,we are all immigrants,some of us here got here earlier and I remember from my days, Italians took the brunt of criticism for having multiple families in one house until each moved on and bought their own house.
    All Immigrants should be welcomed, as long as they are legal, obey our laws,work hard and contribute to society.
    Jul 4 02:21 PM | 1 Like Like |Link to Comment
  • The Outlook For Yields [View article]
    Rate increases are on the way,the alarm bells are already ringing,they will not shoot up dramatically but will edge up over time to historical averages.
    The U.S, at last count was $16 Trillion in debt,serviced with 2% interest rates,at 8% who thinks they have a snow balls chance in hell of fulfilling their debt obligations,will maintain their high credit rating,will be able to maintain current social programs like Social Security and Medicare???
    I am glad to be on the outside looking in,it will not be pretty.
    Jul 3 12:04 PM | Likes Like |Link to Comment
  • Walgreen: A Good Candidate For Long-Term Investment [View article]
    The U.S is fixed on instant cure and lots of tests,all of which mean money for the Health Care Industry,plus an aging population.
    My money would go on big Pharma, big fish eating little fish,who will Pfizer buy next?
    Jul 2 04:34 PM | Likes Like |Link to Comment
  • Isis - Addressing Some Of The Bull Arguments To My Short Thesis [View article]
    I thought this was about the Iraqui situation with the ISIS Rebels??
    Jul 1 12:35 PM | 6 Likes Like |Link to Comment
  • Suncor Energy: Buy The Stock For 10% Dividend Growth And Fair Valuation [View article]
    XIU,own them all.
    Jun 30 04:29 PM | Likes Like |Link to Comment
  • Suncor Energy: Buy The Stock For 10% Dividend Growth And Fair Valuation [View article]
    SU is well managed and even if the U.S misses the Keystone opportunity the oil will flow by truck and train and overseas to China and to Europe.
    The wells in the Gulf and the North Sea are old and running out,Hibernia and the Oil Sands will fill Europe's future needs.
    COS is also a good opportunity.
    Jun 29 07:05 AM | 3 Likes Like |Link to Comment
  • This Portfolio Has 50% Upside And Will Outperform The Markets Again In 2014-2015 [View article]
    The Chinese Market is totally manipulated and any one who buys shares are subject to the whims of the Government.
    A house of cards, a future potential Banking crisis,huge environmental problems,why do you think the rich are buying North American R.E, they are buying an Exit Strategy.
    Jun 28 07:43 AM | 2 Likes Like |Link to Comment
  • This Portfolio Has 50% Upside And Will Outperform The Markets Again In 2014-2015 [View article]

    Watch this market,Tobacco companies are.
    Some will go Public,huge growth potential.
    Jun 27 12:06 PM | Likes Like |Link to Comment
  • CONMED: Aggressive Accounting And Increased Debt Mask Its Problems [View article]
    This company should have been split years ago,the Linvatec Division has good growth and Great Margins,the other side is mainly high volume,low margin business and drains cash from the sports medicine business.
    The sale of Covidien to Medtronic directly impacts Conmeds E.S.U and Electrode business ,anyone buying them will probably keep Linvatec and try to dump the other products,not sure to who??
    Jun 25 09:29 AM | Likes Like |Link to Comment
  • Inflation Is Rearing Its Ugly Head [View article]
    It is called an Economic Cycle for a reason, and when you are in the gutter there is only one way to go.
    When Interest Rates are at this level, there is only one way to go.
    Inflation has never been gone, just look at your Grocery Bills, how much it costs you to fill up your car,what you pay now for Property Taxes etc etc etc.
    Rates have been artificially manipulated because the U.S is BROKE,the Debt is astronomic,more and more Tax Dollars are needed just to service the interest payments,and the Unfunded Liabilities just take your breath away.
    Jun 23 03:42 PM | 10 Likes Like |Link to Comment
  • Retirement Strategy: Chasing Yield Is Actually Looking For Disaster [View article]
    I would hazard a guess that most here are 100% invested in U.S $'s,how risky is that??
    I own some high yields,I own TBE on the TSX which pays a great dividend in a foreign currency,but for the most part keep any asset at less than 10% of total portfolio.
    Rates will not go screaming up,there will be lots of time to exit if there is an indication of a return to 10% rate days.
    Jun 19 04:02 PM | Likes Like |Link to Comment
  • Pfizer's (PFE) Management Presents at Goldman Sachs Healthcare Conference (Transcript) [View article]
    I agree,I saw too may managing their careers rather than their job,the company has got far too large and rather than create new products will buy,cut costs and grow by acquisition.
    I consider this like a long term Bond,I own it for the Dividend not the growth potential.
    Jun 19 10:13 AM | Likes Like |Link to Comment
  • How Does REM Pay That 15% Dividend? [View article]
    Take some cards off he table,no one ever lost money taking a profit,wait,see where the other cards fall, the most you would lose is some small upside.
    Jun 17 02:07 PM | Likes Like |Link to Comment
  • Pfizer's (PFE) Management Presents at Goldman Sachs Healthcare Conference (Transcript) [View article]
    Pfizer's strength is the cash flow and having worked for this company at one point I was rarely impressed by upper management,promotions seemed to be based on who threatened the person above the least?
    Decision making was glacial, what should have taken minutes to decide took months of unnecessary meetings,creativity and non traditional thinking was not acceptable, manage your career and not your job.
    I still hold a large amount although I am steering towards and ETF,consolidations will take place to compensate for thin pipelines,I think that is a safer way to play this?
    Jun 12 06:38 AM | Likes Like |Link to Comment
  • Junk bonds make another run at sub-5% [View news story]
    The Fed can not afford to raise rates, the U.S would be driven to Default,all Government Benefits that are indexed would be increased resulting in exponential debt Growth,so the presses will keep printing and the game of Musical Chairs will keep happening until the music stops.
    The time bomb is all the unfunded Government Obligations like medicare and Federal Pensions?
    No Debt, if you have No Debt you can weather any storm.
    Jun 10 01:22 PM | 4 Likes Like |Link to Comment