Getting Credit Where Credit Is Due
Understanding the credit process as a business can help you take control of your credit.
On Microsoft
Microsoft is a difficult situation for me to evaluate. I think the company still has a lot of growth ahead in some areas. But, that depends on where management wants to take it.
There are three core businesses that are already well developed: Windows, Office, and Servers.
The moat in the first two are wide. The Windows moat is huge.
The business model in operating systems is great. You keep upgrading every few years; the hardware needn’t progress for you to find thin…
Margin Trading Dangers Highlighted by Real Cases
This article explains how margin trading of shares by company directors, executives and related parties creates major hidden risks for the private investor. Means of identifying and avoiding the dangers are suggesed.
On Valley National Bancorp
Valley National Bancorp (VLY) is a conservative bank with a strong position in northern New Jersey and a presence in Manhattan. The bank, founded in 1927, has about $12 billion in assets.
Valley has consistently earned extraordinary returns on assets and equity. Over the last twenty years, Valley has averaged a 1.74% return on assets and a 21.12% return on equity.
Valley’s worst two-year performance occurred in 1990 and 1991. During that period, Valley’s return on equit…
Should You Pursue Lease Options To Purchase a Home
The real estate market is a place where people can get very creative. This brings us to the rent with option to buy programs you see on the market.
The Top 5 Reasons Why You Should NOT Invest Your Home Equity
Extracting home equity has become widely popular–and considerably risky for many people. Learn the top five reasons why you should never touch your home equity…and how you can overcome them to unleash your full financial potential.
An Analysis Of Journal Communications (JRN)
Journal Communications (JRN) is comprised of seven essentially separate businesses: The Milwaukee Sentinel, Community Newspapers, Television Stations, Radio Stations, Telecommunications, Printing Services, and Direct Marketing. The company’s five reportable segments do not exactly match these seven businesses; however, I believe an investor should analyze JRN on the basis of these seven businesses and their constituent properties, rather than as a single going concern with fi…