Economy and robust 1st quarter 2017 for stock market

| April 1, 2017

The “Trump Rally” as many have dubbed it, provided investors with solid quarterly gains as a brighter economic outlook offset the lackluster Washington DC agenda which has become bogged down in politics.  Investors still believe job growth, better corporate financial returns and tax cuts will over shadow the Fed “applying the brakes” in the form of higher […]

Apple is sitting pretty again after reporting earnings

| February 1, 2017

After the stock market closed yesterday, Apple $AAPL reported their fiscal first quarter earning and shocked even the most bullish in the crowd. Their iPhone 7 sales help them deliver record earning, no doubt due to Samsung’s battery issues (Android users switching to Apple iOS). Considering Apple make a lot more than phones, it is […]

Twitter investors and stock traders see different things $TWTR

| August 11, 2016

Get hammered, bounce back. After promising news of more live event streaming, and peppering in a few buyout rumors, $TWTR could really be off to the races (again). It’s a chart only a "trader" can love … since investors question Twitter’s business model and management. A chart for the summer of 2016 tells the tale. […]

Buy Apple (AAPL) and hold it for the long haul

| April 29, 2016

It has been a rough couple of days for Apple ($AAPL) shareholders as growth this past quarter was elusive. Most blame the global economy, and in particular China, for the weak quarterly numbers. It does remind me of late 2012 and 2013 when analysts questioned whether management had lost their way. The same is happening […]

Life skills for the long haul: 8 Financial Decisions

| February 5, 2016

Some simple financial steps, 8 to be exact, to follow from Money were shared this month and they are worth reading and remembering. I’ll post below in case they disappear … but you should read it here. 1. Save More for Retirement How much money will you need each year to enjoy a happy and […]

Borrowing money at low rates when emergencies arise

| September 9, 2015

I’m a Dave Ramsey advocate for the most part and prefer not to borrow money for anything other than a home. Unfortunately that’s challenging for most people as well as yours truly a few items in the past. Brenda and I borrowed when starting and expanding our small business, for the occasional new car (a […]

Get What’s Yours: The secrets to maxing out your Social Security

| March 12, 2015

In discussing FICA taxes the other day, I discovered just how much I didn’t know about one of the biggest taxes we pay throughout our entire working lives. I’m guessing most Americans are in my shoes? Now “let me be clear,” as President Obama has been known to say, I’m NOT “that” close to retirement […]

The average Jane and John has a few more dollars to spend

| December 29, 2014

As the year draws to a close, we can be thankful for economic boost coming from cheaper gasoline.  The chart above show just how rapid the decline in the price of Crude Oil changed. It illustrates the unbelievable shift in the cost of energy for all of us. It is partially due to demand, but […]

Chinese economy #1–thanks for the leadership President Obama

| December 5, 2014

It’s not entirely fair to blame President Obama for American decline and China’s rise in economic prominence, but his lack of inspiring American Exceptionalism and worldwide apology tour hasn’t helped. Words and attitude aside, his policies slowing our economic recovery are most to blame as we watch industry evaluate the best place to invest capital; […]

In keeping with graphs and charts: Gold’s Vomiting Camel

| November 3, 2014

Here’s a new chart for those who enjoy the occasion Chartist trader humor … Gold’s Two Hump Vomiting Camel Pattern chart from CNBC’s Fast Money.

World economic conditions impact the financial and oil markets

| October 15, 2014

It’s October … why would anybody be surprised by the market heading violently in the down direction? I posted earlier this afternoon while watching the market selloff across the board and figured the end of the day deserved an update.  At one point the Dow was down 460 points with most stocks moving sharply to […]

Continuing Bull Market, Deflation fear or is Inflation coming?

| September 14, 2014

There was a spirited debate this past week concerning the Federal Reserves’ exit strategies and what will happen when the Fed balance sheet is deleveraged. The equity bulls continue to believe the U.S. will see economic grow as interest rates remain low and continued tame inflation numbers (some like Wilbur Ross are more concerned about […]

Viewers opine on $FB vs $TWTR as an investment

| July 29, 2014

My morning routine includes turning on CNBC for my business news, trading and investing “fix” and the segment on the Facebook vs. Twitter social networking challenge peaked my interest. As expected, the focus was primarily which stock would make an investor the most money. Obviously Facebook has a significant lead both in platform maturity and […]

Be sure to accurately factor inflation when retirement planning

| July 28, 2014

I regularly eyeball the government’s reported CPI inflation data (although question the applicability for real living in America?), and am concerned for those planning or already retired living on their “conservatively” invested savings. Many that I’ve talked with moved to cash positions after the 2008 recession or moved to much more conservative investments. Others hold […]

Looking for a few investment ideas–CVS but not SiriusXM

| June 12, 2014

It is getting easier and easier to stream a variety of content while driving from my iPhone using BT to my car radio nowadays … even in my older Mercedes 300D (to a newer radio). At one time SiriusXM was the way to get uninterrupted news and content while driving longer distances with limited Slingbox […]

Wall Street traders and investors are deciding it is time to sell

| January 24, 2014

Investors and Wall Street traders are growing nervous that 2013 gains were too much, too fast as selling dominated the last two trading days. The Dow Jones Industrial Average is having its worst day since April 15th of last year and looks like it will close at the low of the day. (DJIA at 15,935 […]

Before selling equities, consider buying put options

| October 26, 2013

After writing the Liquidity addict post for Friday and speculating that our “irrational exuberance” for stocks has bold investors buying with reckless abandon (CNBC on Friday said margin buying is near all time highs). Concerned? Hmm, yup.  I also received a couple of emails from readers who said they were happy, but also worried about […]

Bernanke-care is creating liquidity addicts

| October 25, 2013

As a student of economics, a business manager and as a hesitant investor, I’m concern about what is going to happen when the Federal Reserve finally pulls the stimulus intravenous therapy? It is likely that Fed Chairman Bernanke is worried about weaning the stimulus too, by the fact he hasn’t started to taper. It is […]

CEO Steve Ballmer intends to retire from Microsoft

| August 23, 2013

  A big announcement day for lovers and haters of the software behemoth Microsoft (MSFT) as CEO Steve Ballmer announced that he intends to step down in the next 12 months. His timeframe will help in making a smooth transition as the board selects a new chief. Ballmer’s management has been flat-footed by all accounts […]

The Apple HDTV or the Apple iWatch–which is better?

| April 9, 2013

With Apple struggling to keep its stock price from dipping any lower (although it really doesn’t look like they care), analysts and tech watchers speculate that there will be an Apple HDTV offering and a less expensive (cheaper) iPhone, but who knows what the new product(s) will be? I’m in the camp that sees the […]

Will politicians Rise Above or send us over the financial cliff?

| November 17, 2012

There is a Rise Above movement afoot and it is being promoted by business news network CNBC. Supporters and business leaders from both political parties agree that politicians must work together to focus on the financial health of our country and rise above partisan politics. We have yet to see progress and the stock market […]

Post election stock market sell-off is painful for investors

| November 7, 2012

I’ve unfortunately been watching the financial markets react negatively to the re-election of “less than business friendly” President Obama this morning and I am struggling to decipher what the future holds for investors and those saving for college or retirement. In the middle of a 300+point DOW drop is probably not the time to form […]

Markets up after Fed action while mideast continues in turmoil

| September 14, 2012

While the financial markets here in the U.S. climb due to Fed Chairman Ben Bernanke initiating QE3 and adding more dollars to the economy, the Muslim fanatics in other parts of the world protest, breach U.S. embassies and kill Americans. The current response from the Obama Administration has been cautious and seemingly sends mixed messages […]

I say Ponzi Scheme, WSJ blog says “high-yield hara-kiri”

| July 15, 2012

A Ponzi scheme is a fraudulent investment operation that pays returns to its investors from their own money or the money paid by subsequent investors, rather than from profit earned by the individual or organization running the operation. The Ponzi scheme usually entices new investors by offering higher returns than other investments, in the form […]

Family Net Worth Fell Almost 40% Between 2007-2010

| June 11, 2012

How challenging has it really been for families these past few years? Well if you’re in college or just starting out and able to pay the bills, finding work or able to keep borrowing for school … then you might not notice much (can you tell I’m talking with my college age son while he […]

Facebook IPO day two, just “move along”

| May 21, 2012

So much for day two of the Facebook IPO … no need to look here for some stock market excitement. As the Star Wars line goes, “These aren’t the droids you’re looking for … move along.”  Perhaps there was just too much hype? Thankfully I didn’t jump when offered a few shares at $38 … […]

The highly anticipated Facebook IPO was priced right for day 1

| May 18, 2012

Facebook made it stock market debut today with a $5 move from the $38 IPO price to above $42/share and then kind of drifted back to close the day at $38.23. There was plenty of interest. Lots of hype and even a NASDAQ snag to prevent an on time opening this morning. For employees of […]

U.S. Markets are not as bad as they seem

| May 17, 2012

Just my opinion, but the “social” disease that infected Greece, Spain, Portugal and other European states should not be impacting markets in the U.S. in the way that they are. Sure we have our major issues when it comes to be fiscally responsible all the way around: corporate governance, banking and housing, personal spending and […]

Can average Americans get their heads around these numbers?

| April 19, 2012

The Dow moves above 13,000, but closes 0.1% down instead

| February 27, 2012

The Dow once again inches past the 13,000 market, but somehow can’t quite close above this psychological level.

Has natural gas hit a bottom. If so, how to invest?

| February 15, 2012

Besides trading in an out of the depressed Natural Gas market in the past month, I’ve been pondering how to “eventually” capitalize on what I see as a bottom in the commodity price for NG and a possible upside down the road. How far down the road, who knows?  

Getting a mention on CNBC can sometimes move up a stock

| February 13, 2012

Every once in a while those interviewed on widely watched financial television channels have an opportunity to mention individual stocks … not a big deal when the companies are larger. Unfortunately mentioning a couple lessor known companies can move the prices. Today CNBC’s Bill Griffeth on his Closing Bell segment interviewed an analyst from Oppenheimer […]

How current environment impacts the financial institutions

| January 21, 2012

I’m archiving the comments of guest Doug Dechille (First Principles Capital Management LLC) on CNBC’s Squawkbox this week. It gave me pause as our politicians and media debate the capital system which helped grow our country. Dechille brought light to the problems financial institutions have with government involvement and the heavy hand of the Federal […]

The one word is now three words: Unmanned Aerial Vehicle

| December 22, 2011

Once upon a time, the word “Plasitcs” was uttered by Mr. McGuire as “enough said” advice for The Graduate in 1967 … nowadays I think we need to start thinking three words or perhaps just the acronym … UAV? The Graduate – one word for you, plastics All I can say is find me the […]

Markets rise and lift “almost” all boats–Santa Claus rally?

| December 20, 2011

A very positive day for a broad swath of Wall Street and U.S. based companies. The stock market saw trading return the Dow Jones Industrial Average back over the psychologically challenging 12,000 mark. Those watching the ups and downs realize that one day up 300+ points doesn’t mean all that much … especially when considering […]

Markets jump after Fed banks agree to unlock liquidity

| November 30, 2011

The financial markets woke up to a jolt this morning as several central banks including the U.S. Federal Reserve unified to shore up the global financial system. The debt crisis in Europe has continued to put downward stress on world markets and economies; the cheaper U.S. denominated loans available to European banks is expected to […]

Investors tried to digest more than one kind turkey

| November 26, 2011

I not the only one with indigestion … and it isn’t from the Thanksgiving day eating or the leftovers (or even the Black Friday frenzy) … but the crushing financial markets that have haunted investors since Halloween.  The Dow Jones Industrial Average has turned in its “worst Thanksgiving week performance since markets began observing the […]

The wipeout of saving and our economy

| October 4, 2011

Wipeout Beach Boys The government grows, the private sector slows. As I listen to Fed Chairman Bernanke answer questions from our elected representatives this morning, the bulk of question seems to focus on the politics of class warfare. Once again the economies of the world sputter while bureaucrats argue over ways to manage our economy. […]

About the only thing “certain” is that tax rates are “uncertain”

| September 23, 2011

Much of the political debate coming from Washington DC is focused on cutting the deficit, reforming the tax code and generating more revenue for the federal government. Hopefully those who currently pay federal income taxes (only 52%) are going to be given the loudest voice, but that may not be the case now that we’re […]

Netflix splits streaming & DVD business–CEO says he messed up

| September 19, 2011

After talking with a few disgruntled NetFlix subscribers (and ex-subscribers) this morning, I can attest that I’m not the only one thinking “spin-off” after CEO Reed Hastings relays the news that their new DVD-by-mail service will be a dying “wholly owned subsidiary” being called Qwikster.

Desultory - des-uhl-tawr-ee, -tohr-ee

  1. lacking in consistency, constancy, or visible order, disconnected; fitful: desultory conversation.
  2. digressing from or unconnected with the main subject; random: a desultory remark.