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I'm Howard

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  • Charlie Munger Thinks Oil Is Absolutely Certain To Become Incredibly Short In Supply [View article]
    Thank You Mr Obama for stopping Keystone,now we Canadians can keep it for our own use and our own energy security.
    Aug 13 01:03 PM | 12 Likes Like |Link to Comment
  • Time To Avoid U.S. Equities [View article]
    All the charts show the start of a classic head and shoulders.
    I have hedged all my U.S holdings with covered calls.
    1,Are interest rates going up or down?
    2.Is the population getting older or younger?
    3.Will Governments cut spending or continue to spend?
    4.Public Service Employees have very generous retirement Benefits that must be paid, are Property Taxes going up or down?
    5.Does the Federal Government have the gonads to introduce aggressive programs such as a Consumption Tax to start paying down the Debt?
    Reality, when Rates return to Historic Averages of 6 to 8% the U.S will default on its obligations,the rush will be to gold from paper.
    Germany 1936 all over again.
    Jan 1 01:08 PM | 4 Likes Like |Link to Comment
  • The Retiree's Guide To Portfolio Management [View article]
    Not true, anyone with a $100 k and over $4,000 a month in Pensions, and No Debt can live just fine.
    A Mortgage free House can represent a lot of potential equity.
    Asset Allocation should look at the whole picture, High Net worth retirees can live off Bond Income.
    We don't live forever.
    Jul 15 02:58 PM | 4 Likes Like |Link to Comment
  • Top 10 Pick: Buy Berkshire Hathaway [View article]
    BRK.B is all about Buffet, an old man getting older with a history of Cancer.
    He will die one day, the Buffet influence gone, this stock could lose a lot of value real quick.
    I'll stick to MDY, safe boring ETF that has out performed Buffet over the long term, and pays a Dividend.
    Dec 22 10:58 AM | 3 Likes Like |Link to Comment
  • Crimean And South China Sea Crises Causing Spike In These 5 Metals [View article]
    Canada has huge oil reserves and based upon U.S history we wonder what excuse America will use to try to access these reserves?
    Canada has 2% of the world's population and 20% of its' fresh water ,the next commodity to come under pressure.
    Russia will not shut off the gas,it needs the money, and Crimea is much like Quebec, a small region with a population that do not feel they belong to a larger country but want to control their own destiny.
    Mar 7 07:18 AM | 2 Likes Like |Link to Comment
  • The Coming Oil Supply Gap [View article]
    the question is, how much of the supply will be available, don't forget, the bulk of the supply lies in regions that hate Americans, that would cut off supply to hurt the U.S, Iran, Iraq, Saudi Arabia, the list goes on, unreliable sources of supply, which comes back to Canada.
    Huge Oil reserves, 20% of the world's fresh water, if the globe is warming, Kansas becomes a dust bowl, Canada gets more arable land.
    Best Banking system in the world,No Obama Care but Universal Health Care,Gun Control, buy the loonie,
    U.S Debt is the real crisis, not Europe.
    Jul 1 03:03 PM | 2 Likes Like |Link to Comment
  • Charlie Munger Thinks Oil Is Absolutely Certain To Become Incredibly Short In Supply [View article]
    Buffet just made a major investment in Suncor, a bet on the Canadian oil Sands.
    Aug 16 01:06 PM | 1 Like Like |Link to Comment
  • Time To Avoid U.S. Equities [View article]
    I live in another country,the U.S is a nice place to visit.
    Nations that are truly great do not have to keep bragging in order to reassure them selves.
    Jan 1 01:10 PM | 1 Like Like |Link to Comment
  • The Fiscal Cliff And Its Effect On Your Portfolio [View article]
    SAT.the Save America Tax,Consumption Tax added to Sales Tax, this must happen, it is a way to generate income to pay down Government Debt.
    Printing Money is fuel for hyper inflation, Germany 1036.
    Nov 15 10:29 AM | 1 Like Like |Link to Comment
  • Canadian Housing: It Actually Is Different This Time [View article]
    Many ,if not most, home buyers in TO are stretched to the limit, they are 2% points or one job loss away from losing their ability to pay their mortgage debt.
    We sold, put a lot of cash in the bank, totally debt free,as a Graduate Economist the future is easy to see.
    Immigrants coming in are in many cases dependant upon our Social Safety Nets, they are going into Government Housing.
    An ageing population will mean a lot of houses on the market, a small group of young buyers who cannot afford to pay these outrageous prices will force prices down.
    The rush to the exit will start,people will take whatever they can get,the Buyers will be in the drivers seat, but higher rates will keep this pool very small.
    Big cities are getting more dangerous, smaller towns with Health Care and 55 plus communities will benefit.
    Nov 6 04:49 PM | 1 Like Like |Link to Comment
  • This Nation Has The Highest Individual Net Worth And Its Stock Market Offers 5.2% Current Yield [View article]
    Australia is growing directly as a result of Asia's demand for commodities and the housing bubble in OZ is rampant, the high home costs in Canada are basically confined to two cities.
    I have visited Australia, it is far from any major country, Canada can ship goods by land down to the tip of South America,Australia it all goes by sea or air.
    The currency is high due to their high rates but not too long ago it was $0.49 not $1.02, you could lose half of your investment if the Aussie Dollar tanks, again.
    Oct 24 03:31 PM | 1 Like Like |Link to Comment
  • The Johnny Appleseed Approach To Investing [View article]
    BUY ETF's and do a Rip Van Winkle, wake up wealthy.
    Lady i know just recently passed away age94, a few stocks bought when she was a young bride and reinvested Dividends was worth $600k.
    Oct 24 01:06 PM | 1 Like Like |Link to Comment
  • Backtesting A Portfolio Of Low Beta, High Quality Dividend Payers [View article]
    Option Premiums on quality stocks are so low that,in most cases, they are not worth having
    I hold a lot of PFE,JNJ,ABT,VZ,MMM and to write a covered call, the theta I have to accept is 2014 if I want a decent premium,
    Oct 21 11:53 AM | 1 Like Like |Link to Comment
  • Investors Beware: REIT Yields, Though Sexy, Aren't Telling The Whole Story [View article]
    I think he is saying Buyer Beware,Caveat Emptor, for those who took Latin?
    Oct 7 12:48 PM | 1 Like Like |Link to Comment
  • Mondelez: Kraft Food's Spinoff Is A Must-Buy Growth Story [View article]
    Nestle's is a better alternative if you want exposure to this area?
    Oct 6 04:28 PM | 1 Like Like |Link to Comment